Employee Benefits in the United States Summary

For release 10:00 a.m. (EDT) Thursday, September 19, 2019                                           USDL-19-1650

Technical information:  (202) 691-6199    ncsinfo@bls.gov    www.bls.gov/ebs
Media contact:          (202) 691-5902    pressoffice@bls.gov

                        EMPLOYEE BENEFITS IN THE UNITED STATES  MARCH 2019

Retirement benefits were available to 91 percent of state and local government workers in March 2019, the U.S.
Bureau of Labor Statistics reported today. Retirement benefits include defined benefit and defined contribution
plans. Sixty-nine percent of state and local government workers in the lowest 10th percent wage category and 
95 percent of workers in the highest 10th percent wage category had access to retirement benefits.(See table 1.)

Seventy-seven percent of private industry workers had access to and participated in employer-provided retirement
benefits, referred to as the take-up rate. Retirement benefits were available to 31 percent of workers in the 
lowest 10th percent wage category and 88 percent of workers in the highest 10th percent wage category. (See 
table 1.) 

Civilian workers
  * The access rate to medical care benefits for full-time workers was 87 percent and the take-up rate was 74
percent. For part-time workers, access to medical care benefits was 22 percent and the take-up rate was 56 
percent. (See table 2.)
  * The share of premiums workers paid for family medical coverage was 33 percent and employers paid 67 percent.
In the Northeast the employee share was 26 percent and in the South it was 37 percent. (See table 4.)
  * Short-term disability insurance was available to 40 percent of workers and the take-up rate was 98 percent.
Long-term disability insurance was available to 34 percent of workers and the take-up rate was 96 percent. (See
table 16 of the additional benefits tables.)  

Private industry workers
  * For single coverage medical care, the share of premiums paid by workers was 21 percent and employers paid 79
percent. Seventy-three percent of workers made flat dollar contributions with a median monthly amount of
$122.33. Sixteen percent of workers had a variable premium. (See table 3, and tables 12 and 15 of the additional
benefits tables.)
  * The median flat dollar monthly employee contribution for family coverage medical care was $473.36. (See
table 15 of the additional benefits tables.)
  * Ninety-four percent of union workers had access to medical care benefits and 83 percent had access to life 
insurance. Eighty-two percent had access to both benefits. (See tables 2 and 5, and table 44 of the additional 
benefits tables.)
  * Wellness programs were available to 41 percent of workers. (See table 39 of the additional benefits tables.)

State and local government workers
  * Life insurance was available to 91 percent of full-time workers and 89 percent participated in the benefit. 
Twenty-four percent of part-time workers had access to life insurance benefits and 23 percent participated in 
the benefit. (See table 5.)
  * Sixty-one percent of workers had access to paid vacation days. After one year of service, 56 percent of
workers had between 10 and 14 days available and 17 percent of workers had between 15 and 19 days. (See table 6
and table 37 of the additional benefits tables.)
  * Fifty-seven percent of workers had access to defined benefit retirement survivor benefits for same-sex 
unmarried domestic partners and 56 percent of workers had access for opposite-sex unmarried domestic partners. 
(See table 43 of the additional benefits tables.) 

Additional benefit tables organized by ownership and type of benefit are available in the Employee Benefits 
in the United States, March 2019 publication, see www.bls.gov/ncs/ebs/benefits/2019/.
                 

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Last Modified Date: September 20, 2019