Department of Labor Logo United States Department of Labor
Dot gov

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

Https

The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Fixed multiple of earnings benefit formulas

Table 20. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2011

(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)

Characteristics

Multiple of annual earnings amounts1

Mean
multiple of
annual
earnings

Median
multiple of
annual
earnings

Less than
1.0 times
earnings

1.0 times
earnings

Over 1.0
and under
2.0 times
earnings

2.0 times
earnings

Greater
than 2.0
times
earnings

All workers

46

25

25

1.4

1.5

Worker characteristics

             

Management, professional, and related

43

28

26

1.5

1.5

    Professional and related

44

28

25

3

1.4

1.5

        Teachers

43

27

27

3

1.5

1.5

            Primary, secondary, and special education
             school teachers

44

30

24

2

1.4

1.5

Service

50

22

22

6

1.5

    Protective service

56

15

19

1.5

1.0

Sales and office

49

24

25

2

1.4

    Office and administrative support

48

25

25

2

1.4

1.5

Natural resources, construction, and maintenance

53

19

25

1.4

1.0

Production, transportation, and material moving

45

30

22

1.4

1.5

Full time

46

25

25

1.5

1.5

Part time

59

26

1.3

1.0

Union

55

29

11

1.4

1.0

Nonunion

40

23

34

1.5

1.5

Average wage within the following categories:2

             

    Lowest 25 percent

45

26

29

1

1.4

1.5

        Lowest 10 percent

40

25

1.5

1.5

    Second 25 percent

48

25

24

2

1.4

    Third 25 percent

53

21

23

1.4

1.0

    Highest 25 percent

40

30

23

1.5

1.5

        Highest 10 percent

40

28

23

1.5

1.5

Establishment characteristics

             

Service-providing industries

46

25

25

1.4

1.5

    Education and health services

44

25

28

3

1.5

1.5

        Educational services

41

26

31

2

1.5

1.5

            Elementary and secondary schools

41

30

28

2

1.5

1.5

            Junior colleges, colleges, and universities

43

16

4

1.5

1.5

        Health care and social assistance

55

24

3

1.4

            Hospitals

57

18

4

1.5

    Public administration

54

24

17

1.4

1.0

1 to 99 workers

45

33

5

1.4

1.5

    1 to 49 workers

48

28

21

1.4

    50 to 99 workers

39

40

1.5

1.5

100 workers or more

47

25

25

1.5

1.5

    100 to 499 workers

43

27

25

6

1.5

1.5

    500 workers or more

48

24

25

1.4

1.5

State government

43

26

3

1.5

1.5

Local government

48

25

23

1.4

1.5

Geographic areas

             

New England

52

37

1.3

Middle Atlantic

26

50

9

15

1.7

1.5

East North Central

67

12

17

4

1.3

1.0

West North Central

35

1.5

1.5

South Atlantic

45

23

30

2

1.5

1.5

West South Central

37

38

23

1.5

1.5

Mountain

67

1.2

1.0

Pacific

76

13

1.2

1.0

1Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.

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.