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: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, 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

37

2

53

5

2

Worker characteristics

         

Management, professional, and related

36

2

55

5

3

    Professional and related

36

2

55

5

3

        Teachers

32

1

59

5

3

            Primary, secondary, and special education
             school teachers

29

1

62

5

3

Service

40

3

50

5

2

    Protective service

36

4

53

6

1

Sales and office

39

51

6

    Office and administrative support

39

52

6

Natural resources, construction, and maintenance

40

4

52

Production, transportation, and material moving

37

2

51

Full time

37

2

53

5

2

Part time

36

57

5

Union

33

2

57

8

1

Nonunion

42

2

50

2

4

Average wage within the following categories:1

         

    Lowest 25 percent

39

1

54

3

3

        Lowest 10 percent

47

49

2

    Second 25 percent

40

2

50

5

3

    Third 25 percent

39

3

48

7

3

    Highest 25 percent

32

2

59

6

1

        Highest 10 percent

34

3

59

4

[2]

Establishment characteristics

         

Service-providing industries

37

2

53

5

2

    Education and health services

38

2

54

4

3

        Educational services

36

1

55

4

3

            Elementary and secondary schools

31

1

61

4

3

            Junior colleges, colleges, and universities

51

40

5

        Health care and social assistance

49

46

3

            Hospitals

45

51

    Public administration

36

3

52

7

2

1 to 99 workers

30

2

60

3

4

    1 to 49 workers

26

61

    50 to 99 workers

37

59

100 workers or more

38

2

52

5

2

    100 to 499 workers

40

55

4

    500 workers or more

37

2

52

6

3

State government

43

2

47

5

3

Local government

35

2

55

5

2

Geographic areas

         

Northeast

32

1

53

14

    New England

17

70

    Middle Atlantic

37

1

48

15

South

43

2

47

2

6

    South Atlantic

53

2

32

1

12

    East South Central

51

42

    West South Central

20

77

1

Midwest

46

46

4

    East North Central

44

49

4

    West North Central

50

3

42

5

West

21

71

4

    Mountain

36

61

    Pacific

15

4

75

5

1Surveyed 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.

2Less than 0.5.


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.