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Life insurance plans: Fixed multiple of annual earnings benefit formulas

Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2014

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

Characteristics

Multiple of annual earnings amounts1

Mean
multiple of
annual
earnings

Median
multiple of
annual
earnings

Less than
1.0 times
earnings

1.0 times
earnings

Over 1.0
and under
2.0 times
earnings

2.0 times
earnings

Greater
than 2.0
times
earnings

All workers

48

22

26

1.4

1.5

Worker characteristics

             

Management, professional, and related

46

23

27

1.4

1.5

    Professional and related

46

23

27

3

1.4

1.5

        Teachers

45

24

27

4

1.5

1.5

            Primary, secondary, and special education
             school teachers

47

26

25

2

1.4

Service

52

18

24

5

1.5

    Protective service

56

11

22

1.5

1.0

Sales and office

51

23

24

2

1.4

    Office and administrative support

51

24

24

2

1.4

Natural resources, construction, and maintenance

48

20

28

1.4

Production, transportation, and material moving

38

36

23

1.5

1.5

Full time

47

22

27

1.4

1.5

Part time

63

27

1.2

1.0

Union

57

27

11

1.4

1.0

Nonunion

41

19

37

1.5

1.5

Average wage within the following categories2:

             

    Lowest 25 percent

49

23

28

1.4

        Lowest 10 percent

42

20

1.5

1.5

    Second 25 percent

50

20

28

3

1.4

    Third 25 percent

52

19

26

1.4

    Highest 25 percent

42

27

23

1.5

1.5

        Highest 10 percent

41

26

11

1.6

1.5

Establishment characteristics

             

Service-providing industries

48

22

26

1.4

1.5

    Education and health services

47

22

29

2

1.4

1.5

        Educational services

44

22

31

2

1.5

1.5

            Elementary and secondary schools

43

27

29

1

1.4

1.5

            Junior colleges, colleges, and universities

44

5

1.5

        Health care and social assistance

60

20

1.3

1.0

            Hospitals

60

1.3

1.0

    Public administration

56

19

19

1.4

1.0

1 to 99 workers

55

1.4

    1 to 49 workers

52

1.4

    50 to 99 workers

59

1.3

100 workers or more

47

23

27

1.4

1.5

    100 to 499 workers

44

26

23

6

1.5

1.5

    500 workers or more

48

21

28

1.4

State government

49

19

3

1.4

1.5

Local government

48

24

25

1.4

1.4

Geographic areas

             

Northeast

30

50

6

13

1.6

1.5

    New England

61

1.2

    Middle Atlantic

26

52

6

15

1.7

1.5

South

43

16

40

1.5

1.5

    South Atlantic

49

16

34

1.4

    West South Central

34

27

1.5

1.5

Midwest

56

3

1.4

1.0

    East North Central

69

11

16

4

1.3

1.0

    West North Central

35

1.5

1.5

West

73

1.2

1.0

    Mountain

65

1.2

1.0

    Pacific

81

1.1

1.0

1Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.

2Surveyed 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.