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

Table 5. Life insurance benefits: Access, participation, and take-up rates, March 2020 [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 56 55 98 82 80 98

Worker characteristics

Management, professional, and related occupations

79 78 99 78 77 99 83 81 98

Management, business, and financial occupations

84 82 99 83 82 99 - - -

Professional and related occupations

77 76 99 75 74 99 83 80 97

Teachers

77 76 98 - - - 82 80 98

Primary, secondary, and special education school teachers

85 83 98 - - - 87 86 98

Registered nurses

84 83 99 - - - - - -

Service occupations

34 33 95 28 27 94 76 74 97

Protective service occupations

64 61 95 32 27 84 86 84 98

Sales and office occupations

57 56 98 55 54 98 82 81 98

Sales and related occupations

40 39 97 40 39 97 - - -

Office and administrative support occupations

67 66 98 65 64 98 83 81 98

Natural resources, construction, and maintenance occupations

56 55 99 53 53 99 90 89 99

Construction, extraction, farming, fishing, and forestry occupations

48 48 99 45 44 99 - - -

Installation, maintenance, and repair occupations

65 64 98 62 61 98 - - -

Production, transportation, and material moving occupations

64 63 98 64 62 98 80 78 99

Production occupations

69 68 99 69 68 99 - - -

Transportation and material moving occupations

60 58 97 59 57 97 - - -

Full time

74 73 99 70 70 99 91 89 98

Part time

14 13 89 13 12 88 24 22 94

Union

85 83 97 82 80 97 89 87 98

Nonunion

56 55 98 54 53 98 76 74 97

Average wage within the following categories:(3)

Lowest 25 percent

28 26 95 25 23 94 66 63 97

Lowest 10 percent

15 13 90 13 12 88 54 53 97

Second 25 percent

58 57 98 55 54 98 87 85 98

Third 25 percent

76 75 99 70 70 99 88 86 98

Highest 25 percent

85 84 99 83 83 99 88 86 98

Highest 10 percent

88 87 99 88 88 99 85 82 97

Establishment characteristics

Goods-producing industries

70 69 99 69 69 99 - - -

Service-providing industries

58 57 98 53 52 98 82 80 98

Education and health services

68 67 98 61 60 99 82 80 97

Educational services

78 76 98 64 64 100 81 79 98

Elementary and secondary schools

78 76 98 - - - 80 78 98

Junior colleges, colleges, universities, and professional schools

86 84 98 86 85 99 86 83 97

Health care and social assistance

62 61 98 60 59 98 88 84 96

Hospitals

89 87 98 - - - 88 83 95

Public administration

84 82 98 - - - 84 82 98

1 to 99 workers

42 41 98 40 39 98 75 74 98

1 to 49 workers

36 36 99 35 35 99 70 70 99

50 to 99 workers

60 58 97 57 55 97 80 79 98

100 workers or more

77 75 98 75 73 98 84 82 97

100 to 499 workers

70 69 98 69 68 98 78 76 97

500 workers or more

84 81 97 82 80 97 87 84 98

Geographic areas

Northeast

58 57 98 54 54 99 82 80 97

New England

65 63 97 62 62 99 83 75 90

Middle Atlantic

56 55 99 51 51 99 82 81 99

South

58 57 98 54 53 98 83 80 97

South Atlantic

58 56 97 54 52 97 85 82 96

East South Central

58 58 99 55 55 99 75 73 97

West South Central

59 57 98 54 52 98 84 82 98

Midwest

63 61 97 60 58 97 81 79 97

East North Central

64 62 98 61 60 98 81 78 96

West North Central

60 58 97 56 55 97 82 81 99

West

61 60 99 57 57 99 80 80 100

Mountain

64 63 99 61 60 99 83 82 100

Pacific

59 59 99 56 55 99 79 79 99

Footnotes
(1) Includes workers in private industry and state and local government. See the Handbook of Methods: National Compensation Measures at www.bls.gov/opub/hom/ncs/home.htm 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/ncs/ebs/national-compensation-survey-glossary-of-employee-benefit-terms.htm.
SOURCE: U.S. Bureau of Labor Statistics, National Compensation Survey.

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Last Modified Date: September 24, 2020