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Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, 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

37

2

53

5

2

Worker characteristics

         

Management, professional, and related

36

2

55

5

3

    Professional and related

36

2

56

5

2

        Teachers

33

1

59

5

3

            Primary, secondary, and special education
             school teachers

30

1

62

5

3

Service

40

3

51

5

2

    Protective service

36

4

53

6

1

Sales and office

38

52

6

    Office and administrative support

38

52

6

Natural resources, construction, and maintenance

40

4

51

Production, transportation, and material moving

36

2

49

Full time

37

2

53

5

2

Part time

35

58

4

Union

32

2

57

8

1

Nonunion

42

2

50

2

4

Average wage within the following categories1:

         

    Lowest 25 percent

38

1

55

3

3

        Lowest 10 percent

46

49

2

2

    Second 25 percent

40

2

50

5

3

    Third 25 percent

39

3

49

7

3

    Highest 25 percent

32

2

59

6

1

        Highest 10 percent

34

3

59

4

[2]

Establishment characteristics

         

Service-providing industries

37

2

54

5

2

    Education and health services

38

1

54

4

2

        Educational services

36

1

55

5

3

            Elementary and secondary schools

31

1

61

4

3

            Junior colleges, colleges, and universities

51

39

5

        Health care and social assistance

47

48

3

            Hospitals

44

53

    Public administration

36

3

53

7

2

1 to 99 workers

30

2

61

3

4

    1 to 49 workers

26

61

    50 to 99 workers

35

61

100 workers or more

38

2

53

5

2

    100 to 499 workers

38

56

4

    500 workers or more

38

2

51

6

3

State government

43

2

47

5

3

Local government

35

2

56

5

2

Geographic areas

         

Northeast

33

1

52

14

    New England

19

67

    Middle Atlantic

37

1

47

14

South

43

2

48

2

6

    South Atlantic

55

2

30

2

11

    East South Central

49

43

    West South Central

19

80

1

Midwest

45

48

4

    East North Central

44

49

4

    West North Central

46

3

46

5

West

21

71

5

    Mountain

36

61

    Pacific

15

4

75

5

1Surveyed 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.

2Less than 0.5.


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.