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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 private industry 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
55
54
98
41
40
98
33
32
97
Worker characteristics
                 
Management, professional, and related
76
75
99
54
54
99
58
56
98
    Management, business, and financial
84
83
99
66
65
98
65
63
97
    Professional and related
71
70
99
48
48
100
54
53
98
Service
28
27
94
23
22
97
11
10
97
    Protective service
50
48
95
32
32
98
Sales and office
54
52
98
41
39
96
32
31
95
    Sales and related
42
40
96
33
31
93
20
18
93
    Office and administrative support
62
61
98
46
45
98
41
39
96
Natural resources, construction, and maintenance
54
52
97
36
35
98
25
24
96
    Construction, extraction, farming, fishing, and
     forestry
45
44
97
29
29
98
15
15
97
    Installation, maintenance, and repair
62
60
98
42
41
98
33
31
95
Production, transportation, and material moving
62
60
97
46
44
96
30
29
96
    Production
67
66
98
50
49
98
32
32
98
    Transportation and material moving
56
54
95
42
39
94
28
26
94
Full time
71
70
98
50
49
98
44
43
97
Part time
12
11
89
15
14
94
4
4
96
Union
84
80
96
69
65
95
39
38
97
Nonunion
53
51
98
38
37
98
33
32
97
Average wage within the following categories:2
                 
    Lowest 25 percent
22
20
92
17
16
94
6
6
93
        Lowest 10 percent
14
12
87
12
11
93
4
4
90
    Second 25 percent
57
55
97
41
39
97
29
28
96
    Third 25 percent
71
70
98
51
50
98
44
43
97
    Highest 25 percent
83
82
99
62
62
99
62
61
97
        Highest 10 percent
85
85
99
67
66
99
68
66
97
Establishment characteristics
                 
Goods-producing industries
70
68
98
52
51
98
37
36
98
    Construction
42
40
95
27
26
98
16
15
96
    Manufacturing
82
80
98
63
62
98
46
44
98
Service-providing industries
53
51
98
39
38
97
33
32
97
    Trade, transportation, and utilities
54
52
96
41
38
94
25
23
94
        Wholesale trade
70
70
99
52
51
98
45
44
97
        Retail trade
40
38
95
31
28
91
11
10
89
        Transportation and warehousing
73
69
96
56
53
94
38
36
94
        Utilities
95
95
100
44
44
100
84
83
99
    Information
88
87
99
81
80
100
74
73
99
    Financial activities
82
81
99
63
62
99
65
63
96
        Finance and insurance
90
90
99
71
70
99
76
74
96
            Credit intermediation and related activities
93
92
100
71
70
99
82
78
95
            Insurance carriers and related activities
86
86
99
68
67
100
71
70
98
        Real estate and rental and leasing
54
52
97
37
36
97
30
29
95
    Professional and business services
53
52
98
42
41
98
37
36
97
        Professional and technical services
67
66
98
57
57
100
53
53
99
        Administrative and waste services
31
30
96
22
21
98
14
13
92
    Education and health services
62
62
99
36
36
99
44
44
98
        Educational services
66
66
99
43
43
99
60
59
97
            Junior colleges, colleges, and universities
87
87
99
49
49
99
83
80
96
        Health care and social assistance
61
61
99
35
34
99
42
41
98
    Leisure and hospitality
21
19
92
19
19
98
5
5
94
        Accommodation and food services
19
17
91
18
18
97
3
3
91
    Other services
34
32
95
27
27
99
19
18
94
1 to 99 workers
40
39
97
30
29
98
23
22
97
    1 to 49 workers
36
35
98
28
27
98
21
20
97
    50 to 99 workers
54
52
97
37
36
97
29
29
98
100 workers or more
74
72
98
54
52
97
46
44
97
    100 to 499 workers
66
64
97
48
46
97
37
36
97
    500 workers or more
85
84
99
64
62
98
60
58
96
Geographic areas
                 
Northeast
56
55
98
66
65
99
36
35
97
    New England
57
56
98
42
41
97
37
36
98
    Middle Atlantic
56
55
99
74
73
99
36
34
97
South
58
56
97
36
35
96
34
32
96
    South Atlantic
57
56
98
38
37
96
34
33
96
    East South Central
55
53
96
35
33
94
35
33
95
    West South Central
60
57
96
33
32
97
31
30
96
Midwest
58
57
98
41
40
97
36
35
98
    East North Central
58
57
98
44
42
97
36
35
98
    West North Central
59
57
98
36
35
97
34
34
97
West
48
47
98
27
26
98
29
28
97
    Mountain
52
51
98
30
30
98
31
30
97
    Pacific
47
46
98
25
25
99
27
27
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.