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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 2019 [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 58 98 56 55 98 81 79 98

Worker characteristics

Management, professional, and related occupations

79 78 99 77 76 99 83 81 97

Management, business, and financial occupations

83 82 99 82 81 99 - - -

Professional and related occupations

77 76 98 74 74 99 82 80 97

Teachers

77 75 98 - - - 82 80 97

Primary, secondary, and special education school teachers

83 82 98 - - - 87 85 98

Registered nurses

83 82 99 - - - - - -

Service occupations

36 34 96 30 29 95 76 74 97

Protective service occupations

63 61 98 34 33 97 86 84 98

Sales and office occupations

57 56 98 54 53 98 82 80 98

Sales and related occupations

40 39 98 40 39 98 - - -

Office and administrative support occupations

66 65 99 64 63 99 83 81 98

Natural resources, construction, and maintenance occupations

55 54 98 52 51 98 89 88 99

Construction, extraction, farming, fishing, and forestry occupations

47 46 99 44 43 98 - - -

Installation, maintenance, and repair occupations

63 61 98 60 59 98 - - -

Production, transportation, and material moving occupations

64 63 98 64 62 98 80 79 98

Production occupations

69 68 99 68 68 99 - - -

Transportation and material moving occupations

60 58 97 59 57 97 - - -

Full time

73 72 98 70 69 99 91 89 98

Part time

15 14 91 14 13 91 24 23 93

Union

85 83 97 83 80 97 89 87 98

Nonunion

55 54 98 54 53 98 75 73 97

Average wage within the following categories:(3)

Lowest 25 percent

28 26 95 24 23 95 65 63 97

Lowest 10 percent

16 15 93 15 14 92 53 51 97

Second 25 percent

60 58 98 56 55 98 87 85 98

Third 25 percent

76 75 99 72 71 99 87 86 98

Highest 25 percent

83 83 99 82 81 99 88 86 97

Highest 10 percent

86 85 99 85 85 99 85 82 97

Establishment characteristics

Goods-producing industries

70 69 99 70 69 99 - - -

Service-providing industries

58 57 98 53 52 98 82 79 98

Education and health services

69 68 98 62 61 99 82 80 97

Educational services

78 76 98 67 66 99 81 79 97

Elementary and secondary schools

78 76 98 - - - 79 77 98

Junior colleges, colleges, universities, and professional schools

86 84 97 87 86 99 86 83 96

Health care and social assistance

64 62 98 62 61 98 87 84 96

Hospitals

90 88 99 - - - 87 83 95

Public administration

84 82 98 - - - 84 82 98

1 to 99 workers

42 42 98 40 40 98 75 73 98

1 to 49 workers

37 37 99 36 35 99 69 68 99

50 to 99 workers

57 56 98 54 52 97 80 79 98

100 workers or more

77 75 98 75 74 98 84 81 97

100 to 499 workers

70 69 98 69 68 98 78 76 97

500 workers or more

84 82 98 84 82 98 86 84 97

Geographic areas

Northeast

58 57 98 54 53 99 82 79 97

New England

63 61 97 60 58 98 82 74 90

Middle Atlantic

56 55 99 52 51 99 81 81 99

South

59 58 98 55 54 98 82 80 97

South Atlantic

60 59 98 56 55 98 85 82 97

East South Central

58 56 98 54 53 98 74 72 96

West South Central

59 58 98 55 54 98 83 81 98

Midwest

62 60 97 59 57 97 81 79 97

East North Central

62 61 98 59 58 98 81 78 96

West North Central

61 59 97 58 56 97 81 80 100

West

60 59 99 56 56 99 81 80 99

Mountain

64 63 99 61 60 99 82 82 100

Pacific

58 57 99 54 54 99 80 79 99

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 2019."

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 20, 2019