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Employee Benefits Survey
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Standard Errors
Medical care benefit combinations: Access

Table 45. Standard errors for medical care benefit combinations: Access, private industry workers, March 2017
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
0.9
0.5
0.5
0.8
0.8
0.5
0.1
0.8
0.6
0.8
0.1
0.8
0.9
0.6
0.5
0.8
Worker characteristics
                               
Management, professional, and related
1.6
1.0
0.4
0.9
1.4
0.9
0.2
1.1
1.5
1.3
0.1
1.0
1.6
1.1
0.4
0.8
    Management, business, and financial
1.6
1.1
0.4
0.7
1.8
1.5
0.1
0.8
2.0
2.0
–
–
1.4
1.3
0.4
0.7
    Professional and related
2.0
1.2
0.6
1.1
1.8
1.3
0.2
1.4
1.7
1.6
0.1
1.3
2.0
1.4
0.6
1.1
Service
1.9
0.8
1.4
2.3
1.4
1.1
0.4
1.7
0.7
1.4
0.1
1.7
1.7
0.9
1.4
2.3
    Protective service
5.6
–
–
5.3
4.6
–
–
3.7
–
5.2
–
4.9
5.1
2.2
4.6
5.4
Sales and office
1.3
0.7
0.7
1.2
1.2
0.8
0.1
1.3
0.7
1.3
0.2
1.3
1.3
0.8
0.6
1.2
    Sales and related
1.7
1.1
1.2
1.9
1.7
1.2
0.3
1.8
1.0
1.6
0.3
1.9
1.6
1.3
1.1
1.9
    Office and administrative support
1.8
0.8
0.7
1.5
1.6
0.9
0.2
1.7
0.8
1.7
0.2
1.7
1.8
0.8
0.7
1.6
Natural resources, construction, and maintenance
1.8
1.4
0.8
1.7
1.7
1.4
0.5
1.9
–
2.0
–
1.8
1.7
1.5
0.8
1.7
    Construction, extraction, farming, fishing, and
     forestry
2.8
2.4
1.6
3.0
2.7
2.4
1.0
3.5
–
3.3
–
3.1
2.9
2.8
1.5
3.0
    Installation, maintenance, and repair
2.4
1.9
0.6
1.9
2.0
1.6
0.2
1.9
1.7
2.4
–
1.9
2.3
1.8
0.6
1.9
Production, transportation, and material moving
1.5
1.0
0.9
1.1
1.8
1.1
0.2
1.3
1.1
1.4
0.1
1.3
1.7
1.3
0.9
1.1
    Production
2.3
1.4
0.9
2.0
2.6
1.4
0.2
2.1
1.6
2.1
–
2.1
2.3
1.5
0.9
2.0
    Transportation and material moving
1.9
1.2
1.2
1.5
2.0
1.1
0.3
1.4
1.5
1.6
0.3
1.5
2.2
2.0
1.1
1.5
Full time
0.9
0.6
0.4
0.6
0.8
0.5
0.2
0.6
0.7
0.9
[1]
0.7
0.9
0.6
0.4
0.6
Part time
1.0
0.4
1.5
1.7
0.9
0.7
0.2
1.1
0.6
0.9
0.3
1.1
1.0
0.8
1.6
1.7
Union
1.6
0.9
0.5
1.3
1.4
1.3
0.3
1.4
2.2
2.2
0.3
1.3
2.7
2.8
0.5
1.3
Nonunion
1.0
0.5
0.6
0.9
0.9
0.5
0.1
0.9
0.6
0.9
0.1
0.9
0.9
0.5
0.6
0.9
Average wage within the following categories:2
                               
    Lowest 25 percent
1.2
0.7
1.4
1.8
1.1
0.9
0.3
1.2
0.4
1.1
0.2
1.2
1.1
0.9
1.4
1.8
        Lowest 10 percent
1.9
1.2
2.5
2.7
1.5
1.5
0.5
1.9
0.5
1.8
0.3
2.0
1.7
1.3
2.5
2.7
    Second 25 percent
1.3
0.9
0.7
1.2
1.5
0.9
0.2
1.4
0.7
1.4
0.1
1.4
1.4
1.0
0.7
1.2
    Third 25 percent
1.2
0.8
0.4
0.8
1.1
0.8
0.2
0.9
0.9
1.1
0.1
0.9
1.1
0.9
0.4
0.8
    Highest 25 percent
1.2
0.8
0.4
0.6
1.1
0.9
0.2
0.7
1.6
1.5
[1]
0.7
1.4
1.1
0.4
0.6
        Highest 10 percent
1.8
1.3
0.7
0.8
2.1
1.6
0.3
0.9
2.4
2.3
–
–
1.9
1.5
0.7
0.8
Establishment characteristics
                               
Goods-producing industries
0.8
1.0
0.5
1.0
1.3
1.0
0.2
1.0
1.3
1.6
–
–
0.9
1.1
0.5
1.0
    Construction
2.2
2.1
0.9
2.2
2.0
2.2
0.4
2.5
–
2.6
–
2.4
2.0
2.3
0.9
2.2
    Manufacturing
1.5
1.3
0.4
1.1
1.5
1.2
0.2
1.2
1.8
2.2
–
1.2
1.6
1.5
0.4
1.1
Service-providing industries
1.1
0.5
0.6
1.0
0.9
0.6
0.2
1.0
0.7
0.9
0.1
1.0
1.1
0.7
0.6
1.0
    Trade, transportation, and utilities
1.0
0.5
0.7
0.8
1.1
0.9
0.2
0.8
1.0
1.1
0.3
0.9
1.2
1.1
0.7
0.8
        Wholesale trade
1.8
2.1
0.9
2.0
2.3
1.6
0.6
1.9
–
2.2
–
1.9
1.8
2.3
0.9
2.0
        Retail trade
1.0
0.7
1.0
1.1
1.4
1.2
0.4
1.2
0.9
1.5
0.6
1.3
1.1
1.1
1.0
1.1
        Transportation and warehousing
3.6
0.9
1.3
2.8
4.4
–
–
3.4
3.2
3.4
–
–
4.8
3.4
1.3
2.9
        Utilities
2.1
–
–
–
2.4
–
–
–
6.0
6.2
–
–
2.1
–
–
–
    Information
2.9
2.3
0.7
1.1
2.4
–
–
1.4
4.5
4.3
–
–
2.9
2.4
0.7
1.1
    Financial activities
1.9
1.5
0.5
1.0
1.4
0.8
0.3
1.0
2.2
2.2
0.1
1.1
1.9
1.5
0.5
1.0
        Finance and insurance
0.8
0.6
0.3
0.7
0.9
0.6
0.3
0.7
2.2
2.0
0.1
0.7
0.9
0.7
0.3
0.7
            Credit intermediation and related activities
1.0
0.9
0.4
0.7
0.8
0.8
0.3
0.7
3.1
3.2
0.1
0.8
1.1
0.8
0.4
0.7
            Insurance carriers and related activities
1.7
0.9
0.7
1.7
1.9
0.8
0.7
1.7
2.6
2.6
–
–
1.7
0.9
0.7
1.7
        Real estate and rental and leasing
5.8
5.2
2.2
3.4
4.8
–
–
3.6
2.7
4.1
–
3.4
5.6
5.2
2.2
3.4
    Professional and business services
2.9
1.6
1.4
2.3
2.2
1.3
0.5
2.1
–
2.2
–
2.1
2.7
1.6
1.4
2.3
        Professional and technical services
4.2
2.6
1.9
2.4
3.9
–
–
3.0
–
3.0
–
3.0
4.1
2.6
1.9
2.4
        Administrative and waste services
3.3
1.8
2.8
3.9
2.5
1.8
0.9
3.1
1.9
3.4
–
3.3
3.4
1.8
2.8
3.9
    Education and health services
2.7
1.2
0.8
2.2
2.5
1.3
0.2
2.4
1.8
2.0
0.2
2.4
2.5
1.4
0.8
2.1
        Educational services
4.3
1.9
1.1
3.0
3.2
–
–
2.9
–
3.0
–
2.9
4.1
2.3
1.1
3.0
            Junior colleges, colleges, and universities
2.0
1.1
0.6
1.6
2.2
–
–
1.7
1.5
1.8
–
–
1.9
1.3
0.6
1.6
        Health care and social assistance
2.9
1.2
0.9
2.4
2.9
1.4
0.2
2.7
1.9
2.4
0.2
2.7
2.7
1.5
0.9
2.3
    Leisure and hospitality
2.5
1.5
1.9
3.1
2.0
–
–
2.2
0.9
1.8
0.1
2.2
2.2
1.5
1.9
3.1
        Accommodation and food services
2.8
1.5
2.1
3.6
2.1
–
–
2.5
–
2.1
–
2.4
2.5
1.5
2.1
3.6
    Other services
3.5
2.3
2.2
3.3
3.2
–
–
3.3
–
4.0
–
3.4
3.5
2.2
2.0
3.3
1 to 99 workers
1.2
0.7
0.6
1.2
1.2
0.8
0.2
1.2
0.6
1.2
0.1
1.2
1.2
0.7
0.6
1.2
    1 to 49 workers
1.3
0.9
0.7
1.3
1.2
0.9
0.2
1.2
0.5
1.3
0.1
1.3
1.3
0.8
0.6
1.3
    50 to 99 workers
2.7
1.3
1.2
2.4
2.5
1.4
0.2
2.3
1.4
2.4
0.3
2.3
2.7
1.6
1.2
2.4
100 workers or more
1.0
0.6
0.6
0.8
0.9
0.7
0.2
0.8
0.9
1.0
0.1
0.8
1.1
0.7
0.6
0.8
    100 to 499 workers
1.5
0.8
0.7
1.0
1.3
1.0
0.2
1.1
1.1
1.3
0.2
1.1
1.5
1.0
0.7
1.0
    500 workers or more
1.6
0.7
0.6
1.4
1.5
0.9
0.4
1.4
1.7
1.9
0.1
1.5
1.7
1.0
0.6
1.4
Geographic areas
                               
Northeast
1.8
1.3
1.0
1.3
1.1
0.7
0.2
0.9
1.6
1.3
0.2
0.9
1.4
1.0
0.9
1.3
    New England
2.2
1.3
2.9
2.6
2.1
0.7
0.8
2.1
–
2.9
–
2.0
2.1
1.4
2.9
2.5
    Middle Atlantic
2.1
1.6
0.7
1.2
1.2
0.9
0.2
0.9
1.6
1.4
0.3
0.9
1.5
1.2
0.8
1.2
South
1.9
0.9
1.0
1.3
1.6
0.9
0.3
1.6
0.8
1.5
0.1
1.7
2.0
1.2
1.0
1.2
    South Atlantic
2.2
1.2
1.1
1.6
2.1
1.1
0.3
1.8
1.2
1.3
[1]
1.8
2.4
2.0
1.1
1.6
    East South Central
2.4
–
–
2.1
2.0
4.1
0.3
4.6
–
3.2
–
4.0
3.3
2.0
2.4
2.1
    West South Central
4.7
1.2
2.3
2.8
3.2
1.1
0.8
3.5
1.1
3.8
0.1
3.9
4.5
1.2
2.2
2.7
Midwest
1.7
0.5
1.1
2.3
1.9
0.8
0.2
1.9
1.3
1.5
0.1
1.9
1.4
0.9
1.2
2.4
    East North Central
1.8
0.6
1.6
2.7
1.8
1.0
0.3
2.0
1.4
1.9
0.2
2.0
1.7
1.0
1.7
2.8
    West North Central
3.7
0.8
0.5
4.4
4.6
1.2
0.2
4.2
–
2.0
–
4.0
2.5
1.9
0.6
4.5
West
1.5
1.1
0.7
1.4
1.3
1.3
0.3
1.5
1.4
2.1
0.2
1.5
1.8
1.3
0.7
1.5
    Mountain
1.7
1.8
1.3
1.8
2.3
1.9
0.2
2.0
0.7
2.1
0.2
2.0
1.7
1.9
1.3
1.8
    Pacific
2.0
1.3
0.9
1.9
1.5
1.8
0.4
1.9
2.0
2.9
0.3
2.0
2.4
1.7
0.8
2.0
1Less than 0.05.
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 2017.

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/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.