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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 State and local government workers, 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
81
79
98
26
25
96
38
37
97
Worker characteristics
                 
Management, professional, and related
83
81
98
25
24
95
40
39
97
    Professional and related
82
80
98
24
23
95
40
38
97
        Teachers
81
80
98
22
20
94
39
38
97
            Primary, secondary, and special education
             school teachers
86
85
98
20
19
95
38
37
97
Service
75
73
97
25
24
98
31
30
98
    Protective service
86
84
97
29
29
99
32
32
100
Sales and office
82
79
97
29
28
98
38
38
98
    Office and administrative support
82
80
97
28
28
98
38
38
98
Natural resources, construction, and maintenance
90
88
99
32
31
96
38
37
96
Production, transportation, and material moving
80
78
98
29
26
91
33
32
96
Full time
91
89
98
28
27
96
42
41
98
Part time
24
22
95
14
14
94
13
12
91
Union
88
87
98
26
26
98
38
37
98
Nonunion
75
73
97
25
24
95
38
37
97
Average wage within the following categories:2
                 
    Lowest 25 percent
65
63
97
20
19
93
29
28
97
        Lowest 10 percent
52
50
97
17
16
92
24
23
96
    Second 25 percent
87
85
98
30
29
97
40
39
98
    Third 25 percent
87
85
98
26
25
96
42
41
98
    Highest 25 percent
88
86
98
28
27
98
42
40
97
        Highest 10 percent
84
82
97
34
33
99
37
35
96
Establishment characteristics
                 
Service-providing industries
81
79
98
26
25
96
38
37
97
    Education and health services
82
80
97
24
22
94
40
38
96
        Educational services
81
79
98
23
21
94
38
37
97
            Elementary and secondary schools
79
77
98
21
19
94
34
33
97
            Junior colleges, colleges, and universities
86
84
97
30
28
93
48
46
96
        Health care and social assistance
88
84
96
30
29
97
52
49
95
            Hospitals
88
84
95
40
39
98
62
59
95
    Public administration
84
81
97
30
30
99
35
34
99
1 to 99 workers
74
73
98
22
21
95
34
34
98
    1 to 49 workers
70
69
98
25
24
96
32
32
99
    50 to 99 workers
79
77
98
18
17
95
36
35
97
100 workers or more
83
81
97
27
26
96
39
38
97
    100 to 499 workers
77
75
97
22
21
97
35
34
98
    500 workers or more
86
84
97
30
29
96
41
39
97
State government
90
87
97
29
28
95
38
37
98
Local government
78
77
98
25
24
96
38
36
97
Geographic areas
                 
Northeast
82
80
98
34
34
99
16
16
99
    New England
82
75
92
11
11
100
17
17
99
    Middle Atlantic
82
82
99
42
41
99
15
15
99
South
82
80
97
23
22
94
34
33
96
    South Atlantic
85
82
97
34
31
93
46
44
96
    East South Central
74
71
96
32
31
97
    West South Central
82
80
97
13
12
97
17
17
99
Midwest
81
79
98
22
21
92
56
55
98
    East North Central
80
78
97
31
29
91
63
61
97
    West North Central
81
80
99
6
6
96
44
44
99
West
79
78
98
27
27
100
44
43
97
    Mountain
82
82
100
29
29
99
62
60
96
    Pacific
78
77
98
26
26
100
36
35
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.
2Surveyed 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: Dash indicates no workers in this category or data did not meet publication criteria. 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.