Insurance benefits: Access, participation, and take-up rates

Table 16. Insurance benefits: Access, participation, and take-up rates,1 State and local government workers, National
Compensation Survey, March 2013

(All workers = 100 percent)

Characteristics

Life insurance

Short-term disability

Long-term disability

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

79

78

98

23

22

99

35

33

96

Worker characteristics

                 

Management, professional, and related

80

78

98

22

21

99

37

36

96

    Professional and related

79

77

97

20

20

99

36

35

96

        Teachers

78

76

97

18

18

99

36

35

96

            Primary, secondary, and special education
             school teachers

85

84

98

18

18

98

39

38

98

Service

76

75

98

24

23

98

26

25

96

    Protective service

85

85

99

23

22

97

26

25

96

Sales and office

79

78

98

25

24

99

35

34

97

    Office and administrative support

80

78

98

25

25

99

35

34

97

Natural resources, construction, and maintenance

91

89

99

28

28

100

45

44

99

Production, transportation, and material moving

78

77

99

22

21

99

29

27

94

Full time

90

88

98

25

24

98

39

38

97

Part time

23

22

96

12

12

99

11

10

93

Union

86

85

98

28

27

99

34

33

97

Nonunion

74

72

97

19

18

98

35

34

96

Average wage within the following categories:2

                 

    Lowest 25 percent

62

61

98

19

18

98

27

26

96

        Lowest 10 percent

48

46

96

13

13

99

20

19

97

    Second 25 percent

84

82

98

25

24

99

34

33

96

    Third 25 percent

85

83

98

25

24

98

39

37

96

    Highest 25 percent

89

86

97

24

23

99

39

38

97

        Highest 10 percent

90

86

96

26

26

100

34

33

97

Establishment characteristics

                 

Service-providing industries

79

78

98

23

22

99

34

33

96

    Education and health services

79

77

97

20

20

98

36

35

96

        Educational services

79

77

97

20

19

99

36

34

96

            Elementary and secondary schools

78

76

98

19

19

99

34

33

97

            Junior colleges, colleges, and universities

81

77

95

18

18

98

40

37

93

        Healthcare and social assistance

81

79

97

25

25

97

38

37

97

            Hospitals

90

87

97

23

22

97

42

41

98

    Public administration

83

82

99

27

26

99

31

30

96

1 to 99 workers

63

63

99

20

20

99

37

35

96

    1 to 49 workers

60

59

99

22

22

99

30

30

99

    50 to 99 workers

68

67

99

17

17

98

46

43

94

100 workers or more

82

80

98

23

23

99

34

33

96

    100 to 499 workers

75

73

98

19

18

98

32

31

98

    500 workers or more

84

82

98

25

25

99

35

34

96

State government

85

82

97

26

26

98

35

33

94

Local government

77

76

98

22

21

99

35

34

97

Geographic areas

                 

New England

73

69

94

7

7

100

15

15

97

Middle Atlantic

84

84

100

43

43

100

18

18

98

East North Central

79

76

97

24

23

97

50

48

96

West North Central

79

78

99

13

13

100

58

58

100

South Atlantic

83

81

98

27

25

96

44

41

94

East South Central

85

80

94

19

18

95

West South Central

77

76

98

10

10

100

15

14

94

Mountain

80

79

99

19

19

99

64

61

95

Pacific

73

72

99

30

30

100

29

28

99

1The take-up rate is an estimate of the percentage of workers with access to a plan
who participate in the plan, rounded for presentation. See Technical Note for more details.


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/glossary20122013.htm.

2Surveyed 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 2013."