Standard Errors
Insurance benefits: Access, participation, and take-up rates

Table 17. Standard errors for insurance benefits: Access, participation, and take-up rates,1 private industry workers, 
National Compensation Survey, March 2011

Characteristics

Life insurance

Short-term disability

Long-term disability

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

Access

Participation

Take-up
rate

All workers

0.7

0.7

0.2

0.7

0.7

0.3

0.6

0.6

0.3

Worker characteristics

                 

Management, professional, and related

0.9

0.8

0.2

1.2

1.2

0.4

1.1

1.1

0.5

    Management, business, and financial

1.1

1.1

0.3

1.6

1.6

0.5

1.3

1.3

0.6

    Professional and related

1.1

1.1

0.2

1.4

1.3

0.4

1.3

1.3

0.6

Service

1.4

1.4

0.8

1.6

1.6

1.6

1.0

1.0

1.0

    Protective service

5.6

4.6

3.1

3.7

3.7

0.7

2.6

2.5

2.6

Sales and office

1.1

1.1

0.3

0.9

0.8

0.2

0.8

0.8

0.4

    Sales and related

1.3

1.3

0.6

1.1

1.1

0.4

1.0

1.0

1.1

    Office and administrative support

1.4

1.4

0.3

1.1

1.1

0.3

1.1

1.0

0.4

Natural resources, construction, and maintenance

1.4

1.4

0.6

1.4

1.4

0.4

1.2

1.2

0.5

    Construction, extraction, farming, fishing, and
     forestry

2.1

2.0

1.0

2.1

2.0

0.8

1.5

1.5

1.0

    Installation, maintenance, and repair

1.7

1.7

0.7

1.8

1.8

0.4

1.8

1.7

0.5

Production, transportation, and material moving

1.4

1.4

0.3

1.3

1.2

0.3

1.0

1.0

0.6

    Production

1.5

1.5

0.4

1.6

1.6

0.4

1.5

1.5

0.8

    Transportation and material moving

1.9

1.9

0.4

1.6

1.6

0.6

1.4

1.4

0.9

Full time

0.7

0.7

0.2

0.7

0.7

0.3

0.7

0.7

0.3

Part time

0.8

0.7

0.9

1.2

1.2

1.3

0.7

0.7

1.3

Union

1.5

1.5

0.4

1.8

1.8

0.3

1.6

1.6

0.7

Nonunion

0.7

0.7

0.2

0.7

0.7

0.3

0.6

0.6

0.3

Average wage within the following categories:2

                 

    Lowest 25 percent

1.2

1.2

0.8

1.1

1.1

1.3

0.8

0.8

1.1

        Lowest 10 percent

1.8

1.7

2.3

2.1

2.0

3.2

1.2

1.2

2.8

    Second 25 percent

1.1

1.1

0.3

1.0

1.0

0.5

0.9

0.8

0.6

    Third 25 percent

0.9

0.9

0.2

0.9

0.9

0.2

0.9

0.9

0.4

    Highest 25 percent

0.8

0.8

0.1

1.1

1.1

0.3

1.1

1.1

0.4

        Highest 10 percent

1.2

1.2

0.3

1.7

1.7

0.4

1.6

1.6

0.6

Establishment characteristics

                 

Goods-producing industries

1.0

1.0

0.3

1.2

1.2

0.2

1.2

1.2

0.5

    Construction

2.1

2.0

1.0

1.8

1.8

0.7

1.4

1.3

1.5

    Manufacturing

1.1

1.1

0.3

1.6

1.6

0.3

1.7

1.6

0.6

Service-providing industries

0.8

0.8

0.2

0.8

0.8

0.4

0.7

0.6

0.3

    Trade, transportation, and utilities

1.2

1.1

0.4

1.0

1.0

0.4

1.0

0.9

0.6

        Wholesale trade

2.3

2.3

0.5

2.2

2.2

0.4

2.3

2.2

0.6

        Retail trade

1.2

1.2

0.7

1.1

1.1

0.4

1.0

0.9

1.4

        Transportation and warehousing

2.5

2.5

0.4

2.7

2.6

1.4

2.3

2.3

1.5

        Utilities

2.2

2.2

0.1

5.1

5.1

0.1

3.3

3.3

1.2

    Information

1.9

1.9

0.3

3.0

3.0

0.6

2.5

2.6

0.6

    Financial activities

1.5

1.5

0.3

1.6

1.7

0.3

1.6

1.6

0.3

        Finance and insurance

0.9

0.9

0.2

1.3

1.3

0.4

1.4

1.4

0.3

            Credit intermediation and related activities

1.2

1.1

0.2

1.9

1.9

0.3

1.8

1.8

0.3

            Insurance carriers and related activities

1.9

1.9

0.3

2.4

2.4

0.7

2.0

2.1

0.7

        Real estate and rental and leasing

4.1

4.1

1.9

5.2

5.2

0.5

4.0

3.9

1.1

    Professional and business services

1.8

1.8

0.4

2.0

2.0

0.7

1.8

1.8

0.8

        Professional and technical services

2.3

2.4

0.4

3.2

3.2

1.2

2.7

2.8

1.1

        Administrative and waste services

2.7

2.6

1.2

2.4

2.3

0.7

2.3

2.2

1.8

    Education and health services

1.5

1.4

0.4

1.5

1.5

0.8

1.5

1.4

0.7

        Educational services

2.2

2.2

0.4

1.9

1.9

0.3

2.2

2.2

1.1

            Junior colleges, colleges, and universities

1.0

1.1

0.3

2.2

2.2

0.3

1.2

1.3

0.4

        Health care and social assistance

1.6

1.6

0.5

1.8

1.8

0.9

1.7

1.7

0.9

    Leisure and hospitality

3.1

3.0

2.0

2.5

2.3

2.6

2.2

2.2

0.8

        Accommodation and food services

3.3

3.2

2.4

2.8

2.7

3.0

2.5

2.5

0.7

    Other services

3.1

3.1

2.1

3.4

3.4

1.5

3.9

4.0

3.8

1 to 99 workers

0.8

0.8

0.4

1.0

0.9

0.6

0.7

0.7

0.5

    1 to 49 workers

0.9

0.9

0.6

0.8

0.8

0.8

0.7

0.7

0.7

    50 to 99 workers

1.8

1.8

0.5

2.2

2.1

0.5

1.7

1.7

0.6

100 workers or more

0.8

0.9

0.2

1.2

1.2

0.2

0.9

0.9

0.4

    100 to 499 workers

1.3

1.3

0.4

1.3

1.3

0.3

1.2

1.2

0.6

    500 workers or more

1.0

1.0

0.2

1.5

1.5

0.4

1.4

1.4

0.5

Geographic areas

                 

New England

1.8

1.6

0.4

1.6

1.5

0.2

2.1

2.3

1.6

Middle Atlantic

2.9

3.0

0.3

3.0

3.0

0.1

2.1

2.1

0.6

East North Central

1.2

1.2

0.4

1.5

1.4

0.8

1.5

1.4

0.9

West North Central

1.9

2.0

0.7

1.9

1.8

0.9

2.4

2.3

0.6

South Atlantic

1.6

1.5

0.3

1.5

1.3

0.8

1.2

1.2

0.6

East South Central

3.9

3.8

0.7

3.7

3.3

1.7

3.3

3.3

0.4

West South Central

1.5

1.7

1.0

1.6

1.7

1.9

1.9

2.0

1.1

Mountain

2.6

2.5

0.8

2.0

2.0

0.4

2.8

2.5

1.4

Pacific

1.6

1.6

0.3

1.2

1.2

0.5

1.3

1.3

0.8

1The 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.


NOTE: For definitions of major plans, key provisions, and related terms, see the "Glossary
of Employee Benefit Terms" at www.bls.gov/ncs/ebs/glossary20102011.htm.

2The categories are based on the average wage for each occupation surveyed, which
may include workers with earnings both above and below the threshold. The average wages
are based on the estimates published in the "National Compensation Survey: Occupational
Earnings in the United States, 2010." See Technical Note for more details.