Standard Errors
Medical care benefit combinations: Access

Table 45. Standard errors for medical care benefit combinations: Access, private industry workers,  National Compensation Survey, March 2013

Characteristics

Medical care and retirement benefits

Medical care and life insurance benefits

Medical care benefits and defined benefit
retirement

Medical care benefits and defined contribution
retirement

Medical
care and
retirement
benefits

Medical
care and no
retirement
benefits

Retirement
benefits
and no
medical
care
benefits

No medical
care and no
retirement
benefits

Medical
care and
life
insurance
benefits

Medical
care and no
life
insurance
benefits

Life
insurance
and no
medical
care
benefits

No medical
care and no
life
insurance
benefits

Medical
care
benefits
and defined
benefit
retirement

Medical
care
benefits
and no
defined
benefit
retirement

Defined
benefit
retirement
and no
medical
care
benefits

No medical
care
benefits
and no
defined
benefit
retirement

Medical
care
benefits
and defined
contribution
retirement

Medical
care
benefits
and no
defined
contribution
retirement

Defined
contribution
retirement
and no
medical
care
benefits

No medical
care
benefits
and no
defined
contribution
retirement

All workers

0.8

0.4

0.3

0.9

1.0

0.6

0.1

0.9

0.6

0.8

0.1

0.9

0.7

0.5

0.3

0.9

Worker characteristics

                                

Management, professional, and related

1.1

1.0

0.6

0.7

1.1

0.8

0.2

0.8

1.0

1.3

0.1

0.8

1.2

1.0

0.6

0.7

    Management, business, and financial

1.3

1.3

0.4

0.7

1.1

0.7

0.1

0.8

1.3

1.4

–

–

1.4

1.3

0.4

0.7

    Professional and related

1.3

1.1

0.8

0.9

1.4

1.1

0.3

1.1

1.3

1.7

0.1

1.2

1.4

1.2

0.8

0.9

Service

1.5

0.9

0.9

1.8

1.4

1.4

0.5

1.7

0.7

1.5

0.1

1.7

1.4

1.2

0.9

1.8

    Protective service

4.9

1.8

5.8

5.2

5.0

–

–

5.2

–

4.8

–

4.9

4.9

2.1

5.7

5.4

Sales and office

1.0

0.5

0.6

0.8

1.0

0.7

0.2

0.9

0.6

0.9

0.2

0.8

1.0

0.6

0.5

0.8

    Sales and related

1.3

0.7

0.9

1.1

1.2

0.9

0.3

1.1

0.6

1.1

0.2

1.1

1.2

0.8

0.9

1.1

    Office and administrative support

1.4

0.7

0.6

1.1

1.3

0.8

0.2

1.1

0.9

1.4

0.3

1.1

1.3

0.8

0.6

1.1

Natural resources, construction, and maintenance

1.9

1.1

0.7

1.6

2.0

1.7

0.6

1.6

1.6

1.7

–

–

1.9

1.3

0.7

1.6

    Construction, extraction, farming, fishing, and
     forestry

3.2

2.0

1.3

3.2

3.3

–

–

3.1

–

2.7

–

3.1

3.1

2.2

1.3

3.2

    Installation, maintenance, and repair

2.4

1.5

0.5

1.8

2.8

2.6

–

–

2.1

2.3

–

–

2.4

1.7

0.5

1.8

Production, transportation, and material moving

1.8

1.0

0.5

1.9

2.1

0.8

0.2

1.9

1.2

1.8

0.1

2.0

1.7

1.3

0.5

1.9

    Production

1.8

1.2

0.4

1.6

2.3

1.2

0.3

1.6

1.5

2.0

–

–

1.9

1.4

0.4

1.6

    Transportation and material moving

2.4

1.3

0.9

2.6

2.4

1.0

0.3

2.6

1.6

2.2

0.3

2.6

2.1

1.9

0.9

2.6

Full time

0.7

0.5

0.3

0.6

1.0

0.7

0.2

0.7

0.7

0.9

[1]

0.7

0.8

0.6

0.3

0.6

Part time

1.1

0.7

1.1

1.7

0.8

0.8

0.3

1.3

0.5

1.0

0.3

1.2

0.9

0.8

1.0

1.7

Union

1.0

0.7

0.6

0.5

1.5

1.2

0.2

0.8

1.8

1.7

0.1

0.8

1.7

1.8

0.6

0.5

Nonunion

0.8

0.4

0.4

0.9

1.0

0.7

0.2

0.9

0.5

0.9

0.1

0.9

0.8

0.5

0.4

0.9

Average wage within the following categories:2

                                

    Lowest 25 percent

1.1

0.8

0.8

1.5

1.1

0.9

0.3

1.3

0.5

1.2

0.2

1.3

1.1

0.9

0.8

1.5

        Lowest 10 percent

1.3

1.1

1.4

2.2

1.2

1.1

0.6

1.7

0.4

1.4

0.5

1.6

1.2

1.2

1.3

2.2

    Second 25 percent

1.1

0.7

0.6

0.9

1.5

1.2

0.2

1.0

0.7

1.2

0.1

1.0

1.2

0.8

0.5

0.9

    Third 25 percent

1.0

0.6

0.3

0.9

1.0

0.9

0.2

0.9

0.9

1.2

[1]

0.9

1.0

0.8

0.4

0.9

    Highest 25 percent

0.9

0.8

0.4

0.6

0.9

0.7

0.2

0.6

1.1

1.2

0.1

0.5

1.0

0.9

0.4

0.6

        Highest 10 percent

1.2

1.2

0.4

0.6

0.9

0.7

0.4

0.5

1.4

1.4

0.1

0.6

1.3

1.3

0.4

0.6

Establishment characteristics

                                

Goods-producing industries

1.2

1.0

0.4

0.9

1.3

1.0

0.2

0.9

1.2

1.4

0.1

0.9

1.4

1.3

0.4

0.9

    Construction

2.3

1.8

1.2

2.5

2.9

–

–

2.4

–

2.2

–

2.4

2.2

1.7

1.2

2.5

    Manufacturing

1.4

1.2

0.3

0.8

1.6

1.2

0.1

0.8

1.7

1.8

0.1

0.9

1.6

1.5

0.3

0.8

Service-providing industries

0.9

0.4

0.4

1.0

1.0

0.6

0.2

1.0

0.6

0.9

0.1

1.0

0.8

0.6

0.4

1.0

    Trade, transportation, and utilities

1.4

0.6

0.6

1.1

1.4

0.7

0.2

1.3

0.8

1.1

0.3

1.2

1.2

0.8

0.6

1.2

        Wholesale trade

2.8

2.1

0.7

1.4

2.2

1.6

0.4

1.5

–

2.1

–

1.5

2.8

2.2

0.7

1.4

        Retail trade

1.3

0.8

0.9

1.2

1.4

1.2

0.2

1.4

0.9

1.2

0.5

1.3

1.2

1.1

0.9

1.3

        Transportation and warehousing

2.9

2.0

0.9

2.9

3.1

–

–

3.0

2.9

3.8

–

–

3.1

2.6

0.9

2.9

        Utilities

1.2

–

–

–

2.2

1.9

–

–

5.6

5.7

–

–

2.1

1.8

–

–

    Information

2.3

1.7

0.7

1.5

2.1

1.4

0.2

1.5

3.4

3.4

–

–

2.4

1.8

0.7

1.5

    Financial activities

1.6

1.1

0.5

1.3

1.7

0.9

0.5

1.4

1.7

1.7

0.1

1.4

1.6

1.1

0.5

1.3

        Finance and insurance

1.1

0.6

0.5

0.6

1.1

0.6

0.6

0.8

1.7

1.6

0.2

0.8

1.1

0.7

0.5

0.6

            Credit intermediation and related activities

1.4

0.6

1.1

0.7

1.6

–

–

0.7

2.6

2.4

–

–

1.5

0.7

1.1

0.7

            Insurance carriers and related activities

2.0

1.0

0.8

1.3

1.9

0.9

0.4

1.6

3.1

3.0

–

–

2.1

1.1

0.8

1.3

        Real estate and rental and leasing

5.1

3.9

1.4

4.6

5.1

–

–

4.6

–

5.0

–

4.7

4.6

4.0

1.4

4.6

    Professional and business services

2.1

1.5

0.8

2.0

2.6

2.0

0.5

2.1

–

2.3

–

2.1

2.0

1.4

0.8

2.0

        Professional and technical services

2.3

2.1

0.9

1.8

2.8

–

–

2.0

2.0

2.5

–

2.1

2.2

2.0

0.9

1.8

        Administrative and waste services

3.6

2.2

1.6

3.4

3.5

3.8

1.1

3.4

–

3.9

–

3.5

3.6

2.1

1.6

3.4

    Education and health services

2.2

1.4

0.9

2.0

2.2

1.8

0.5

1.9

1.7

1.7

0.1

1.9

2.0

1.8

0.9

2.0

        Educational services

3.2

1.9

0.6

3.2

2.9

–

–

2.8

–

2.9

–

3.0

3.3

2.3

0.5

3.1

            Junior colleges, colleges, and universities

1.2

1.1

0.5

1.0

1.3

0.9

0.2

1.0

0.9

1.5

–

–

1.3

1.2

0.5

1.0

        Healthcare and social assistance

2.5

1.7

1.0

2.2

2.6

2.1

0.5

2.1

2.0

2.0

0.1

2.1

2.4

2.1

1.0

2.2

    Leisure and hospitality

2.2

1.4

1.2

2.7

2.2

1.8

0.4

2.6

–

2.3

–

2.5

1.9

1.6

1.2

2.7

        Accommodation and food services

2.4

1.5

1.3

3.1

2.4

–

–

2.9

–

2.4

–

2.7

2.0

1.8

1.3

3.1

    Other services

3.5

1.9

1.8

3.8

3.3

2.7

0.7

3.8

–

4.1

–

3.7

3.7

2.1

1.7

3.8

1 to 99 workers

1.0

0.6

0.6

1.1

1.1

1.0

0.2

1.1

0.4

1.0

0.1

1.1

1.0

0.8

0.6

1.1

    1 to 49 workers

1.1

0.8

0.7

1.2

1.3

1.2

0.1

1.2

0.5

1.2

0.1

1.3

1.0

0.9

0.7

1.2

    50 to 99 workers

2.4

1.3

1.0

2.1

2.6

1.7

0.5

2.2

–

2.2

–

2.1

2.3

1.4

0.9

2.2

100 workers or more

0.9

0.5

0.4

0.8

0.9

0.6

0.3

0.8

1.0

1.0

0.1

0.7

0.9

0.7

0.4

0.8

    100 to 499 workers

1.4

0.8

0.7

1.1

1.4

0.9

0.5

1.2

1.1

1.3

0.2

1.2

1.3

1.0

0.7

1.1

    500 workers or more

1.3

0.6

0.4

1.1

1.2

0.6

0.2

1.0

1.9

1.9

0.1

1.1

1.4

1.0

0.3

1.1

Geographic areas

                                

New England

3.2

1.8

0.6

4.9

3.9

1.7

0.3

4.4

–

2.0

–

4.3

3.0

2.0

0.8

5.1

Middle Atlantic

2.2

0.8

0.8

3.0

3.4

1.3

0.2

3.0

1.8

1.5

0.2

2.9

1.6

1.9

0.8

3.0

East North Central

1.8

0.8

1.2

1.6

2.1

1.1

0.4

1.8

1.7

2.1

0.3

1.9

2.0

1.1

1.2

1.5

West North Central

2.2

1.5

1.8

2.0

3.6

3.7

0.3

2.4

–

3.1

–

2.7

2.2

1.7

1.7

1.9

South Atlantic

2.2

0.9

0.5

2.4

2.7

1.7

0.3

2.3

0.9

2.4

0.1

2.4

2.0

1.1

0.5

2.4

East South Central

3.2

1.3

1.2

3.3

5.1

–

–

3.1

–

4.5

–

3.5

3.5

1.9

1.2

3.4

West South Central

2.3

1.4

0.8

1.9

1.7

0.9

0.6

1.9

–

1.9

–

1.8

2.3

1.4

0.8

1.9

Mountain

1.6

1.1

1.8

1.4

2.6

1.7

0.6

1.8

–

1.8

–

1.7

1.7

1.3

1.9

1.4

Pacific

2.1

1.0

0.8

2.5

1.8

1.2

0.5

2.3

1.6

1.8

0.1

2.2

2.0

1.4

0.7

2.4

1Less than 0.05.


NOTE: Dash indicates no workers in this category or data did not meet publication criteria. 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.

2Surveyed 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."