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Standard Errors
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Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 State and local government | |||||||||||||||||||||||||||||
Characteristics |
Life insurance |
Short-term disability |
Long-term disability |
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Access |
Participation |
Take-up |
Access |
Participation |
Take-up |
Access |
Participation |
Take-up |
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All workers |
1.2 |
1.2 |
0.4 |
1.1 |
1.1 |
0.4 |
1.7 |
1.7 |
0.8 |
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Worker characteristics |
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Management, professional, and related |
1.3 |
1.3 |
0.4 |
1.2 |
1.2 |
0.5 |
1.8 |
1.8 |
0.8 |
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Professional and related |
1.4 |
1.4 |
0.5 |
1.2 |
1.1 |
0.7 |
1.9 |
1.8 |
0.9 |
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Teachers |
1.6 |
1.5 |
0.5 |
1.4 |
1.4 |
1.0 |
2.3 |
2.2 |
1.0 |
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Primary, secondary, and special education |
1.8 |
1.8 |
0.4 |
1.8 |
1.7 |
1.3 |
2.6 |
2.6 |
1.0 |
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Service |
1.7 |
1.7 |
0.5 |
1.6 |
1.6 |
0.6 |
1.6 |
1.6 |
1.4 |
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Protective service |
1.6 |
1.6 |
0.4 |
2.7 |
2.7 |
0.9 |
2.2 |
2.2 |
1.5 |
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Sales and office |
2.4 |
2.3 |
0.4 |
2.2 |
2.2 |
0.2 |
2.8 |
2.8 |
0.6 |
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Office and administrative support |
2.4 |
2.4 |
0.4 |
2.1 |
2.1 |
0.3 |
2.8 |
2.8 |
0.7 |
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Natural resources, construction, and maintenance |
2.1 |
2.0 |
0.4 |
2.9 |
2.9 |
0.3 |
3.7 |
3.7 |
0.6 |
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Production, transportation, and material moving |
4.7 |
4.6 |
0.6 |
2.2 |
2.2 |
1.0 |
3.7 |
3.5 |
2.1 |
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Full time |
1.2 |
1.2 |
0.4 |
1.2 |
1.2 |
0.4 |
2.0 |
2.0 |
0.8 |
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Part time |
1.4 |
1.3 |
1.7 |
1.4 |
1.4 |
0.4 |
1.2 |
1.1 |
2.0 |
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Union |
1.7 |
1.7 |
0.4 |
1.3 |
1.3 |
0.6 |
1.7 |
1.6 |
0.9 |
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Nonunion |
1.6 |
1.5 |
0.6 |
1.5 |
1.5 |
0.3 |
2.3 |
2.3 |
0.9 |
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Average wage within the following categories:2 |
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Lowest 25 percent |
1.7 |
1.6 |
0.5 |
1.6 |
1.6 |
0.4 |
2.5 |
2.5 |
1.2 |
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Lowest 10 percent |
2.8 |
2.5 |
1.1 |
1.8 |
1.8 |
0.3 |
3.0 |
2.9 |
0.7 |
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Second 25 percent |
1.6 |
1.5 |
0.6 |
1.7 |
1.7 |
0.5 |
2.8 |
2.8 |
0.9 |
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Third 25 percent |
1.8 |
1.8 |
0.4 |
1.6 |
1.6 |
1.0 |
2.0 |
2.0 |
1.2 |
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Highest 25 percent |
1.3 |
1.3 |
0.4 |
1.1 |
1.1 |
0.3 |
1.7 |
1.7 |
0.8 |
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Highest 10 percent |
1.2 |
1.4 |
0.8 |
1.6 |
1.6 |
0.2 |
2.5 |
2.5 |
0.8 |
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Establishment characteristics |
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Service-providing industries |
1.2 |
1.1 |
0.4 |
1.1 |
1.1 |
0.4 |
1.7 |
1.8 |
0.8 |
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Education and health services |
1.3 |
1.2 |
0.5 |
1.2 |
1.2 |
0.7 |
2.2 |
2.2 |
1.0 |
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Educational services |
1.3 |
1.3 |
0.6 |
1.4 |
1.4 |
0.8 |
2.2 |
2.2 |
1.1 |
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Elementary and secondary schools |
1.7 |
1.6 |
0.3 |
1.6 |
1.6 |
1.0 |
2.2 |
2.2 |
1.2 |
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Junior colleges, colleges, and universities |
2.2 |
2.3 |
2.0 |
2.5 |
2.4 |
0.9 |
5.1 |
4.9 |
1.8 |
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Healthcare and social assistance |
3.8 |
3.7 |
0.8 |
2.9 |
2.8 |
1.0 |
4.5 |
4.5 |
1.3 |
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Hospitals |
1.8 |
2.1 |
1.1 |
3.9 |
3.8 |
1.4 |
5.8 |
5.8 |
0.8 |
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Public administration |
2.0 |
2.0 |
0.4 |
1.9 |
1.9 |
0.4 |
1.8 |
1.7 |
0.8 |
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1 to 99 workers |
3.7 |
3.7 |
0.8 |
3.0 |
3.0 |
0.8 |
4.6 |
4.6 |
1.1 |
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1 to 49 workers |
5.0 |
5.0 |
1.1 |
3.8 |
3.8 |
1.2 |
4.8 |
4.8 |
1.6 |
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50 to 99 workers |
8.0 |
7.9 |
1.0 |
4.7 |
4.7 |
0.0 |
5.9 |
5.9 |
1.3 |
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100 workers or more |
1.1 |
1.1 |
0.4 |
1.1 |
1.1 |
0.4 |
1.7 |
1.7 |
0.8 |
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100 to 499 workers |
2.2 |
2.2 |
0.4 |
1.9 |
1.9 |
0.7 |
2.6 |
2.6 |
0.6 |
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500 workers or more |
1.1 |
1.1 |
0.5 |
1.3 |
1.3 |
0.5 |
1.9 |
1.9 |
1.0 |
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State government |
2.5 |
2.5 |
1.0 |
2.7 |
2.6 |
0.4 |
3.6 |
3.5 |
1.2 |
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Local government |
1.2 |
1.2 |
0.3 |
1.1 |
1.0 |
0.5 |
1.7 |
1.7 |
0.8 |
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Geographic areas |
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New England |
3.4 |
2.4 |
2.5 |
2.2 |
2.2 |
0.0 |
4.7 |
4.6 |
2.7 |
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Middle Atlantic |
1.9 |
1.9 |
0.2 |
2.8 |
2.8 |
0.2 |
1.9 |
1.8 |
0.7 |
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East North Central |
2.2 |
2.4 |
1.5 |
1.8 |
1.7 |
0.9 |
3.2 |
3.1 |
1.5 |
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West North Central |
2.8 |
3.0 |
0.4 |
3.4 |
3.4 |
0.0 |
8.0 |
8.5 |
1.9 |
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South Atlantic |
3.1 |
3.2 |
0.3 |
3.5 |
3.4 |
1.6 |
4.7 |
4.6 |
2.0 |
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East South Central |
6.7 |
6.0 |
3.1 |
– |
– |
– |
6.0 |
– |
– |
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West South Central |
2.9 |
2.9 |
0.4 |
2.4 |
2.4 |
0.0 |
2.8 |
2.8 |
1.7 |
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Mountain |
5.5 |
4.9 |
0.8 |
3.3 |
3.3 |
[3] |
9.0 |
9.9 |
3.2 |
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Pacific |
3.8 |
3.7 |
0.4 |
2.4 |
2.3 |
0.3 |
1.7 |
1.6 |
0.6 |
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