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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, State and local government workers, 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 amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

51

$50,000

$50,000

$100,000

$250,000

$500,000

49

Worker characteristics

             

Management, professional, and related

52

50,000

50,000

100,000

250,000

400,000

48

    Professional and related

52

50,000

50,000

100,000

250,000

400,000

48

        Teachers

49

50,000

50,000

200,000

350,000

51

            Primary, secondary, and special education
             school teachers

43

50,000

50,000

57

Service

53

50,000

50,000

100,000

250,000

500,000

47

    Protective service

49

50,000

50,000

51

Sales and office

49

50,000

50,000

500,000

51

    Office and administrative support

49

50,000

50,000

500,000

51

Natural resources, construction, and maintenance

47

50,000

100,000

400,000

53

Production, transportation, and material moving

47

50,000

100,000

450,000

53

Full time

52

50,000

50,000

100,000

250,000

500,000

48

Part time

50

50,000

50,000

50

Union

50

50,000

50,000

100,000

400,000

50

Nonunion

53

50,000

50,000

100,000

250,000

500,000

47

Average wage within the following categories2:

             

    Lowest 25 percent

56

50,000

50,000

100,000

500,000

44

        Lowest 10 percent

61

50,000

100,000

500,000

39

    Second 25 percent

54

50,000

50,000

250,000

400,000

46

    Third 25 percent

50

50,000

50,000

500,000

50

    Highest 25 percent

47

50,000

50,000

100,000

500,000

53

        Highest 10 percent

53

50,000

50,000

500,000

47

Establishment characteristics

             

Service-providing industries

52

50,000

50,000

100,000

250,000

500,000

48

    Education and health services

54

50,000

50,000

100,000

400,000

46

        Educational services

54

50,000

50,000

100,000

400,000

46

            Elementary and secondary schools

43

50,000

50,000

100,000

175,000

300,000

57

            Junior colleges, colleges, and universities

73

50,000

50,000

100,000

27

        Health care and social assistance

57

50,000

500,000

43

            Hospitals

61

50,000

39

    Public administration

49

50,000

50,000

100,000

250,000

500,000

51

1 to 99 workers

35

50,000

100,000

250,000

65

    1 to 49 workers

30

70

100 workers or more

53

50,000

50,000

100,000

250,000

450,000

47

    100 to 499 workers

51

50,000

50,000

100,000

150,000

350,000

49

    500 workers or more

53

50,000

50,000

100,000

500,000

47

State government

58

50,000

500,000

42

Local government

48

50,000

50,000

100,000

200,000

400,000

52

Geographic areas

             

Northeast

35

40,000

50,000

100,000

65

    Middle Atlantic

31

40,000

50,000

350,000

69

South

54

50,000

100,000

250,000

46

    South Atlantic

39

50,000

200,000

61

    West South Central

56

50,000

50,000

44

Midwest

48

50,000

400,000

500,000

52

    East North Central

46

50,000

50,000

150,000

250,000

54

West

75

50,000

50,000

300,000

25

    Mountain

74

50,000

26

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 receive the same or less than the benefit&nb sp;shown. The remaining percentiles follow the same logic.

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.