Standard Errors
Health-related benefits: Access

Table 42. Standard errors for health-related benefits: Access,
private industry workers, March 2018
Characteristics Long-term
care
insurance1
Retiree healthcare
benefits2
Under age
65
Age 65 and
over
All workers
0.7
0.5
0.5
Worker characteristics
     
Management, professional, and related
1.3
1.2
1.1
    Management, business, and financial
1.7
1.6
1.4
    Professional and related
1.5
1.5
1.5
Service
1.1
0.5
0.5
    Protective service
1.4
1.1
Sales and office
0.7
0.6
0.7
    Sales and related
1.0
1.0
0.9
    Office and administrative support
0.9
0.9
0.9
Natural resources, construction, and maintenance
1.0
0.9
0.9
    Construction, extraction, farming, fishing, and
     forestry
1.1
1.2
0.9
    Installation, maintenance, and repair
1.6
1.2
1.2
Production, transportation, and material moving
1.0
1.2
1.2
    Production
1.6
1.6
1.5
    Transportation and material moving
1.4
1.9
1.9
Full time
0.7
0.5
0.5
Part time
0.7
0.6
0.6
Union
1.8
2.7
2.2
Nonunion
0.7
0.4
0.4
Average wage within the following categories:3
     
    Lowest 25 percent
0.7
0.5
0.5
        Lowest 10 percent
0.9
0.7
0.8
    Second 25 percent
0.6
0.5
0.5
    Third 25 percent
0.9
0.7
0.8
    Highest 25 percent
1.4
1.3
1.2
        Highest 10 percent
2.0
1.7
1.5
Establishment characteristics
     
Goods-producing industries
1.0
1.0
1.0
    Construction
0.8
1.1
0.8
    Manufacturing
1.3
1.5
1.2
Service-providing industries
0.8
0.5
0.5
    Trade, transportation, and utilities
0.8
1.0
1.0
        Wholesale trade
1.7
1.4
1.3
        Retail trade
0.7
0.8
0.7
        Transportation and warehousing
2.5
3.2
3.2
        Utilities
5.0
6.4
7.0
    Information
3.5
3.4
3.1
    Financial activities
1.9
1.6
1.1
        Finance and insurance
2.0
1.6
1.1
            Credit intermediation and related activities
2.6
2.4
1.8
            Insurance carriers and related activities
2.7
2.4
2.5
        Real estate and rental and leasing
2.3
1.9
    Professional and business services
1.8
1.6
1.4
        Professional and technical services
3.1
2.4
2.3
        Administrative and waste services
0.9
1.7
1.0
    Education and health services
1.8
1.4
1.4
        Educational services
2.5
2.0
4.0
            Junior colleges, colleges, and universities
2.7
2.4
2.9
        Health care and social assistance
2.1
1.6
1.4
    Leisure and hospitality
1.4
0.5
0.4
        Accommodation and food services
1.2
0.7
    Other services
1.6
1.8
1.6
1 to 99 workers
0.5
0.3
0.4
    1 to 49 workers
0.5
0.4
0.4
    50 to 99 workers
1.0
0.7
0.8
100 workers or more
1.2
0.9
0.9
    100 to 499 workers
1.2
1.0
0.9
    500 workers or more
1.7
1.6
1.5
Geographic areas
     
Northeast
1.1
0.8
0.8
    New England
1.5
1.7
1.8
    Middle Atlantic
1.4
0.9
0.9
South
1.4
0.9
0.8
    South Atlantic
1.8
1.4
1.1
    East South Central
2.1
2.3
    West South Central
1.4
1.2
1.2
Midwest
1.5
1.1
1.1
    East North Central
2.0
1.4
1.4
    West North Central
1.7
1.7
1.9
West
0.9
0.9
0.9
    Mountain
1.1
1.0
1.4
    Pacific
1.2
1.3
1.1
1A health plan that provides long-term (more than 1 year) custodial care, home care, or nursing
home care. The plan, although sponsored by the employer, may be fully paid for by the employee.
2A health plan that provides coverage to a retiree beyond what is mandated by COBRA or other
health continuation laws. The plan, although sponsored by the employer, may be fully paid for by the
employee.
3Surveyed 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 2018.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.