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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, State and local government workers, 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 amount1

With no
maximum
benefit
amount

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

52

$50,000

$50,000

$100,000

$250,000

$450,000

48

Worker characteristics

             

Management, professional, and related

53

50,000

50,000

100,000

250,000

400,000

47

    Professional and related

53

50,000

50,000

100,000

250,000

400,000

47

        Teachers

50

50,000

50,000

100,000

200,000

350,000

50

            Primary, secondary, and special education
             school teachers

44

50,000

50,000

250,000

56

Service

54

50,000

50,000

100,000

250,000

500,000

46

    Protective service

49

50,000

50,000

51

Sales and office

49

50,000

50,000

500,000

51

    Office and administrative support

49

50,000

50,000

500,000

51

Natural resources, construction, and maintenance

48

50,000

100,000

400,000

52

Production, transportation, and material moving

46

50,000

100,000

450,000

54

Full time

52

50,000

50,000

100,000

250,000

500,000

48

Part time

50

50,000

50,000

50

Union

50

50,000

50,000

100,000

400,000

50

Nonunion

54

50,000

100,000

250,000

500,000

46

Average wage within the following categories:2

             

    Lowest 25 percent

52

50,000

50,000

100,000

500,000

48

        Lowest 10 percent

59

50,000

100,000

500,000

41

    Second 25 percent

57

50,000

50,000

250,000

400,000

43

    Third 25 percent

51

50,000

50,000

100,000

250,000

500,000

49

    Highest 25 percent

47

50,000

50,000

100,000

400,000

53

        Highest 10 percent

55

50,000

50,000

100,000

400,000

45

Establishment characteristics

             

Service-providing industries

53

50,000

50,000

100,000

250,000

450,000

47

    Education and health services

55

50,000

50,000

100,000

250,000

400,000

45

        Educational services

55

50,000

50,000

100,000

400,000

45

            Elementary and secondary schools

45

50,000

50,000

100,000

200,000

275,000

55

            Junior colleges, colleges, and universities

73

50,000

50,000

100,000

27

        Health care and social assistance

57

50,000

500,000

43

            Hospitals

59

50,000

100,000

500,000

41

    Public administration

48

50,000

50,000

250,000

500,000

52

1 to 99 workers

37

50,000

100,000

63

    1 to 49 workers

37

50,000

63

    50 to 99 workers

37

50,000

100,000

250,000

500,000

63

100 workers or more

53

50,000

50,000

100,000

250,000

400,000

47

    100 to 499 workers

52

50,000

50,000

100,000

150,000

48

    500 workers or more

54

50,000

50,000

100,000

500,000

46

State government

60

50,000

500,000

40

Local government

49

50,000

50,000

100,000

250,000

400,000

51

Geographic areas

             

Northeast

34

40,000

50,000

100,000

66

    New England

54

50,000

100,000

46

    Middle Atlantic

31

25,000

40,000

50,000

350,000

69

South

55

50,000

100,000

250,000

45

    South Atlantic

40

50,000

200,000

280,000

60

    West South Central

57

50,000

50,000

250,000

43

Midwest

48

50,000

400,000

500,000

52

    East North Central

47

50,000

50,000

150,000

250,000

53

West

75

50,000

50,000

150,000

300,000

25

    Mountain

74

50,000

26

1The 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.

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.