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Employee Benefits Survey
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Life insurance plans: Maximum benefit amount

Table 21. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2011

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

Characteristics

With
maximum
benefit
amount

Maximum benefit amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

49

$50,000

$50,000

$100,000

$200,000

$450,000

51

Worker characteristics

             

Management, professional, and related

50

50,000

50,000

100,000

200,000

400,000

50

    Professional and related

50

50,000

50,000

100,000

200,000

400,000

50

        Teachers

49

51

            Primary, secondary, and special education
             school teachers

43

50,000

50,000

50,000

100,000

250,000

57

Service

50

50,000

50,000

100,000

250,000

500,000

50

    Protective service

45

55

Sales and office

46

50,000

50,000

100,000

250,000

500,000

54

    Office and administrative support

47

50,000

50,000

100,000

250,000

500,000

53

Natural resources, construction, and maintenance

48

52

Production, transportation, and material moving

46

54

Full time

49

50,000

50,000

100,000

200,000

450,000

51

Part time

45

55

Union

44

56

Nonunion

52

50,000

50,000

100,000

250,000

500,000

48

Average wage within the following categories:2

             

    Lowest 25 percent

51

50,000

50,000

100,000

150,000

500,000

49

        Lowest 10 percent

58

42

    Second 25 percent

50

50,000

50,000

100,000

250,000

400,000

50

    Third 25 percent

49

50,000

50,000

100,000

250,000

500,000

51

    Highest 25 percent

46

54

        Highest 10 percent

49

51

Establishment characteristics

             

Service-providing industries

49

50,000

50,000

100,000

200,000

450,000

51

    Education and health services

53

47

        Educational services

52

40,000

50,000

100,000

200,000

400,000

48

            Elementary and secondary schools

43

57

            Junior colleges, colleges, and universities

71

29

        Health care and social assistance

55

45

            Hospitals

55

45

    Public administration

43

50,000

50,000

100,000

200,000

500,000

57

1 to 99 workers

42

50,000

60,000

100,000

200,000

350,000

58

    1 to 49 workers

37

63

    50 to 99 workers

48

52

100 workers or more

50

50,000

50,000

100,000

200,000

500,000

50

    100 to 499 workers

46

50,000

50,000

100,000

200,000

325,000

54

    500 workers or more

51

50,000

50,000

100,000

250,000

500,000

49

State government

51

49

Local government

48

50,000

50,000

100,000

200,000

400,000

52

Geographic areas

             

Middle Atlantic

33

25,000

40,000

50,000

100,000

200,000

67

East North Central

44

50,000

50,000

150,000

150,000

325,000

56

West North Central

48

52

South Atlantic

36

50,000

50,000

150,000

250,000

500,000

64

West South Central

54

46

Pacific

67

33

1The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th percentile or median, half of the
participating workers receive the same as or more than the benefit shown, and half receive the same as or less than the benefit shown. At the 25th percentile,
one-fourth of the participating workers receive the same or less than the benefit&nb sp;shown. The remaining percentiles follow the same logic.

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.