Table 5. LIFE INSURANCE BENEFITS: Access, participation, and take-up rates


Table 5. Life insurance benefits: Access, participation, and take-up rates,(1) National Compensation Survey, March 2008

(All workers = 100 percent)


                                        Civilian(2)                 Private industry         State and local government

       Characteristics
                                 Access  Particip-  Take-up    Access  Particip-  Take-up    Access  Particip-  Take-up
                                           ation      rate               ation      rate               ation      rate


All workers...................     62        60        96        59        56        96        79        77        97

    Worker characteristics

Management, professional, and
related.......................     77        75        98        76        74        98        80        78        97
  Management, business, and
  financial...................     85        83        98        85        83        98        -         -         -
  Professional and related....     74        73        98        72        70        98        79        77        97
    Teachers..................     72        70        97        -         -         -         78        76        97
      Primary, secondary, and
      special education school
      teachers................     76        75        98        -         -         -         82        80        98
    Registered nurses.........     68        66        97        -         -         -         83        81        98
Service.......................     42        39        93        36        33        91        75        73        97
  Protective service..........     -         -         -         -         -         -         85        83        98
Sales and office..............     61        58        95        59        56        95        81        79        98
  Sales and related...........     50        46        93        50        46        93        -         -         -
  Office and administrative
  support.....................     67        65        97        65        62        96        81        80        98
Natural resources,
construction, and maintenance      58        56        96        56        53        96        89        88        99
  Construction, extraction,
  farming, fishing, and
  forestry....................     49        47        95        46        43        94        -         -         -
  Installation, maintenance,
  and repair..................     69        67        97        67        65        97        -         -         -
Production, transportation,
and material moving...........     67        64        96        66        63        96        77        75        97
  Production..................     72        70        97        72        70        97        -         -         -
  Transportation and material
  moving......................     61        58        95        60        57        94        -         -         -

Full time.....................     75        72        96        72        69        96        90        87        98
Part time.....................     17        15        89        16        14        88        24        23        95

Union.........................     82        80        98        77        76        98        87        85        98
Nonunion......................     58        56        95        57        54        95        74        71        96

Average wage within the
following percentiles:(3)
  Less than 10................     18        16        88        17        16        89        44        42        95
  10 to under 25..............     40        36        89        36        32        87        74        72        97
  25 to under 50..............     65        62        96        63        60        95        84        82        97
  50 to under 75..............     73        71        97        69        67        97        85        84        98
  75 to under 90..............     79        78        98        76        75        98        88        86        98
  90 or greater...............     84        82        98        82        81        98        89        87        97

Establishment characteristics

Goods-producing industries....     71        68        97        70        68        97        -         -         -

Service-providing industries..     60        58        96        56        53        95        79        77        97
  Education and health
  services....................     69        67        97        62        60        96        79        77        97
    Educational services......     76        74        97        65        64        98        78        76        97
      Elementary and secondary
      schools.................     75        74        98        -         -         -         77        76        98
      Junior colleges,
      colleges, and
      universities............     83        80        96        85        85        99        82        77        94
    Health care and social
    assistance................     64        61        96        62        59        96        84        82        97
      Hospitals...............     85        83        98        -         -         -         89        86        97
  Public administration.......     82        80        98        -         -         -         82        80        98

1 to 99 workers...............     44        41        95        43        40        94        64        62        97
  1 to 49 workers.............     39        37        94        38        36        94        63        61        98
  50 to 99 workers............     55        53        95        54        52        95        66        63        96
100 workers or more...........     78        76        97        77        74        96        82        80        97
  100 to 499 workers..........     71        68        95        71        67        95        73        72        98
  500 workers or more.........     85        83        98        85        83        98        85        83        97

       Geographic areas

New England...................     58        56        98        55        53        98        76        73        97
Middle Atlantic...............     60        59        98        56        55        98        84        83        99
East North Central............     66        63        96        64        61        96        77        74        96
West North Central............     63        60        97        60        58        96        75        74        99
South Atlantic................     66        63        95        62        59        95        84        81        96
East South Central............     68        65        95        66        62        95        80        75        94
West South Central............     60        56        94        57        53        93        75        74        99
Mountain......................     60        56        94        56        52        93        83        81        97
Pacific.......................     57        55        96        53        51        96        77        77        99

  1 The 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.
  2 Includes workers in the private nonfarm economy except those in private households, and workers in the public
sector, except the federal government. See Technical Note for further explanation.
  3 The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both
above and below the threshold. The percentile values are based on the estimates published in the "National Compensation
Survey: Occupational Earnings in the United States, 2007." See Technical Note for more details.

NOTE: Dash indicates no workers in this category or data did not meet publication criteria.

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Last Modified Date: August 07, 2008