Department of Labor Logo United States Department of Labor
Dot gov

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

Https

The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Economic News Release
PRINT:Print
EBS EBS Program Links

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

Table 5. Life insurance benefits: Access, participation, and take-up rates, March 2021 [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 83 80 97

Worker characteristics

Management, professional, and related occupations

80 79 99 78 77 99 84 82 97

Management, business, and financial occupations

85 84 99 85 84 99 - - -

Professional and related occupations

77 76 99 74 74 99 84 81 97

Teachers

78 76 98 - - - 83 81 97

Primary, secondary, and special education school teachers

85 83 98 - - - 88 87 98

Registered nurses

85 84 99 - - - - - -

Service occupations

33 32 95 27 25 94 77 74 97

Protective service occupations

68 65 95 39 34 87 87 84 97

Sales and office occupations

56 55 98 54 53 99 83 81 98

Sales and related occupations

41 40 98 40 40 98 - - -

Office and administrative support occupations

66 65 99 64 63 99 84 82 98

Natural resources, construction, and maintenance occupations

57 57 99 55 54 99 90 88 98

Construction, extraction, farming, fishing, and forestry occupations

50 50 99 47 47 100 - - -

Installation, maintenance, and repair occupations

65 64 99 63 62 99 - - -

Production, transportation, and material moving occupations

65 63 98 64 63 98 79 78 99

Production occupations

71 71 99 71 70 99 - - -

Transportation and material moving occupations

58 57 97 57 56 97 - - -

Full time

74 73 99 71 70 99 92 90 97

Part time

14 13 91 14 12 90 23 22 94

Union

85 83 98 81 79 97 88 87 98

Nonunion

56 55 98 54 53 98 78 75 96

Average wage within the following categories:(3)

Lowest 25 percent

27 26 96 25 24 95 67 65 97

Lowest 10 percent

15 14 91 13 12 90 57 55 97

Second 25 percent

60 58 98 55 54 98 88 85 97

Third 25 percent

74 73 98 69 68 99 89 86 97

Highest 25 percent

85 85 99 84 83 99 88 86 98

Highest 10 percent

89 88 99 89 89 100 86 84 97

Establishment characteristics

Goods-producing industries

70 69 99 70 69 99 - - -

Service-providing industries

58 57 98 53 52 98 83 80 97

Education and health services

69 67 98 62 61 98 83 80 97

Educational services

79 77 98 66 66 100 82 80 97

Elementary and secondary schools

79 77 98 - - - 81 79 98

Junior colleges, colleges, universities, and professional schools

86 84 98 85 85 100 86 83 97

Health care and social assistance

63 62 98 61 60 98 87 83 95

Hospitals

88 87 98 - - - 88 83 95

Public administration

86 83 97 - - - 86 83 97

1 to 99 workers

44 43 98 41 41 98 77 75 98

1 to 49 workers

38 38 98 37 36 98 72 71 98

50 to 99 workers

61 60 98 58 57 98 81 79 97

100 workers or more

78 76 98 76 74 98 84 82 97

100 to 499 workers

71 70 98 70 69 99 80 77 97

500 workers or more

84 82 98 83 81 98 87 84 97

Geographic areas

Northeast

57 57 99 54 53 99 82 79 97

New England

61 59 97 58 57 99 83 73 88

Middle Atlantic

56 56 99 52 52 99 81 81 100

South

59 58 98 55 54 98 85 82 97

South Atlantic

61 59 98 57 56 99 85 81 96

East South Central

59 58 98 54 53 98 85 83 98

West South Central

57 55 97 52 50 96 84 82 98

Midwest

63 61 97 60 59 98 82 79 96

East North Central

63 62 97 60 59 98 82 78 95

West North Central

62 61 97 59 57 97 82 81 98

West

60 59 99 57 56 99 80 80 100

Mountain

64 63 99 60 60 99 84 84 100

Pacific

58 58 99 55 55 99 79 79 100

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.

Table of Contents

Last Modified Date: September 23, 2021