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 2022 [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 57 56 98 83 81 97

Worker characteristics

Management, professional, and related occupations

80 79 99 79 78 99 84 82 97

Management, business, and financial occupations

85 84 99 85 84 99 - - -

Professional and related occupations

78 77 99 76 75 99 84 81 97

Teachers

79 77 98 - - - 83 81 97

Primary, secondary, and special education school teachers

85 84 99 - - - 88 87 98

Registered nurses

86 85 99 - - - - - -

Service occupations

34 33 97 27 26 96 77 75 97

Protective service occupations

66 63 96 38 35 90 87 85 98

Sales and office occupations

55 54 98 53 52 98 83 81 98

Sales and related occupations

39 39 98 39 38 98 - - -

Office and administrative support occupations

65 64 98 63 61 98 84 82 98

Natural resources, construction, and maintenance occupations

58 57 99 56 55 99 90 88 98

Construction, extraction, farming, fishing, and forestry occupations

51 51 100 48 48 100 - - -

Installation, maintenance, and repair occupations

65 64 98 63 62 99 - - -

Production, transportation, and material moving occupations

65 64 98 64 63 98 79 78 99

Production occupations

71 70 99 71 70 99 - - -

Transportation and material moving occupations

60 58 97 59 57 97 - - -

Full time

74 73 98 71 70 99 92 90 97

Part time

16 15 94 15 14 94 23 22 95

Union

86 84 98 84 82 98 88 87 98

Nonunion

56 55 98 54 53 98 78 75 97

Average wage within the following categories:(3)

Lowest 25 percent

28 27 97 25 24 97 67 65 97

Lowest 10 percent

17 17 96 15 14 96 58 57 97

Second 25 percent

60 59 98 57 55 98 88 86 97

Third 25 percent

73 72 98 69 68 99 88 86 97

Highest 25 percent

86 86 99 85 84 99 89 87 98

Highest 10 percent

89 89 99 90 90 100 86 83 97

Establishment characteristics

Goods-producing industries

69 69 99 69 69 99 - - -

Service-providing industries

59 57 98 54 53 98 83 81 97

Education and health services

70 69 98 64 63 98 83 80 97

Educational services

79 77 98 69 69 100 82 80 97

Elementary and secondary schools

79 78 98 - - - 80 79 98

Junior colleges, colleges, universities, and professional schools

86 84 97 86 86 100 86 83 96

Health care and social assistance

65 64 98 63 62 98 88 84 96

Hospitals

89 88 99 - - - 88 84 95

Public administration

86 84 98 - - - 86 84 98

1 to 99 workers

43 43 99 41 41 99 76 75 98

1 to 49 workers

38 38 99 37 36 99 72 71 99

50 to 99 workers

62 60 98 59 58 98 80 78 98

100 workers or more

78 76 98 76 75 98 85 82 97

100 to 499 workers

72 71 98 71 70 98 80 78 97

500 workers or more

84 82 98 82 81 98 87 84 97

Geographic areas

Northeast

58 57 99 54 54 99 81 79 97

New England

60 58 98 57 56 99 83 74 90

Middle Atlantic

57 56 99 53 53 99 81 81 99

South

60 59 98 56 55 98 85 83 97

South Atlantic

61 59 98 57 56 98 86 83 96

East South Central

61 60 98 56 55 98 84 82 98

West South Central

59 58 98 54 53 98 84 82 98

Midwest

63 61 98 60 59 98 82 79 96

East North Central

63 62 98 61 60 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

63 63 99 60 60 99 83 83 100

Pacific

58 57 99 55 54 99 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/ncs/ebs/national-compensation-survey-glossary-of-employee-benefit-terms.htm.
SOURCE: U.S. Bureau of Labor Statistics, National Compensation Survey.

Last Modified Date: September 22, 2022