Standard Errors
Health-related benefits: Access

Table 42. Standard errors for health-related benefits: Access,
civilian workers,1 National Compensation Survey, March 2013

Characteristics

Long-term
care
insurance2

Retiree healthcare
benefits3

Under age
65

Age 65 and
over

All workers

0.4

0.5

0.5

Worker characteristics

     

Management, professional, and related

0.8

1.0

1.0

    Management, business, and financial

1.1

1.6

1.4

    Professional and related

1.0

1.1

1.1

        Teachers

1.4

1.4

1.6

            Primary, secondary, and special education
             school teachers

1.4

1.6

1.9

        Registered nurses

2.6

2.2

1.9

Service

0.6

0.7

0.7

    Protective service

1.8

2.9

2.9

Sales and office

0.6

0.7

0.6

    Sales and related

0.9

0.9

0.9

    Office and administrative support

0.7

0.8

0.7

Natural resources, construction, and maintenance

1.1

1.2

1.2

    Construction, extraction, farming, fishing, and
     forestry

0.8

1.5

1.5

    Installation, maintenance, and repair

1.7

1.8

1.6

Production, transportation, and material moving

0.8

1.1

1.0

    Production

0.9

1.3

1.3

    Transportation and material moving

1.0

1.4

1.2

Full time

0.5

0.6

0.6

Part time

0.5

0.6

0.6

Union

1.1

1.7

1.5

Nonunion

0.5

0.5

0.5

Average wage within the following categories:4

     

    Lowest 25 percent

0.5

0.5

0.5

        Lowest 10 percent

0.8

0.7

0.6

    Second 25 percent

0.6

0.7

0.7

    Third 25 percent

0.8

0.9

0.9

    Highest 25 percent

0.8

0.9

0.8

        Highest 10 percent

1.3

1.3

1.2

Establishment characteristics

     

Goods-producing industries

1.0

1.2

1.2

Service-providing industries

0.5

0.6

0.6

    Education and health services

1.1

1.4

1.3

        Educational services

1.5

1.5

1.5

            Elementary and secondary schools

1.2

1.6

1.7

            Junior colleges, colleges, and universities

3.8

2.4

2.4

        Healthcare and social assistance

1.5

1.2

1.1

            Hospitals

2.7

2.4

2.2

    Public administration

1.9

2.0

2.1

1 to 99 workers

0.6

0.5

0.4

    1 to 49 workers

0.6

0.4

0.4

    50 to 99 workers

1.1

1.3

1.2

100 workers or more

0.7

0.7

0.7

    100 to 499 workers

0.9

0.9

1.0

    500 workers or more

1.2

1.3

1.2

Geographic areas

     

New England

1.9

1.9

1.9

Middle Atlantic

0.7

1.6

1.3

East North Central

0.9

1.2

1.3

West North Central

1.3

1.4

1.6

South Atlantic

1.1

1.4

1.3

East South Central

2.5

2.1

2.1

West South Central

1.7

1.3

1.3

Mountain

1.5

3.0

2.9

Pacific

1.1

1.1

1.0

1Includes 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.

2A health plan that provides long-term (more than 1 year) custodial care, home care, or nursing
home care. The plan, although sponsored by the employer, may be fully paid for by the employee.

3A health plan that provides coverage to a retiree beyond what is mandated by COBRA or other
health continuation laws. The plan, although sponsored by the employer, may be fully paid for by the
employee.

4Surveyed 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 - March 2013."


NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary of Employee
Benefit Terms" at www.bls.gov/ncs/ebs/glossary20122013.htm.