Table 4. Life insurance benefits: Access, participation, and take-up rates

Table 4. Life insurance benefits: Access, participation, and take-up rates, March 2018 [All workers = 100 percent]
Characteristics Civilian(1) Private industry State and local government
Access Participation Take-up rate(2) Access Participation Take-up rate(2) Access Participation Take-up rate(2)

All workers

60 59 98 57 55 98 81 80 98

Worker characteristics

Management, professional, and related occupations

79 78 99 78 77 99 83 81 98

Management, business, and financial occupations

83 82 99 82 82 99 - - -

Professional and related occupations

77 76 99 75 74 99 82 80 98

Teachers

76 74 98 - - - 82 80 98

Primary, secondary, and special education school teachers

83 82 98 - - - 87 86 98

Registered nurses

83 82 99 - - - - - -

Service occupations

36 35 96 30 29 95 75 74 97

Protective service occupations

67 65 97 43 41 95 86 84 98

Sales and office occupations

57 55 98 54 53 98 82 80 97

Sales and related occupations

42 40 96 42 40 96 - - -

Office and administrative support occupations

65 64 99 63 62 99 82 80 97

Natural resources, construction, and maintenance occupations

56 55 98 53 52 98 89 88 99

Construction, extraction, farming, fishing, and forestry occupations

48 47 98 44 43 98 - - -

Installation, maintenance, and repair occupations

64 62 98 62 60 98 - - -

Production, transportation, and material moving occupations

64 62 97 64 62 97 80 78 98

Production occupations

66 65 98 66 65 98 - - -

Transportation and material moving occupations

62 60 96 61 59 95 - - -

Full time

75 73 98 72 70 98 91 89 98

Part time

14 13 90 14 12 89 24 23 95

Union

87 84 97 85 82 96 89 87 98

Nonunion

56 55 98 54 53 98 75 73 97

Average wage within the following categories:(3)

Lowest 25 percent

27 25 93 24 22 93 65 63 97

Lowest 10 percent

17 15 89 15 13 86 52 50 96

Second 25 percent

63 61 97 58 57 97 87 85 97

Third 25 percent

75 74 99 72 71 99 87 86 98

Highest 25 percent

84 83 99 83 82 99 88 86 98

Highest 10 percent

85 84 99 85 85 99 84 82 97

Establishment characteristics

Goods-producing industries

69 68 98 69 68 98 - - -

Service-providing industries

59 57 98 54 53 98 82 80 98

Education and health services

70 69 99 64 64 99 82 80 97

Educational services

78 77 98 68 67 99 81 79 98

Elementary and secondary schools

78 76 98 - - - 79 78 98

Junior colleges, colleges, universities, and professional schools

87 85 97 88 87 99 86 83 96

Health care and social assistance

66 65 99 64 63 100 87 84 96

Hospitals

89 88 99 - - - 87 83 95

Public administration

83 81 98 - - - 83 81 98

1 to 99 workers

43 42 98 40 40 98 74 73 99

1 to 49 workers

37 36 98 35 35 98 69 68 99

50 to 99 workers

59 57 97 56 54 97 79 78 99

100 workers or more

78 76 98 76 74 98 84 81 97

100 to 499 workers

71 70 97 70 69 97 79 76 97

500 workers or more

85 83 98 84 83 98 86 84 97

Geographic areas

Northeast

60 59 98 56 55 98 82 80 97

New England

64 62 97 61 60 98 82 75 92

Middle Atlantic

58 57 99 54 54 99 82 81 99

South

61 60 97 58 56 97 82 80 97

South Atlantic

61 60 98 57 56 98 85 82 97

East South Central

60 58 96 57 55 96 74 72 96

West South Central

62 60 97 58 57 97 83 81 97

Midwest

62 60 97 59 58 97 81 79 98

East North Central

62 60 97 60 58 97 81 78 97

West North Central

61 60 99 58 57 98 81 80 100

West

57 56 98 53 52 98 80 79 99

Mountain

61 61 99 58 57 99 82 82 100

Pacific

55 54 98 51 50 98 79 78 98

Footnotes
(1) Includes workers in private industry and state and local government. See Technical Note for further explanation.
(2) The take-up rate is calculated from the unrounded percentage of workers with access to a plan and who participate in the plan.
(3) Surveyed 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 data from the National Compensation Survey publication, "Employer Costs for Employee Compensation - 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/glossary20162017.htm.
SOURCE: U.S. Bureau of Labor Statistics, National Compensation Survey.

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Last Modified Date: July 20, 2018