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

Table 5. Life insurance benefits: Access, participation, and take-up rates, March 2025 [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	62	61	98	59	58	98	84	81	97

Worker characteristics
Management, professional, and related occupations	80	79	99	78	78	100	85	83	97
Management, business, and financial occupations	84	84	99	83	83	99	-	-	-
Professional and related occupations	78	77	99	75	75	100	85	82	97
Teachers	72	70	97	-	-	-	84	81	97
Primary, secondary, and special education school teachers	80	79	98	-	-	-	90	87	98
Registered nurses	87	86	99	-	-	-	-	-	-
Service occupations	38	36	96	32	31	96	77	75	97
Protective service occupations	-	-	-	-	-	-	87	85	97
Sales and office occupations	60	59	98	58	57	98	83	80	97
Sales and related occupations	47	46	97	47	46	97	-	-	-
Office and administrative support occupations	68	67	98	66	65	99	84	81	97
Natural resources, construction, and maintenance occupations	58	58	99	55	55	99	92	91	99
Construction, extraction, farming, fishing, and forestry occupations	49	49	100	46	45	100	-	-	-
Installation, maintenance, and repair occupations	68	67	98	66	65	98	-	-	-
Production, transportation, and material moving occupations	65	63	96	65	62	96	83	82	99
Production occupations	72	70	98	71	70	98	-	-	-
Transportation and material moving occupations	62	59	95	61	58	95	-	-	-

Full time	76	75	98	73	72	99	93	90	97
Part time	15	14	91	15	13	90	23	22	95

Union	86	84	97	84	81	96	89	87	98
Nonunion	59	58	98	57	56	98	79	76	96

Average wage within the following categories:(3)
Lowest 25 percent	31	30	95	28	26	95	67	65	96
Lowest 10 percent	19	17	91	17	16	90	57	54	95
Second 25 percent	62	60	97	57	56	97	89	86	97
Third 25 percent	77	76	99	72	72	99	90	88	98
Highest 25 percent	86	85	99	85	85	99	89	87	97
Highest 10 percent	90	90	99	91	91	100	85	82	97

Establishment characteristics
Goods-producing industries	70	69	99	70	69	99	-	-	-
Service-providing industries	61	60	98	57	56	98	84	81	97
Education and health services	71	70	98	65	65	99	84	81	96
Educational services	78	76	98	63	63	100	83	80	97
Elementary and secondary schools	80	78	98	-	-	-	82	80	97
Junior colleges, colleges, universities, and professional schools	87	85	97	89	89	100	86	82	96
Health care and social assistance	67	66	99	66	65	99	88	83	94
Hospitals	89	88	99	89	88	100	89	83	93
Public administration	87	85	98	-	-	-	87	85	98

1 to 99 workers	44	43	97	42	41	97	77	75	97
1 to 49 workers	40	39	98	39	38	98	73	72	98
50 to 99 workers	56	54	96	53	51	96	80	77	97
100 workers or more	80	79	98	79	78	99	85	83	97
100 to 499 workers	74	72	98	72	71	99	82	79	97
500 workers or more	87	86	98	87	86	98	87	85	97

Geographic areas
Northeast	63	62	98	59	59	99	83	79	96
New England	66	64	97	63	62	99	85	73	86
Middle Atlantic	62	61	99	58	58	99	83	82	99
South	63	61	97	59	57	97	86	83	97
South Atlantic	61	59	97	58	56	97	86	83	96
East South Central	64	62	97	60	59	98	83	80	96
West South Central	64	63	98	60	58	98	87	85	98
Midwest	64	63	98	62	61	99	82	79	96
East North Central	67	65	98	64	63	99	82	78	95
West North Central	60	59	99	56	56	99	83	82	99
West	60	59	98	57	56	98	81	81	99
Mountain	57	56	98	53	52	97	85	85	100
Pacific	62	61	98	59	58	98	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/ebs/publications/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 25, 2025