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

Table 5. Life insurance benefits: Access, participation, and take-up rates, March 2023 [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	61	60	98	57	56	98	83	80	97

Worker characteristics
Management, professional, and related occupations	80	79	99	79	79	99	84	82	97
Management, business, and financial occupations	85	84	99	85	84	99	-	-	-
Professional and related occupations	78	77	98	76	76	99	84	81	97
Teachers	77	75	97	-	-	-	83	81	98
Primary, secondary, and special education school teachers	84	82	97	-	-	-	88	87	98
Registered nurses	88	87	99	-	-	-	-	-	-
Service occupations	32	31	96	26	25	95	77	74	97
Protective service occupations	66	63	96	42	38	92	86	84	97
Sales and office occupations	56	55	98	54	53	98	83	80	97
Sales and related occupations	44	43	98	44	43	98	-	-	-
Office and administrative support occupations	65	64	98	63	61	98	83	81	97
Natural resources, construction, and maintenance occupations	59	58	99	56	56	99	90	88	98
Construction, extraction, farming, fishing, and forestry occupations	49	49	99	46	46	99	-	-	-
Installation, maintenance, and repair occupations	70	69	99	68	67	99	-	-	-
Production, transportation, and material moving occupations	67	65	98	66	65	98	79	79	99
Production occupations	73	72	99	72	72	99	-	-	-
Transportation and material moving occupations	63	61	97	62	61	97	-	-	-

Full time	74	73	98	71	70	99	92	90	97
Part time	16	15	93	16	14	92	23	22	95

Union	87	85	98	86	84	98	88	87	98
Nonunion	57	56	98	55	54	98	77	75	97

Average wage within the following categories:(3)
Lowest 25 percent	29	28	96	26	25	96	66	64	97
Lowest 10 percent	17	16	93	16	14	93	56	-	-
Second 25 percent	61	59	98	57	55	98	88	85	97
Third 25 percent	74	73	99	71	70	99	89	87	98
Highest 25 percent	86	85	99	85	84	99	89	87	98
Highest 10 percent	89	88	99	90	89	99	86	83	97

Establishment characteristics
Goods-producing industries	70	69	99	70	69	99	-	-	-
Service-providing industries	59	58	98	55	54	98	83	80	97
Education and health services	69	68	98	63	62	98	83	80	97
Educational services	78	77	98	67	67	100	82	80	98
Elementary and secondary schools	79	78	98	-	-	-	80	79	98
Junior colleges, colleges, universities, and professional schools	87	85	97	89	88	100	86	82	96
Health care and social assistance	64	63	98	62	61	98	88	83	95
Hospitals	90	89	99	-	-	-	88	84	95
Public administration	86	84	98	-	-	-	86	84	98

1 to 99 workers	44	43	98	42	41	98	75	73	98
1 to 49 workers	39	39	98	38	37	98	73	71	98
50 to 99 workers	59	58	98	57	56	98	-	-	-
100 workers or more	78	76	98	76	75	98	85	83	97
100 to 499 workers	72	71	98	70	69	98	82	79	97
500 workers or more	84	83	98	84	82	98	86	84	97

Geographic areas
Northeast	59	58	99	56	55	99	82	79	96
New England	64	62	97	61	61	99	85	75	88
Middle Atlantic	57	57	99	54	53	99	81	80	99
South	61	60	98	57	56	98	85	82	97
South Atlantic	62	60	98	58	57	98	85	82	96
East South Central	63	62	98	60	58	98	83	81	97
West South Central	59	58	98	55	54	98	84	83	99
Midwest	63	62	98	60	59	98	82	79	96
East North Central	65	63	98	63	61	98	82	78	95
West North Central	59	58	99	56	55	99	82	81	99
West	59	58	99	56	55	98	80	80	100
Mountain	61	60	99	57	57	99	83	83	100
Pacific	58	57	98	55	54	98	79	78	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 21, 2023