About 57% of U.S. workers said in June that they would take a salary cut to maintain their current group insurance and retirement arrangements.

Guardian Life Insurance Company of America, New York, has published that figure in a summary of results based on a telephone of 486 U.S. workers ages 18 and older who live in private households in the continental United States.

All of the participants had jobs when they were interviewed.

About 68% of the participants said their employers had required longer hours, let employees go, or taken other, similar steps in response to the recession.

Interviewers found that 25% of the full-time employees reported being afraid or knowing someone who was afraid to take time off.

About 10% of the full-time employees who participated said they were pregnant or ill and afraid to take time off, or knew others who were pregnant or ill and afraid to take time off.

Another 10% of the full-time employees said they were postponing a divorce to obtain or keep benefits coverage.

Only 49% of the participants said they expect their employers to return benefits to former levels when the economy rebounds.