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Employee Benefits Survey
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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 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
81
80
98
26
25
96
38
37
98
Worker characteristics
                 
Management, professional, and related
83
81
98
25
24
95
41
40
97
    Professional and related
82
80
98
25
24
95
40
39
97
        Teachers
82
80
98
22
21
95
40
39
97
            Primary, secondary, and special education
             school teachers
87
86
98
21
20
95
39
39
98
Service
75
74
97
25
25
98
31
31
98
    Protective service
86
84
98
29
29
99
32
32
100
Sales and office
82
80
97
29
28
98
38
38
98
    Office and administrative support
82
80
97
29
28
98
38
37
98
Natural resources, construction, and maintenance
89
88
99
33
32
96
40
38
96
Production, transportation, and material moving
80
78
98
29
26
92
33
32
96
Full time
91
89
98
28
27
96
42
41
98
Part time
24
23
95
15
14
97
14
13
93
Union
89
87
98
27
26
98
38
38
98
Nonunion
75
73
97
26
25
94
38
37
97
Average wage within the following categories:2
                 
    Lowest 25 percent
65
63
97
20
19
94
30
29
97
        Lowest 10 percent
52
50
96
17
16
93
23
22
96
    Second 25 percent
87
85
97
30
29
97
40
39
98
    Third 25 percent
87
86
98
27
25
96
42
41
98
    Highest 25 percent
88
86
98
29
28
98
42
41
97
        Highest 10 percent
84
82
97
33
33
99
37
36
97
Establishment characteristics
                 
Service-providing industries
82
80
98
26
25
96
38
37
98
    Education and health services
82
80
97
24
23
95
40
39
97
        Educational services
81
79
98
23
22
94
38
37
97
            Elementary and secondary schools
79
78
98
21
20
95
35
34
97
            Junior colleges, colleges, and universities
86
83
96
28
26
93
48
46
96
        Health care and social assistance
87
84
96
32
31
96
52
50
97
            Hospitals
87
83
95
43
42
97
63
61
98
    Public administration
83
81
98
30
30
99
35
34
98
1 to 99 workers
74
73
99
22
21
96
35
35
99
    1 to 49 workers
69
68
99
24
23
95
32
32
99
    50 to 99 workers
79
78
99
19
19
97
38
37
98
100 workers or more
84
81
97
28
27
96
39
38
97
    100 to 499 workers
79
76
97
22
22
97
36
35
98
    500 workers or more
86
84
97
30
29
96
41
40
97
State government
90
87
96
30
28
95
38
37
97
Local government
79
77
98
25
24
97
38
37
98
Geographic areas
                 
Northeast
82
80
97
33
33
100
16
16
99
    New England
82
75
92
11
11
100
17
16
99
    Middle Atlantic
82
81
99
40
40
100
16
15
98
South
82
80
97
23
22
94
34
33
96
    South Atlantic
85
82
97
33
31
93
45
43
96
    East South Central
74
72
96
32
31
97
    West South Central
83
81
97
13
13
97
17
17
99
Midwest
81
79
98
24
22
93
58
57
99
    East North Central
81
78
97
34
31
93
64
63
99
    West North Central
81
80
100
6
6
98
46
46
99
West
80
79
99
28
28
99
46
44
97
    Mountain
82
82
100
29
28
98
62
60
96
    Pacific
79
78
98
28
28
100
38
37
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 2018.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

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