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Life insurance plans: Fixed multiple of annual earnings benefit formulas

Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, National Compensation Survey, March 2015

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

Characteristics

Multiple of annual earnings amounts1

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

48

22

27

1.4

1.5

Worker characteristics

             

Management, professional, and related

46

22

28

1.4

1.5

    Professional and related

46

23

28

3

1.4

1.5

        Teachers

45

22

28

4

1.5

1.5

            Primary, secondary, and special education
             school teachers

47

25

26

2

1.4

Service

53

18

24

6

1.5

    Protective service

56

11

22

1.5

1.0

Sales and office

51

22

25

2

1.4

    Office and administrative support

51

23

24

2

1.4

Natural resources, construction, and maintenance

47

22

27

1.4

1.4

Production, transportation, and material moving

38

36

23

1.5

1.5

Full time

47

22

27

1.4

1.5

Part time

64

1.2

1.0

Union

56

28

11

1.4

1.0

Nonunion

41

17

39

1.5

1.5

Average wage within the following categories:2

             

    Lowest 25 percent

47

22

30

1.4

1.5

        Lowest 10 percent

41

1.5

1.5

    Second 25 percent

51

20

27

2

1.4

    Third 25 percent

51

19

27

1.4

    Highest 25 percent

43

26

23

1.5

1.5

        Highest 10 percent

43

24

10

1.5

1.5

Establishment characteristics

             

Service-providing industries

48

22

27

1.4

1.5

    Education and health services

47

21

30

2

1.4

1.5

        Educational services

44

21

32

2

1.5

1.5

            Elementary and secondary schools

43

26

30

1

1.4

1.5

            Junior colleges, colleges, and universities

44

5

1.5

        Health care and social assistance

61

20

1.3

1.0

            Hospitals

59

1.3

    Public administration

56

19

18

1.4

1.0

1 to 99 workers

56

1.4

    1 to 49 workers

47

1.5

    50 to 99 workers

66

1.2

1.0

100 workers or more

47

22

28

1.4

1.5

    100 to 499 workers

43

26

26

5

1.5

1.5

    500 workers or more

49

20

28

1.4

State government

49

18

3

1.4

Local government

47

24

25

1.4

1.5

Geographic areas

             

Northeast

32

48

7

14

1.6

1.5

    Middle Atlantic

27

50

7

16

1.7

1.5

South

43

15

41

1.5

1.5

    South Atlantic

48

15

36

1.4

    East South Central

62

1.6

2.0

    West South Central

34

30

1.5

1.5

Midwest

55

2

1.4

    East North Central

69

12

16

4

1.3

1.0

    West North Central

35

1.5

1.5

West

73

1.2

1.0

    Mountain

65

1.2

1.0

    Pacific

81

1.1

1.0

1Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.

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 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.