Department of Labor Logo United States Department of Labor
Dot gov

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

Https

The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Fixed multiple of annual earnings benefit formulas

Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, civilian workers,1
National Compensation Survey, March 2015

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

Characteristics

Multiple of annual earnings amounts2

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

[3]

61

11

24

4

1.4

1.0

Worker characteristics

             

Management, professional, and related

[3]

58

11

26

5

1.4

1.0

    Management, business, and financial

1

56

9

28

6

1.4

1.0

    Professional and related

59

12

24

1.4

1.0

        Teachers

51

21

25

1.4

            Primary, secondary, and special education
             school teachers

51

24

24

1

1.4

        Registered nurses

77

9

13

1.2

1.0

Service

1

65

11

21

3

1.3

1.0

    Protective service

58

16

19

8

1.5

1.0

Sales and office

[3]

64

10

22

3

1.3

1.0

    Sales and related

72

8

18

1.3

1.0

    Office and administrative support

[3]

61

10

24

4

1.4

1.0

Natural resources, construction, and maintenance

1

62

12

23

2

1.3

1.0

    Construction, extraction, farming, fishing, and
     forestry

60

15

22

2

1.3

1.0

    Installation, maintenance, and repair

2

62

11

23

2

1.3

1.0

Production, transportation, and material moving

[3]

61

14

22

2

1.3

1.0

    Production

58

12

26

1.4

1.0

    Transportation and material moving

65

16

17

1.3

1.0

Full time

[3]

60

11

24

4

1.4

1.0

Part time

76

6

15

1.2

1.0

Union

1

64

15

15

5

1.3

1.0

Nonunion

[3]

61

10

25

4

1.4

1.0

Average wage within the following categories:4

             

    Lowest 25 percent

68

8

21

1.3

1.0

        Lowest 10 percent

62

25

1.4

1.0

    Second 25 percent

1

65

12

20

2

1.3

1.0

    Third 25 percent

[3]

58

12

25

4

1.4

1.0

    Highest 25 percent

[3]

59

10

26

5

1.4

1.0

        Highest 10 percent

1

57

10

27

6

1.4

1.0

Establishment characteristics

             

Goods-producing industries

54

10

31

1.4

1.0

Service-providing industries

1

62

11

22

4

1.3

1.0

    Education and health services

63

12

22

1.3

1.0

        Educational services

48

19

29

1.4

            Elementary and secondary schools

47

24

28

2

1.4

1.5

            Junior colleges, colleges, and universities

48

13

31

1.5

        Health care and social assistance

70

9

18

1.3

1.0

            Hospitals

1

74

10

14

1

1.2

1.0

    Public administration

56

19

18

1.4

1.0

1 to 99 workers

[3]

60

11

25

4

1.4

1.0

    1 to 49 workers

62

9

24

1.4

1.0

    50 to 99 workers

56

15

27

1.4

1.0

100 workers or more

[3]

62

11

23

4

1.4

1.0

    100 to 499 workers

[3]

63

9

23

4

1.4

1.0

    500 workers or more

1

60

13

24

3

1.3

1.0

Geographic areas

             

Northeast

57

16

22

1.4

1.0

    New England

63

15

20

1.3

1.0

    Middle Atlantic

55

16

23

1.4

1.0

South

[3]

62

8

25

3

1.4

1.0

    South Atlantic

64

8

23

1.3

1.0

    East South Central

59

9

28

1.4

1.0

    West South Central

60

8

28

1.4

1.0

Midwest

58

12

25

1.4

1.0

    East North Central

60

12

24

1.4

1.0

    West North Central

55

13

28

1.4

1.0

West

67

9

20

1.3

1.0

    Mountain

72

14

12

1.2

1.0

    Pacific

64

6

25

1.4

1.0

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.

2Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.

3Less than 0.5.

4Surveyed 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 .