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Employee Benefits Survey
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Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 National
Compensation Survey, March 2014

(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

57

2

38

3

1

Worker characteristics

         

Management, professional, and related

63

2

32

2

1

    Management, business, and financial

70

2

25

2

1

    Professional and related

60

2

35

2

1

        Teachers

41

1

52

4

2

            Primary, secondary, and special education
             school teachers

34

1

58

4

2

        Registered nurses

71

2

25

Service

47

1

48

3

1

    Protective service

38

3

54

5

1

Sales and office

62

2

34

2

1

    Sales and related

60

2

34

3

1

    Office and administrative support

62

2

34

2

[2]

Natural resources, construction, and maintenance

39

1

55

4

[2]

    Construction, extraction, farming, fishing, and
     forestry

25

69

3

    Installation, maintenance, and repair

49

1

45

4

[2]

Production, transportation, and material moving

49

1

44

5

[2]

    Production

47

1

46

6

[2]

    Transportation and material moving

50

2

43

4

[2]

Full time

57

2

38

3

1

Part time

53

1

40

4

1

Union

38

2

51

9

1

Nonunion

62

2

34

1

1

Average wage within the following categories3:

         

    Lowest 25 percent

50

1

47

2

1

        Lowest 10 percent

40

56

3

    Second 25 percent

54

1

41

3

1

    Third 25 percent

55

2

39

3

1

    Highest 25 percent

63

2

31

3

1

        Highest 10 percent

65

3

29

2

[2]

Establishment characteristics

         

Goods-producing industries

48

1

46

5

[2]

Service-providing industries

59

2

36

3

1

    Education and health services

54

1

41

2

1

        Educational services

43

1

50

4

2

            Elementary and secondary schools

34

1

59

4

3

            Junior colleges, colleges, and universities

60

2

33

3

1

        Health care and social assistance

63

1

34

1

[2]

            Hospitals

78

2

17

2

1

    Public administration

36

3

53

7

2

1 to 99 workers

48

1

48

2

1

    1 to 49 workers

47

1

49

2

1

    50 to 99 workers

51

[2]

47

2

[2]

100 workers or more

61

2

33

3

1

    100 to 499 workers

59

2

36

3

[2]

    500 workers or more

62

3

30

4

1

Geographic areas

         

Northeast

62

31

4

    New England

65

2

31

2

    Middle Atlantic

61

32

5

South

58

1

37

2

2

    South Atlantic

62

2

31

2

3

    East South Central

56

40

2

    West South Central

51

46

2

Midwest

54

2

40

4

[2]

    East North Central

53

2

42

3

[2]

    West North Central

58

1

37

4

1

West

53

2

43

2

[2]

    Mountain

57

2

41

    Pacific

51

43

3

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.

2Less than 0.5.

3Surveyed occupations are classified into wage categories based on the average wage for the occupation, which may include
workers with earnings both above and below the threshold.  The categories were formed using percentile estimates generated using
ECEC data for March 2014.


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/glossary20132014.htm.