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Employee Benefits Survey
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Life insurance plans: Maximum benefit amount

Table 20. Life insurance plans: Maximum benefit amounts, civilian workers,1 National Compensation
Survey, March 2014

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

Characteristics

With
maximum
benefit
amount

Maximum benefit amount2

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

75

$50,000

$60,000

$200,000

$500,000

$1,000,000

25

Worker characteristics

             

Management, professional, and related

75

50,000

100,000

300,000

700,000

1,000,000

25

    Management, business, and financial

80

50,000

100,000

300,000

750,000

20

    Professional and related

73

50,000

300,000

500,000

1,000,000

27

        Teachers

63

50,000

50,000

500,000

37

            Primary, secondary, and special education
             school teachers

54

50,000

50,000

46

        Registered nurses

70

50,000

100,000

400,000

1,000,000

30

Service

72

50,000

50,000

200,000

500,000

1,000,000

28

    Protective service

55

50,000

50,000

100,000

280,000

45

Sales and office

79

50,000

50,000

200,000

500,000

1,000,000

21

    Sales and related

82

50,000

50,000

100,000

500,000

1,000,000

18

    Office and administrative support

78

50,000

200,000

500,000

22

Natural resources, construction, and maintenance

69

50,000

200,000

2,000,000

31

    Construction, extraction, farming, fishing, and
     forestry

64

50,000

100,000

170,000

1,000,000

36

    Installation, maintenance, and repair

71

50,000

1,000,000

2,000,000

29

Production, transportation, and material moving

68

50,000

75,000

500,000

1,000,000

32

    Production

63

50,000

100,000

250,000

500,000

1,000,000

37

    Transportation and material moving

74

50,000

70,000

100,000

26

Full time

75

50,000

200,000

500,000

1,000,000

25

Part time

71

50,000

500,000

750,000

29

Union

61

50,000

50,000

100,000

350,000

1,000,000

39

Nonunion

77

50,000

70,000

250,000

500,000

1,000,000

23

Average wage within the following categories3:

             

    Lowest 25 percent

73

50,000

50,000

500,000

1,000,000

27

        Lowest 10 percent

79

50,000

50,000

21

    Second 25 percent

77

50,000

50,000

150,000

500,000

1,000,000

23

    Third 25 percent

75

50,000

75,000

200,000

500,000

1,000,000

25

    Highest 25 percent

74

50,000

100,000

300,000

750,000

1,500,000

26

        Highest 10 percent

76

50,000

100,000

300,000

750,000

1,500,000

24

Establishment characteristics

             

Goods-producing industries

66

50,000

100,000

300,000

700,000

1,000,000

34

Service-providing industries

76

50,000

50,000

200,000

500,000

1,000,000

24

    Education and health services

72

50,000

50,000

200,000

500,000

1,000,000

28

        Educational services

64

50,000

50,000

100,000

265,000

500,000

36

            Elementary and secondary schools

49

50,000

50,000

100,000

200,000

350,000

51

            Junior colleges, colleges, and universities

79

50,000

50,000

400,000

500,000

21

        Health care and social assistance

76

50,000

250,000

500,000

1,000,000

24

            Hospitals

72

50,000

400,000

1,000,000

28

    Public administration

49

50,000

50,000

100,000

250,000

500,000

51

1 to 99 workers

80

50,000

200,000

500,000

1,000,000

20

    1 to 49 workers

81

50,000

200,000

500,000

1,000,000

19

    50 to 99 workers

76

50,000

200,000

500,000

24

100 workers or more

73

50,000

50,000

500,000

1,000,000

27

    100 to 499 workers

78

50,000

50,000

200,000

500,000

1,000,000

22

    500 workers or more

69

50,000

100,000

300,000

750,000

1,000,000

31

Geographic areas

             

Northeast

73

50,000

200,000

500,000

1,000,000

27

    New England

72

50,000

500,000

1,000,000

28

    Middle Atlantic

73

50,000

250,000

500,000

1,000,000

27

South

77

50,000

200,000

23

    South Atlantic

74

50,000

250,000

750,000

26

    East South Central

87

50,000

500,000

1,000,000

13

    West South Central

78

50,000

200,000

22

Midwest

68

50,000

100,000

250,000

500,000

1,000,000

32

    East North Central

67

50,000

100,000

250,000

500,000

1,000,000

33

    West North Central

70

50,000

250,000

500,000

1,000,000

30

West

81

50,000

50,000

200,000

500,000

1,000,000

19

    Mountain

86

50,000

500,000

1,000,000

14

    Pacific

77

50,000

50,000

200,000

500,000

1,000,000

23

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.

2The 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.

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.