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

Table 16. Standard errors for insurance benefits: Access, participation, and take-up rates,1 State and local government
workers, National Compensation Survey, March 2015

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

1.2

1.1

0.4

1.2

1.1

0.7

1.7

1.7

0.8

Worker characteristics

                  

Management, professional, and related

1.3

1.3

0.4

1.3

1.2

1.0

1.8

1.8

0.9

    Professional and related

1.4

1.3

0.5

1.2

1.2

0.9

1.9

1.8

0.9

        Teachers

1.6

1.5

0.5

1.5

1.5

1.3

2.3

2.1

1.0

            Primary, secondary, and special education
             school teachers

1.8

1.8

0.4

1.9

1.8

1.3

2.5

2.4

1.0

Service

1.7

1.7

0.5

1.8

1.8

0.8

1.7

1.6

1.2

    Protective service

1.7

1.7

0.4

2.7

2.6

0.8

2.2

2.1

0.9

Sales and office

2.3

2.2

0.4

2.1

2.1

0.7

2.9

2.8

0.7

    Office and administrative support

2.4

2.3

0.5

2.1

2.0

0.8

2.9

2.9

0.7

Natural resources, construction, and maintenance

2.2

2.1

0.3

2.9

2.9

0.3

3.7

3.8

0.8

Production, transportation, and material moving

4.7

4.6

0.9

2.7

2.7

1.6

3.8

3.5

4.7

Full time

1.1

1.1

0.4

1.3

1.2

0.7

2.0

1.9

0.7

Part time

2.0

1.9

1.6

2.0

2.0

1.2

1.3

1.2

3.3

Union

1.6

1.5

0.4

1.4

1.4

0.6

1.6

1.6

0.9

Nonunion

1.7

1.6

0.6

1.6

1.5

1.2

2.3

2.2

1.0

Average wage within the following categories:2

                  

    Lowest 25 percent

1.9

1.8

0.5

1.6

1.6

0.8

2.5

2.4

1.3

        Lowest 10 percent

3.0

2.8

1.2

1.9

1.9

0.7

3.2

3.1

0.6

    Second 25 percent

1.5

1.5

0.6

1.5

1.4

1.6

2.7

2.6

1.4

    Third 25 percent

1.8

1.8

0.4

1.7

1.7

1.0

2.1

2.1

1.2

    Highest 25 percent

1.2

1.2

0.5

1.3

1.3

0.6

1.8

1.7

0.6

        Highest 10 percent

1.4

1.6

1.0

2.3

2.2

0.8

2.7

2.7

0.8

Establishment characteristics

                  

Service-providing industries

1.1

1.1

0.4

1.2

1.1

0.7

1.7

1.7

0.8

    Education and health services

1.3

1.3

0.5

1.3

1.3

0.9

2.2

2.1

0.9

        Educational services

1.3

1.3

0.6

1.5

1.5

1.1

2.2

2.1

1.0

            Elementary and secondary schools

1.7

1.6

0.4

1.7

1.6

1.1

2.1

2.0

1.2

            Junior colleges, colleges, and universities

2.4

2.5

2.0

2.6

2.4

2.4

5.1

4.9

1.8

        Health care and social assistance

3.7

3.6

1.0

3.1

3.1

0.8

4.8

4.7

2.3

            Hospitals

1.9

2.3

1.1

4.2

4.1

1.0

6.7

6.7

0.9

    Public administration

2.0

2.0

0.3

1.9

1.8

1.2

1.8

1.7

1.2

1 to 99 workers

4.0

4.0

0.8

3.0

2.8

3.3

4.9

4.7

2.6

    1 to 49 workers

5.0

5.0

0.9

4.0

3.7

5.4

5.6

5.2

4.2

    50 to 99 workers

7.8

7.6

1.4

4.7

4.7

1.5

5.5

5.3

2.8

100 workers or more

1.1

1.1

0.4

1.2

1.1

0.6

1.7

1.6

0.7

    100 to 499 workers

2.4

2.4

0.4

2.2

2.0

1.6

2.5

2.4

0.8

    500 workers or more

1.1

1.1

0.5

1.3

1.3

0.6

1.9

1.9

0.9

State government

2.4

2.4

1.0

2.7

2.5

1.6

3.7

3.5

1.8

Local government

1.2

1.1

0.3

1.1

1.1

0.6

1.6

1.6

0.8

Geographic areas

                  

Northeast

1.6

1.5

0.7

2.2

2.2

0.4

1.6

1.6

1.4

    New England

3.1

1.8

2.8

2.2

2.2

0.0

3.8

3.9

5.4

    Middle Atlantic

2.0

2.0

0.2

2.9

2.9

0.4

1.7

1.6

0.8

South

2.2

2.1

0.8

2.2

2.0

2.0

2.9

2.7

1.9

    South Atlantic

3.3

3.2

0.4

3.7

3.3

2.5

4.8

4.5

2.3

    East South Central

6.0

5.2

3.2

–

–

–

5.6

5.4

6.9

    West South Central

3.3

3.3

0.4

2.7

2.7

0.4

2.8

2.9

1.8

Midwest

1.7

1.8

0.8

1.7

1.7

1.3

3.8

3.9

1.1

    East North Central

2.4

2.6

1.3

1.7

1.7

1.6

3.2

3.2

1.7

    West North Central

2.2

2.2

0.2

3.0

2.9

2.0

7.8

8.0

0.7

West

3.0

2.9

0.4

2.4

2.4

0.5

3.3

3.2

0.7

    Mountain

5.4

4.8

0.8

5.5

5.5

2.1

8.1

8.2

1.7

    Pacific

3.7

3.5

0.4

2.5

2.6

0.2

1.7

1.6

0.7

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.

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 wage data for March 2015.


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/glossary20142015.htm.