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Employee Benefits Survey
EBS EBS Program Links

Insurance benefits: Access, participation, and take-up rates

Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 March 2017
(All workers = 100 percent)
Characteristics Life insurance Short-term disability Long-term disability
Access Participation Take-up
rate 		Access Participation Take-up
rate 		Access Participation Take-up
rate
All workers
59
58
98
39
38
97
34
33
97
Worker characteristics
                 
Management, professional, and related
78
76
99
46
46
99
53
52
98
    Management, business, and financial
85
84
99
61
60
98
62
60
97
    Professional and related
75
73
98
40
40
99
49
48
98
        Teachers
74
73
98
24
23
96
42
40
97
            Primary, secondary, and special education
             school teachers
82
81
98
21
20
96
41
40
97
        Registered nurses
76
75
98
43
43
99
53
52
98
Service
35
33
95
23
23
97
14
13
97
    Protective service
71
68
96
31
30
99
23
23
99
Sales and office
56
55
98
40
38
97
33
32
96
    Sales and related
42
40
96
33
31
93
20
19
94
    Office and administrative support
64
63
98
44
43
98
41
39
96
Natural resources, construction, and maintenance
57
55
97
36
35
98
26
25
96
    Construction, extraction, farming, fishing, and
     forestry
49
47
97
29
28
98
17
16
97
    Installation, maintenance, and repair
64
62
98
42
41
98
34
32
95
Production, transportation, and material moving
63
61
97
45
44
96
30
29
96
    Production
68
66
98
50
49
98
32
32
98
    Transportation and material moving
58
55
96
41
39
94
28
26
94
Full time
75
73
98
47
46
98
44
42
97
Part time
13
12
90
15
14
94
5
5
95
Union
86
83
97
49
47
96
38
37
97
Nonunion
55
53
98
37
36
98
33
32
97
Average wage within the following categories:3
                 
    Lowest 25 percent
25
24
93
19
18
94
8
8
94
        Lowest 10 percent
16
14
89
13
12
94
5
4
91
    Second 25 percent
61
60
97
40
39
97
32
30
96
    Third 25 percent
75
74
98
48
47
98
46
45
98
    Highest 25 percent
84
83
99
54
53
99
57
56
97
        Highest 10 percent
85
84
99
58
58
99
62
60
97
Establishment characteristics
                 
Goods-producing industries
70
68
98
51
51
98
37
36
98
Service-providing industries
57
56
98
37
36
97
34
32
97
    Education and health services
69
68
98
32
31
98
43
42
98
        Educational services
77
76
98
27
26
96
43
42
97
            Elementary and secondary schools
76
75
98
23
22
96
37
36
97
            Junior colleges, colleges, and universities
87
85
98
37
35
96
61
58
96
        Health care and social assistance
64
63
99
34
34
99
43
42
98
            Hospitals
88
87
99
51
50
99
64
62
98
    Public administration
84
81
97
30
30
99
35
34
99
1 to 99 workers
43
42
97
30
29
98
24
23
97
    1 to 49 workers
37
36
98
28
27
98
22
21
97
    50 to 99 workers
57
55
97
34
33
97
30
29
98
100 workers or more
76
74
98
48
47
97
44
43
97
    100 to 499 workers
68
66
97
44
43
97
36
36
97
    500 workers or more
86
84
98
52
51
98
54
52
96
Geographic areas
                 
Northeast
60
59
98
62
61
99
33
32
97
    New England
60
58
97
37
36
97
34
33
98
    Middle Atlantic
59
59
99
70
69
99
33
32
97
South
61
60
97
34
33
96
34
32
96
    South Atlantic
61
60
98
38
36
96
36
35
96
    East South Central
58
56
96
31
29
94
34
33
96
    West South Central
63
61
96
30
29
97
29
28
97
Midwest
61
60
98
39
38
97
38
37
98
    East North Central
61
59
97
42
41
97
39
38
98
    West North Central
62
61
98
32
31
97
36
35
98
West
53
52
98
27
26
99
31
30
97
    Mountain
56
55
98
30
30
98
36
34
97
    Pacific
51
50
98
25
25
99
29
28
97
1The take-up rate is an estimate of the percentage of workers with access to a plan who participate in the plan, rounded for presentation.
2Includes workers in private industry and state and local government. See Technical Note for further explanation.
3Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include workers with earnings both above and below the threshold.
The categories were formed using percentile estimates generated using wage data for March 2017.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.