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Employee Benefits Survey
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Standard Errors
Life insurance plans: Maximum benefit amount

Table 20. Standard errors for life insurance plans: Maximum benefit amounts, State and local government
workers, National Compensation Survey, March 2015

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

3.7

$0.00

$0.00

$0.00

$45,350.96

$92,451.34

3.7

Worker characteristics

              

Management, professional, and related

4.2

0.00

0.00

0.00

51,055.73

9,460.44

4.2

    Professional and related

4.5

0.00

0.00

0.00

56,565.23

42,308.39

4.5

        Teachers

4.4

0.00

0.00

22,186.71

50,211.17

89,998.61

4.4

            Primary, secondary, and special education
             school teachers

5.3

0.00

0.00

–

–

45,370.70

5.3

Service

4.3

0.00

0.00

10,534.70

59,521.91

18,920.89

4.3

    Protective service

5.3

0.00

3,344.77

–

–

–

5.3

Sales and office

5.1

0.00

3,344.77

–

–

11,586.63

5.1

    Office and administrative support

5.3

0.00

12,568.51

–

–

6,689.54

5.3

Natural resources, construction, and maintenance

4.6

–

0.00

23,288.84

–

105,770.98

4.6

Production, transportation, and material moving

7.2

0.00

–

2,675.82

–

65,884.37

7.2

Full time

3.8

0.00

0.00

0.00

43,646.39

146,560.57

3.8

Part time

11.3

0.00

0.00

–

–

–

11.3

Union

3.6

2,317.33

0.00

12,059.75

–

22,186.71

3.6

Nonunion

4.9

0.00

–

4,013.73

66,563.48

47,772.90

4.9

Average wage within the following categories:2

              

    Lowest 25 percent

5.9

0.00

9,601.30

0.00

–

34,110.12

5.9

        Lowest 10 percent

8.4

0.00

–

0.00

–

96,882.98

8.4

    Second 25 percent

4.5

0.00

0.00

–

67,996.84

6,689.54

4.5

    Third 25 percent

5.1

0.00

0.00

11,369.86

70,580.24

128,153.23

5.1

    Highest 25 percent

2.8

0.00

0.00

15,047.76

–

76,857.01

2.8

        Highest 10 percent

4.7

12,797.85

0.00

29,380.73

–

112,734.20

4.7

Establishment characteristics

              

Service-providing industries

3.7

0.00

0.00

0.00

45,787.96

91,478.14

3.7

    Education and health services

4.5

0.00

0.00

2,675.82

68,547.43

51,816.99

4.5

        Educational services

4.5

0.00

0.00

0.00

–

65,543.88

4.5

            Elementary and secondary schools

4.9

0.00

0.00

0.00

28,966.58

49,384.97

4.9

            Junior colleges, colleges, and universities

4.8

11,073.17

0.00

27,189.52

–

–

4.8

        Health care and social assistance

7.2

1,337.91

–

–

133,120.25

–

7.2

            Hospitals

9.4

8,849.44

26,966.41

–

137,746.14

–

9.4

    Public administration

4.1

0.00

0.00

–

54,854.26

30,655.34

4.1

1 to 99 workers

7.8

0.00

16,923.36

–

–

–

7.8

    1 to 49 workers

9.4

14,838.13

–

–

–

–

9.4

    50 to 99 workers

10.5

0.00

29,916.55

–

69,197.18

0.00

10.5

100 workers or more

3.9

0.00

0.00

0.00

57,389.89

90,987.64

3.9

    100 to 499 workers

5.6

0.00

7,508.99

0.00

29,916.55

–

5.6

    500 workers or more

4.4

0.00

0.00

20,724.20

–

124,432.71

4.4

State government

6.2

–

0.00

–

–

120,411.79

6.2

Local government

3.4

0.00

0.00

0.00

58,318.09

103,417.84

3.4

Geographic areas

              

Northeast

4.9

–

3,277.19

0.00

20,079.78

–

4.9

    New England

13.0

7,079.55

–

7,079.55

–

–

13.0

    Middle Atlantic

5.3

7,235.85

0.00

0.00

–

83,552.38

5.3

South

5.4

0.00

–

0.00

66,223.11

–

5.4

    South Atlantic

5.5

0.00

–

0.00

70,529.50

–

5.5

    West South Central

6.1

0.00

0.00

–

66,560.12

–

6.1

Midwest

7.9

0.00

–

–

39,006.41

48,238.99

7.9

    East North Central

4.1

0.00

0.00

37,101.35

–

0.00

4.1

West

5.5

0.00

0.00

–

22,024.76

14,579.52

5.5

    Mountain

6.0

–

0.00

–

–

–

6.0

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: 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.