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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 civilian workers,2 March 2018
(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
60
59
98
39
38
97
34
33
97
Worker characteristics
                 
Management, professional, and related
79
78
99
48
47
98
54
53
97
    Management, business, and financial
83
82
99
60
59
98
62
59
96
    Professional and related
77
76
99
43
42
98
51
50
97
        Teachers
76
74
98
25
24
96
42
40
97
            Primary, secondary, and special education
             school teachers
83
82
98
23
22
96
41
40
98
        Registered nurses
83
82
99
46
45
97
61
60
98
Service
36
35
96
23
23
98
14
14
97
    Protective service
67
65
97
28
28
98
21
21
99
Sales and office
57
55
98
40
39
96
33
31
96
    Sales and related
42
40
96
33
31
93
19
17
92
    Office and administrative support
65
64
99
44
43
98
41
40
98
Natural resources, construction, and maintenance
56
55
98
35
35
98
25
24
96
    Construction, extraction, farming, fishing, and
     forestry
48
47
98
29
28
99
16
15
97
    Installation, maintenance, and repair
64
62
98
42
40
97
34
33
96
Production, transportation, and material moving
64
62
97
46
44
96
30
29
96
    Production
66
65
98
50
49
98
33
32
97
    Transportation and material moving
62
60
96
43
40
93
27
25
95
Full time
75
73
98
47
46
98
44
42
97
Part time
14
13
90
16
15
93
5
5
95
Union
87
84
97
50
48
96
38
37
97
Nonunion
56
55
98
38
37
98
34
33
97
Average wage within the following categories:3
                 
    Lowest 25 percent
27
25
93
19
18
94
8
8
92
        Lowest 10 percent
17
15
89
12
11
93
4
4
89
    Second 25 percent
63
61
97
41
39
97
32
31
97
    Third 25 percent
75
74
99
49
48
98
45
44
97
    Highest 25 percent
84
83
99
54
54
99
58
56
97
        Highest 10 percent
85
84
99
59
58
98
61
59
96
Establishment characteristics
                 
Goods-producing industries
69
68
98
51
51
99
37
36
97
Service-providing industries
59
57
98
37
36
97
34
33
97
    Education and health services
70
69
99
33
32
98
44
43
98
        Educational services
78
77
98
28
27
96
44
42
97
            Elementary and secondary schools
78
76
98
24
23
96
38
37
97
            Junior colleges, colleges, and universities
87
85
97
37
36
96
60
57
96
        Health care and social assistance
66
65
99
36
35
98
44
43
98
            Hospitals
89
88
99
49
48
98
68
66
98
    Public administration
83
81
98
30
30
99
35
34
98
1 to 99 workers
43
42
98
30
29
98
24
24
97
    1 to 49 workers
37
36
98
28
28
98
22
21
97
    50 to 99 workers
59
57
97
35
34
98
31
30
97
100 workers or more
78
76
98
49
47
97
44
43
97
    100 to 499 workers
71
70
97
46
44
96
37
36
97
    500 workers or more
85
83
98
52
51
98
53
52
97
Geographic areas
                 
Northeast
60
59
98
63
62
99
32
31
97
    New England
64
62
97
41
40
97
36
35
98
    Middle Atlantic
58
57
99
70
69
99
31
30
96
South
61
60
97
33
32
96
33
32
96
    South Atlantic
61
60
98
35
34
96
36
34
96
    East South Central
60
58
96
31
30
96
35
33
95
    West South Central
62
60
97
30
29
97
29
28
96
Midwest
62
60
97
41
40
97
38
38
98
    East North Central
62
60
97
44
42
97
39
38
97
    West North Central
61
60
99
34
34
98
37
37
98
West
57
56
98
29
29
98
33
32
97
    Mountain
61
61
99
34
33
98
39
38
98
    Pacific
55
54
98
27
27
98
30
30
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 2018.

Note: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee Benefit Terms" at
www.bls.gov/ncs/ebs/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.