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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 2015

(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

37

3

1

Worker characteristics

         

Management, professional, and related

64

2

31

2

1

    Management, business, and financial

72

1

24

2

1

    Professional and related

61

2

34

2

1

        Teachers

40

1

53

4

2

            Primary, secondary, and special education
             school teachers

34

1

58

4

3

        Registered nurses

74

23

1

Service

49

1

46

3

1

    Protective service

38

3

53

4

1

Sales and office

61

2

34

2

1

    Sales and related

59

2

35

3

1

    Office and administrative support

62

2

34

2

[2]

Natural resources, construction, and maintenance

40

1

55

4

[2]

    Construction, extraction, farming, fishing, and
     forestry

26

68

4

    Installation, maintenance, and repair

49

1

46

4

[2]

Production, transportation, and material moving

49

1

44

5

[2]

    Production

49

1

45

5

[2]

    Transportation and material moving

50

44

4

Full time

58

2

37

3

1

Part time

52

41

5

Union

37

1

52

9

1

Nonunion

63

2

34

1

1

Average wage within the following categories:3

         

    Lowest 25 percent

51

1

46

2

[2]

        Lowest 10 percent

44

52

3

    Second 25 percent

52

1

43

3

1

    Third 25 percent

57

1

37

3

1

    Highest 25 percent

64

2

31

3

1

        Highest 10 percent

68

3

27

2

[2]

Establishment characteristics

         

Goods-producing industries

50

2

44

4

[2]

Service-providing industries

59

2

36

3

1

    Education and health services

56

1

39

3

1

        Educational services

43

1

50

4

2

            Elementary and secondary schools

34

1

59

4

3

            Junior colleges, colleges, and universities

60

2

34

3

1

        Health care and social assistance

66

31

2

            Hospitals

77

19

2

    Public administration

36

3

52

7

2

1 to 99 workers

49

[2]

48

2

1

    1 to 49 workers

48

1

49

2

1

    50 to 99 workers

51

[2]

47

2

[2]

100 workers or more

61

2

32

3

1

    100 to 499 workers

61

2

34

3

[2]

    500 workers or more

62

2

31

4

1

Geographic areas

         

Northeast

62

32

4

    New England

65

2

31

3

    Middle Atlantic

61

32

5

South

58

2

37

2

1

    South Atlantic

62

2

32

2

2

    East South Central

57

38

2

    West South Central

53

1

44

2

[2]

Midwest

55

1

40

4

[2]

    East North Central

53

2

41

3

[2]

    West North Central

57

1

37

5

[2]

West

54

2

41

3

[2]

    Mountain

57

1

41

    Pacific

53

42

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
wage data for March 2015.


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/glossary20142015.htm .