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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, civilian workers,1 National Compensation
Survey, March 2015

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

Characteristics

With
maximum
benefit
amount

Maximum benefit amount2

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

75

$50,000

$70,000

$200,000

$500,000

$1,000,000

25

Worker characteristics

             

Management, professional, and related

76

50,000

100,000

300,000

750,000

24

    Management, business, and financial

78

50,000

100,000

300,000

750,000

22

    Professional and related

75

50,000

100,000

300,000

600,000

1,000,000

25

        Teachers

64

50,000

50,000

100,000

500,000

36

            Primary, secondary, and special education
             school teachers

55

50,000

50,000

100,000

500,000

45

        Registered nurses

79

50,000

100,000

750,000

1,000,000

21

Service

75

50,000

50,000

200,000

500,000

1,000,000

25

    Protective service

56

50,000

50,000

100,000

750,000

44

Sales and office

80

50,000

50,000

200,000

500,000

1,000,000

20

    Sales and related

82

50,000

50,000

100,000

500,000

1,000,000

18

    Office and administrative support

78

50,000

70,000

200,000

500,000

1,000,000

22

Natural resources, construction, and maintenance

63

50,000

200,000

500,000

37

    Construction, extraction, farming, fishing, and
     forestry

64

50,000

100,000

170,000

1,000,000

36

    Installation, maintenance, and repair

63

50,000

50,000

200,000

2,000,000

37

Production, transportation, and material moving

67

50,000

70,000

200,000

500,000

1,000,000

33

    Production

64

50,000

100,000

250,000

500,000

1,000,000

36

    Transportation and material moving

71

50,000

450,000

1,000,000

29

Full time

76

50,000

70,000

200,000

500,000

1,000,000

24

Part time

67

50,000

50,000

400,000

750,000

33

Union

57

50,000

50,000

100,000

300,000

1,000,000

43

Nonunion

78

50,000

250,000

500,000

1,000,000

22

Average wage within the following categories:3

             

    Lowest 25 percent

77

50,000

50,000

200,000

500,000

1,000,000

23

        Lowest 10 percent

76

50,000

24

    Second 25 percent

77

50,000

50,000

170,000

500,000

1,000,000

23

    Third 25 percent

75

50,000

200,000

500,000

1,000,000

25

    Highest 25 percent

73

50,000

100,000

300,000

750,000

27

        Highest 10 percent

75

50,000

100,000

300,000

800,000

2,000,000

25

Establishment characteristics

             

Goods-producing industries

67

50,000

100,000

300,000

600,000

1,000,000

33

Service-providing industries

77

50,000

200,000

500,000

1,000,000

23

    Education and health services

75

50,000

200,000

500,000

1,000,000

25

        Educational services

65

50,000

50,000

300,000

500,000

35

            Elementary and secondary schools

51

50,000

50,000

100,000

200,000

350,000

49

            Junior colleges, colleges, and universities

80

50,000

50,000

400,000

500,000

20

        Health care and social assistance

80

50,000

100,000

250,000

500,000

1,000,000

20

            Hospitals

78

50,000

400,000

1,000,000

22

    Public administration

48

50,000

50,000

250,000

500,000

52

1 to 99 workers

79

50,000

200,000

500,000

1,000,000

21

    1 to 49 workers

82

50,000

200,000

500,000

1,000,000

18

    50 to 99 workers

74

50,000

200,000

500,000

1,000,000

26

100 workers or more

74

50,000

250,000

500,000

1,000,000

26

    100 to 499 workers

77

50,000

50,000

200,000

500,000

1,000,000

23

    500 workers or more

71

50,000

300,000

29

Geographic areas

             

Northeast

73

50,000

100,000

200,000

500,000

1,000,000

27

    New England

73

50,000

100,000

200,000

500,000

1,000,000

27

    Middle Atlantic

73

50,000

250,000

500,000

1,000,000

27

South

78

50,000

1,500,000

22

    South Atlantic

75

50,000

255,000

750,000

2,000,000

25

    East South Central

84

50,000

500,000

1,000,000

16

    West South Central

80

50,000

250,000

500,000

20

Midwest

71

50,000

250,000

500,000

1,000,000

29

    East North Central

73

50,000

100,000

250,000

500,000

1,000,000

27

    West North Central

69

50,000

250,000

500,000

1,000,000

31

West

77

50,000

50,000

200,000

500,000

1,000,000

23

    Mountain

83

50,000

150,000

1,000,000

17

    Pacific

74

50,000

50,000

200,000

500,000

1,000,000

26

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.

2The 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.

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 .