Table 3.

The association of explanatory factors with perceived economic benefits (analysis of covariance, n=4495).

Variable	Model A		Model B			Model C
	F score (df)	P value		F score (df)	P value		F score (df)	P value
Gender	0.90 (1)	.34		0.95 (1)	.33		0.05 (1)	.82
Age	17.37 (1)	<.001		0.54 (1)	.46		2.10 (1)	.15
Urbanization	4.13 (2)	.02		3.74 (2)	.02		2.57 (2)	.08
Self-rated health	51.42 (1)	<.001		11.65 (1)	.001		8.07 (1)	.005
Education	—	—		7.67 (2)	<.001		1.93 (2)	.15
Financial hardship	—	—		9.85 (1)	.002		9.64 (1)	.002
Labor market position	—	—		2.00 (5)	.08		0.87 (5)	.50
Living alone	—	—		1.01 (1)	.32		0.04 (1)	.84
Voting	—	—		0.07 (1)	.79		2.21 (1)	.14
Relationships	—	—		0.59 (1)	.44		0.48 (1)	.49
Keeping in touch	—	—		15.39 (1)	<.001		6.84 (1)	.009
Access	—	—		—	—		58.32 (1)	<.001
Skills	—	—		—	—		93.14 (1)	<.001
Extent of use	—	—		—	—		54.10 (1)	<.001