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Employee Benefits Survey
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Life insurance plans: Method of benefit payment

Table 19. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2011

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

Characteristics

Basic life insurance method of payment

Fixed
multiple of
annual
earnings

Variable
multiple of
annual
earnings

Flat dollar
amount

Variable
dollar
amount

Other

All workers

39

2

52

6

1

Worker characteristics

         

Management, professional, and related

37

2

54

5

1

    Professional and related

37

2

55

6

1

        Teachers

32

1

60

6

1

            Primary, secondary, and special education
             school teachers

29

1

63

6

1

Service

41

2

49

7

2

    Protective service

41

3

48

6

2

Sales and office

41

2

50

7

1

    Office and administrative support

41

2

50

6

1

Natural resources, construction, and maintenance

41

51

5

Production, transportation, and material moving

35

2

51

Full time

39

2

52

6

1

Part time

29

63

4

Union

33

2

57

8

[1]

Nonunion

44

2

47

4

2

Average wage within the following categories:2

         

    Lowest 25 percent

41

1

51

5

2

        Lowest 10 percent

48

46

3

    Second 25 percent

42

1

48

6

2

    Third 25 percent

40

3

48

8

2

    Highest 25 percent

33

2

59

5

1

        Highest 10 percent

34

2

59

5

[1]

Establishment characteristics

         

Service-providing industries

39

2

52

6

1

    Education and health services

37

1

55

5

1

        Educational services

35

1

57

6

1

            Elementary and secondary schools

30

1

63

6

1

            Junior colleges, colleges, and universities

52

38

6

        Health care and social assistance

53

43

2

            Hospitals

55

42

    Public administration

40

3

49

7

2

1 to 99 workers

33

1

59

4

4

    1 to 49 workers

34

54

7

    50 to 99 workers

31

65

2

100 workers or more

39

2

51

6

1

    100 to 499 workers

42

54

3

    500 workers or more

38

2

51

7

1

State government

48

2

41

5

4

Local government

35

2

56

6

1

Geographic areas

         

New England

24

66

Middle Atlantic

37

48

14

East North Central

44

50

4

West North Central

46

46

6

South Atlantic

61

3

25

6

6

East South Central

51

West South Central

22

75

2

Mountain

31

64

Pacific

16

77

4

1Less than 0.5 percent.

2The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2010." See Technical Note for more details.


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/glossary20102011.htm.