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Life insurance plans: Flat-dollar amount benefit formulas

Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 State and local
government workers, National Compensation Survey, March 2015

(Includes workers participating in life insurance plans with flat-dollar amount formulas)

Characteristics

Flat dollar amounts2

10th
percentile

25th
percentile

50th
percentile
(median)

75th
percentile

90th
percentile

All workers

$5,000

$10,000

$20,000

$40,000

$50,000

Worker characteristics

         

Management, professional, and related

5,000

10,000

20,000

41,116

50,000

    Professional and related

5,000

10,000

20,000

41,116

50,000

        Teachers

10,000

25,000

50,000

50,000

            Primary, secondary, and special education
             school teachers

10,000

25,000

50,000

50,000

Service

5,000

10,000

20,000

40,000

50,000

    Protective service

5,000

10,000

20,000

36,225

50,000

Sales and office

5,000

10,000

20,000

30,000

50,000

    Office and administrative support

5,000

10,000

20,000

30,000

50,000

Natural resources, construction, and maintenance

10,000

20,000

30,000

50,000

Production, transportation, and material moving

10,000

20,000

30,000

50,000

Full time

5,000

10,000

20,000

40,000

50,000

Part time

15,000

25,000

50,000

50,000

Union

5,000

10,000

25,000

50,000

50,000

Nonunion

5,000

10,000

25,000

50,000

Average wage within the following categories:3

         

    Lowest 25 percent

10,000

20,000

25,000

50,000

        Lowest 10 percent

10,000

15,000

25,000

50,000

    Second 25 percent

5,000

10,000

20,000

30,000

50,000

    Third 25 percent

5,000

10,000

20,000

40,000

50,000

    Highest 25 percent

5,000

10,000

25,000

50,000

50,000

        Highest 10 percent

5,000

50,000

50,000

Establishment characteristics

         

Service-providing industries

5,000

10,000

20,000

40,000

50,000

    Education and health services

5,000

10,000

20,000

41,116

50,000

        Educational services

5,000

10,000

20,000

45,000

50,000

            Elementary and secondary schools

10,000

50,000

50,000

            Junior colleges, colleges, and universities

5,000

20,000

25,000

50,000

        Health care and social assistance

5,000

10,000

20,000

25,000

50,000

            Hospitals

5,000

10,000

20,000

25,000

50,000

    Public administration

5,000

10,000

20,000

30,000

50,000

1 to 99 workers

10,000

20,000

30,000

50,000

    1 to 49 workers

10,000

10,000

20,000

30,000

50,000

    50 to 99 workers

20,000

50,000

100 workers or more

5,000

10,000

20,000

40,000

50,000

    100 to 499 workers

10,000

10,000

20,000

37,500

50,000

    500 workers or more

5,000

10,000

20,000

40,000

50,000

State government

5,000

5,000

20,000

25,000

50,000

Local government

10,000

20,000

50,000

50,000

Geographic areas

         

Northeast

5,000

5,000

25,000

50,000

50,000

    New England

5,000

5,000

20,000

50,000

    Middle Atlantic

5,000

40,000

50,000

50,000

South

5,000

10,000

15,000

25,000

30,000

    South Atlantic

10,000

25,000

30,000

    East South Central

10,000

10,000

20,000

50,000

    West South Central

5,000

10,000

15,000

20,000

Midwest

10,000

20,000

25,000

50,000

50,000

    East North Central

20,000

30,000

50,000

50,000

    West North Central

10,000

15,000

20,000

45,000

50,000

West

5,000

10,000

20,000

50,000

50,000

    Mountain

10,000

15,000

20,000

50,000

50,000

    Pacific

5,000

10,000

25,000

50,000

50,000

1Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.

2The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
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: 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.