Table 37. Standard errors for health-related benefits: Access,
civilian workers,1 National Compensation Survey, March 2009

Characteristics

Long-term
care
insurance2

Retiree health care
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

1.5

1.7

    Professional and related

0.9

1.1

1.1

        Teachers

1.3

1.6

1.5

            Primary, secondary, and special education
             school teachers

1.6

1.8

1.8

        Registered nurses

1.5

1.9

1.8

Service

0.5

0.6

0.6

    Protective service

1.7

2.8

2.6

Sales and office

0.6

0.6

0.6

    Sales and related

0.9

1.0

0.9

    Office and administrative support

0.6

0.7

0.7

Natural resources, construction, and maintenance

0.7

0.8

0.8

    Construction, extraction, farming, fishing, and
     forestry

0.9

1.1

1.1

    Installation, maintenance, and repair

1.3

1.3

1.2

Production, transportation, and material moving

0.7

0.7

0.7

    Production

0.8

0.9

0.9

    Transportation and material moving

1.0

1.0

1.0

Full time

0.5

0.6

0.6

Part time

0.5

0.5

0.5

Union

1.0

1.1

1.2

Nonunion

0.4

0.5

0.5

Wage percentiles:4

    Lowest 10 percent

0.6

0.5

0.4

    Lowest 25 percent

0.5

0.4

0.4

    Second 25 percent

0.5

0.7

0.6

    Third 25 percent

0.7

0.8

0.8

    Highest 25 percent

0.7

0.9

0.8

    Highest 10 percent

1.1

1.2

1.2

Establishment characteristics

Goods-producing industries

0.8

0.9

0.7

Service-providing industries

0.5

0.6

0.5

    Education and health services

0.9

1.1

1.0

        Educational services

1.7

1.4

1.4

            Elementary and secondary schools

1.5

1.5

1.5

            Junior colleges, colleges, and universities

4.1

2.8

2.8

        Health care and social assistance

0.9

1.2

1.0

            Hospitals

2.0

2.1

1.9

    Public administration

1.5

2.0

1.9

1 to 99 workers

0.3

0.4

0.3

    1 to 49 workers

0.4

0.4

0.3

    50 to 99 workers

0.7

0.8

0.8

100 workers or more

0.7

0.9

0.9

    100 to 499 workers

0.7

0.9

0.9

    500 workers or more

1.3

1.8

1.7

Geographic areas

New England

1.3

1.6

1.4

Middle Atlantic

0.9

1.3

1.4

East North Central

0.7

0.9

0.8

West North Central

2.0

1.9

2.1

South Atlantic

1.1

1.4

1.3

East South Central

3.7

3.7

3.7

West South Central

0.9

1.7

1.2

Mountain

0.7

1.6

1.7

Pacific

0.8

1.2

1.1

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.

3A health plan that provides coverage to a retiree beyond what is mandated by COBRA or other
health continuation laws.

4The 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, 2008." See Technical Note for more details.