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

Table 16. Insurance benefits: Access, participation, and take-up rates,1 private industry 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
57
55
98
42
41
97
34
33
97
Worker characteristics
                 
Management, professional, and related
78
77
99
56
56
99
59
57
97
    Management, business, and financial
82
82
99
65
64
98
64
62
96
    Professional and related
75
74
99
51
51
99
56
55
98
Service
30
29
95
23
23
98
12
11
97
    Protective service
43
41
95
27
26
96
7
7
96
Sales and office
54
53
98
41
39
96
32
31
96
    Sales and related
42
40
96
33
31
93
19
17
92
    Office and administrative support
63
62
99
46
45
98
41
40
98
Natural resources, construction, and maintenance
53
52
98
35
35
98
24
23
96
    Construction, extraction, farming, fishing, and
     forestry
44
43
98
29
28
100
14
14
98
    Installation, maintenance, and repair
62
60
98
42
41
97
33
32
96
Production, transportation, and material moving
64
62
97
47
45
96
30
28
96
    Production
66
65
98
50
50
99
33
32
97
    Transportation and material moving
61
59
95
44
41
94
26
25
95
Full time
72
70
98
51
50
98
44
42
97
Part time
14
12
89
16
15
93
4
4
96
Union
85
82
96
69
66
95
38
37
97
Nonunion
54
53
98
39
38
98
33
32
97
Average wage within the following categories:2
                 
    Lowest 25 percent
24
22
93
18
17
94
7
6
91
        Lowest 10 percent
15
13
86
11
10
93
4
3
87
    Second 25 percent
58
57
97
42
40
97
29
28
97
    Third 25 percent
72
71
99
52
51
98
45
44
97
    Highest 25 percent
83
82
99
63
62
99
63
61
97
        Highest 10 percent
85
85
99
67
66
98
68
65
96
Establishment characteristics
                 
Goods-producing industries
69
68
98
52
51
99
37
36
97
    Construction
43
42
97
29
28
98
14
14
98
    Manufacturing
81
80
99
63
62
99
47
45
97
Service-providing industries
54
53
98
40
38
97
33
32
97
    Trade, transportation, and utilities
56
54
96
41
39
93
24
22
93
        Wholesale trade
72
71
99
51
49
97
44
42
97
        Retail trade
42
40
94
33
30
91
10
9
87
        Transportation and warehousing
76
72
95
55
51
94
35
33
94
        Utilities
93
93
100
46
46
99
88
87
98
    Information
88
86
99
80
79
99
73
72
99
    Financial activities
80
79
99
64
64
99
65
62
96
        Finance and insurance
91
91
99
75
74
99
77
73
96
            Credit intermediation and related activities
92
92
99
75
73
98
83
78
94
            Insurance carriers and related activities
88
88
100
71
71
100
69
68
97
        Real estate and rental and leasing
48
47
99
35
34
97
30
28
95
    Professional and business services
55
54
97
44
43
98
38
37
97
        Professional and technical services
70
69
98
58
58
99
54
53
97
        Administrative and waste services
33
31
93
22
22
99
14
14
98
    Education and health services
64
64
99
37
37
99
46
45
98
        Educational services
68
67
99
46
46
100
61
58
96
            Junior colleges, colleges, and universities
88
87
99
53
53
99
80
77
96
        Health care and social assistance
64
63
100
36
35
98
43
43
98
    Leisure and hospitality
22
20
95
18
18
98
5
5
95
        Accommodation and food services
20
18
94
17
17
98
3
3
91
    Other services
31
30
98
26
25
97
18
17
95
1 to 99 workers
40
40
98
31
30
98
24
23
97
    1 to 49 workers
35
35
98
28
28
98
21
21
97
    50 to 99 workers
56
54
97
37
37
98
30
29
97
100 workers or more
76
74
98
55
53
97
46
44
97
    100 to 499 workers
70
69
97
50
48
96
37
36
97
    500 workers or more
84
83
98
63
61
98
59
57
97
Geographic areas
                 
Northeast
56
55
98
68
67
98
35
34
97
    New England
61
60
98
46
45
97
39
38
98
    Middle Atlantic
54
54
99
75
74
99
34
32
96
South
58
56
97
35
33
96
33
32
96
    South Atlantic
57
56
98
36
34
96
34
32
96
    East South Central
57
55
96
35
34
96
35
34
95
    West South Central
58
57
97
33
32
97
32
30
96
Midwest
59
58
97
43
42
97
36
35
97
    East North Central
60
58
97
45
44
97
36
35
97
    West North Central
58
57
98
39
38
98
36
35
98
West
53
52
98
29
29
98
31
30
98
    Mountain
58
57
99
35
34
98
35
35
98
    Pacific
51
50
98
27
26
98
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.
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.