Life insurance plans: Method of benefit payment Data Table

Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2009

(All workers with basic life insurance coverage = 100 percent)

Characteristics

Basic life insurance method of payment

Fixed
multiple of
earnings

Variable
multiple of
earnings

Flat dollar
amount

Variable
dollar
amount

Other

All workers

54

2

40

3

1

Worker characteristics

         

Management, professional, and related

60

3

33

2

1

    Management, business, and financial

67

4

26

2

2

    Professional and related

57

3

36

3

1

        Teachers

37

2

55

5

1

            Primary, secondary, and special education
             school teachers

32

1

61

5

1

        Registered nurses

66

2

30

2

Service

46

1

47

5

1

    Protective service

36

2

55

5

2

Sales and office

62

2

33

2

1

    Sales and related

61

1

36

1

1

    Office and administrative support

62

2

32

2

1

Natural resources, construction, and maintenance

36

1

57

4

1

    Construction, extraction, farming, fishing, and
     forestry

21

72

4

    Installation, maintenance, and repair

49

1

45

4

1

Production, transportation, and material moving

43

1

49

5

1

    Production

42

1

50

5

1

    Transportation and material moving

45

48

5

2

Full time

54

2

39

3

1

Part time

47

1

48

2

2

Union

36

1

55

8

1

Nonunion

59

2

35

2

1

Wage percentiles:2

         

    Lowest 10 percent

45

46

8

    Lowest 25 percent

48

1

47

4

[3]

    Second 25 percent

51

2

43

3

1

    Third 25 percent

53

2

41

3

1

    Highest 25 percent

58

3

33

3

2

    Highest 10 percent

60

4

33

2

2

Establishment characteristics

         

Goods-producing industries

43

2

50

4

1

Service-providing industries

56

2

37

3

1

    Education and health services

50

2

43

4

1

        Educational services

39

2

53

5

1

            Elementary and secondary schools

31

1

62

5

1

            Junior colleges, colleges, and universities

55

5

33

4

3

        Health care and social assistance

61

2

34

3

1

            Hospitals

76

3

18

2

    Public administration

39

3

49

7

2

1 to 99 workers

44

1

51

2

1

    1 to 49 workers

44

1

51

2

1

    50 to 99 workers

45

1

52

2

100 workers or more

58

3

34

4

1

    100 to 499 workers

58

2

37

2

1

    500 workers or more

59

3

32

5

1

Geographic areas

         

New England

60

4

32

3

Middle Atlantic

57

2

35

5

1

East North Central

50

2

43

4

[3]

West North Central

52

3

43

2

1

South Atlantic

61

2

32

3

2

East South Central

55

36

5

West South Central

53

2

42

1

2

Mountain

49

2

47

Pacific

47

2

47

2

1

Footnotes:

1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except
the federal government. See Technical Note for further explanation.

2The percentile groupings are based on the average wage for each occupation surveyed, which may include workers both above
and below the threshold. The percentile values are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2008." See Technical Note for more details.

3Less than 0.5 percent.

NOTE: Because of rounding, sums of individual items may not equal totals. 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/glossary20082009.htm.