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Employee Benefits Survey
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Life insurance plans: Maximum benefit amount

Table 20. Life insurance plans: Maximum benefit amount, State and local government workers, National
Compensation Survey, March 2012

(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

50

$50,000

$50,000

$100,000

$250,000

$450,000

50

Worker characteristics

              

Management, professional, and related

51

50,000

50,000

100,000

–

400,000

49

    Professional and related

51

50,000

50,000

100,000

–

400,000

49

        Teachers

48

50,000

50,000

–

–

350,000

52

            Primary, secondary, and special education
             school teachers

42

50,000

50,000

–

100,000

–

58

Service

51

50,000

50,000

100,000

250,000

500,000

49

    Protective service

47

50,000

50,000

100,000

250,000

–

53

Sales and office

47

50,000

50,000

100,000

–

500,000

53

    Office and administrative support

47

50,000

50,000

100,000

–

500,000

53

Natural resources, construction, and maintenance

45

–

50,000

–

–

–

55

Production, transportation, and material moving

48

50,000

50,000

100,000

200,000

450,000

52

Full time

50

50,000

50,000

100,000

250,000

450,000

50

Part time

39

50,000

50,000

–

–

–

61

Union

46

40,000

50,000

–

–

400,000

54

Nonunion

53

50,000

50,000

100,000

250,000

500,000

47

Average wage within the following categories:2

              

    Lowest 25 percent

54

50,000

50,000

100,000

150,000

500,000

46

        Lowest 10 percent

57

50,000

–

100,000

–

–

43

    Second 25 percent

52

50,000

50,000

100,000

–

400,000

48

    Third 25 percent

49

50,000

50,000

100,000

250,000

450,000

51

    Highest 25 percent

46

50,000

50,000

100,000

250,000

400,000

54

        Highest 10 percent

50

–

50,000

–

–

400,000

50

Establishment characteristics

              

Service-providing industries

51

50,000

50,000

100,000

250,000

450,000

49

    Education and health services

53

50,000

50,000

100,000

–

400,000

47

        Educational services

52

50,000

50,000

100,000

–

400,000

48

            Elementary and secondary schools

42

50,000

50,000

–

144,000

250,000

58

            Junior colleges, colleges, and universities

73

50,000

50,000

100,000

–

–

27

        Healthcare and social assistance

56

50,000

–

–

–

–

44

            Hospitals

61

50,000

100,000

–

400,000

–

39

    Public administration

47

50,000

50,000

100,000

200,000

500,000

53

1 to 99 workers

40

50,000

100,000

–

200,000

–

60

    1 to 49 workers

36

–

–

–

250,000

–

64

100 workers or more

51

50,000

50,000

100,000

250,000

500,000

49

    100 to 499 workers

48

50,000

50,000

100,000

–

350,000

52

    500 workers or more

52

50,000

50,000

100,000

–

500,000

48

State government

56

–

50,000

–

–

500,000

44

Local government

47

50,000

50,000

100,000

200,000

400,000

53

Geographic areas

              

Middle Atlantic

34

–

40,000

50,000

100,000

–

66

East North Central

45

50,000

50,000

–

–

–

55

West North Central

46

–

–

400,000

500,000

–

54

South Atlantic

38

50,000

50,000

200,000

250,000

–

62

West South Central

54

50,000

50,000

–

250,000

–

46

Mountain

71

–

50,000

–

–

–

29

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 re ceive the same or less
than the benefit shown. The remaining percentiles follow the same logic.


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/glossary20112012.htm.

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.