Table 5. Life insurance benefits: Access, participation, and take-up rates

Table 5. Life insurance benefits: Access, participation, and take-up rates, March 2026 [All workers = 100 percent]
Characteristics	Civilian(1)			Private industry			State and local government
Characteristics	Access	Participation	Take-up rate(2)	Access	Participation	Take-up rate(2)	Access	Participation	Take-up rate(2)
All workers	63	62	98	59	58	98	84	82	98

Worker characteristics
Management, professional, and related occupations	81	80	99	79	79	99	86	84	98
Management, business, and financial occupations	85	84	99	84	84	99	-	-	-
Professional and related occupations	79	78	99	76	76	100	85	83	98
Teachers	74	72	98	-	-	-	84	82	98
Primary, secondary, and special education school teachers	85	83	98	-	-	-	90	88	98
Registered nurses	83	82	99	-	-	-	-	-	-
Service occupations	39	37	96	33	31	95	78	76	97
Protective service occupations	75	74	98	-	-	-	88	85	98
Sales and office occupations	60	59	99	57	57	99	84	82	98
Sales and related occupations	46	45	98	46	45	98	-	-	-
Office and administrative support occupations	69	68	99	66	65	99	85	83	98
Natural resources, construction, and maintenance occupations	60	60	99	58	57	99	93	92	99
Construction, extraction, farming, fishing, and forestry occupations	52	52	99	49	48	99	-	-	-
Installation, maintenance, and repair occupations	69	68	99	67	66	99	-	-	-
Production, transportation, and material moving occupations	64	63	99	63	62	98	83	82	99
Production occupations	69	67	98	68	67	98	-	-	-
Transportation and material moving occupations	61	60	99	60	59	99	-	-	-

Full time	77	76	99	74	73	99	94	92	98
Part time	14	14	95	14	13	94	23	22	96

Union	86	85	99	83	82	99	90	88	98
Nonunion	59	58	98	57	56	98	79	76	97

Average wage within the following categories:(3)
Lowest 25 percent	31	29	96	28	26	95	68	66	97
Lowest 10 percent	20	18	91	-	-	-	57	55	96
Second 25 percent	63	62	98	59	58	99	90	88	98
Third 25 percent	77	76	99	72	72	99	91	90	98
Highest 25 percent	88	87	99	87	86	99	89	88	98
Highest 10 percent	91	90	99	92	91	99	86	84	97

Establishment characteristics
Goods-producing industries	70	69	99	70	69	99	-	-	-
Service-providing industries	61	60	98	57	56	98	84	82	98
Education and health services	72	71	99	66	66	99	84	82	97
Educational services	79	77	98	64	64	99	83	81	98
Elementary and secondary schools	81	80	98	-	-	-	82	81	98
Junior colleges, colleges, universities, and professional schools	86	85	98	87	87	100	86	84	97
Health care and social assistance	68	67	99	66	66	100	89	84	94
Hospitals	87	86	99	86	86	100	91	86	94
Public administration	88	86	98	-	-	-	88	86	98

1 to 99 workers	46	44	98	44	42	97	76	75	98
1 to 49 workers	42	41	98	40	39	98	75	73	98
50 to 99 workers	57	56	97	54	53	97	77	76	98
100 workers or more	80	79	99	78	77	99	86	84	98
100 to 499 workers	73	72	99	71	70	99	83	81	97
500 workers or more	86	85	99	86	85	99	88	86	98

Geographic areas
Northeast	64	64	99	61	61	99	84	82	98
New England	66	64	98	63	62	99	85	77	91
Middle Atlantic	64	63	99	61	60	99	83	83	100
South	62	61	98	58	57	98	86	84	97
South Atlantic	61	59	97	57	55	98	87	83	96
East South Central	63	62	98	59	59	99	84	81	96
West South Central	64	62	98	60	58	97	87	85	99
Midwest	65	64	99	62	62	99	82	80	97
East North Central	65	64	99	62	61	99	82	80	97
West North Central	65	64	99	62	62	99	83	82	98
West	60	59	99	56	55	99	83	82	99
Mountain	58	58	99	55	54	98	85	84	100
Pacific	61	60	99	57	56	99	82	81	99
Footnotes (1) Includes workers in private industry and state and local government. See the Handbook of Methods: Employee Benefits at www.bls.gov/opub/hom/eb/ 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.
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/ebs/publications/national-compensation-survey-glossary-of-employee-benefit-terms.htm. SOURCE: U.S. Bureau of Labor Statistics, National Compensation Survey.

Table of Contents

Last Modified Date: September 25, 2026