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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, private industry 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

78

$50,000

$75,000

$250,000

$500,000

$1,000,000

22

Worker characteristics

             

Management, professional, and related

80

50,000

100,000

300,000

750,000

1,500,000

20

    Management, business, and financial

80

50,000

100,000

300,000

750,000

20

    Professional and related

81

50,000

100,000

300,000

750,000

19

Service

83

50,000

50,000

200,000

500,000

1,000,000

17

Sales and office

82

50,000

50,000

200,000

500,000

1,000,000

18

    Sales and related

83

50,000

50,000

100,000

500,000

1,000,000

17

    Office and administrative support

82

50,000

200,000

500,000

18

Natural resources, construction, and maintenance

66

50,000

200,000

34

    Construction, extraction, farming, fishing, and
     forestry

73

200,000

1,000,000

27

    Installation, maintenance, and repair

64

50,000

50,000

200,000

2,000,000

36

Production, transportation, and material moving

68

50,000

70,000

200,000

500,000

1,000,000

32

    Transportation and material moving

72

50,000

500,000

1,000,000

28

Full time

79

50,000

250,000

600,000

1,000,000

21

Part time

69

50,000

50,000

750,000

31

Nonunion

80

50,000

250,000

600,000

1,000,000

20

Average wage within the following categories:2

             

    Lowest 25 percent

78

50,000

50,000

200,000

500,000

1,000,000

22

        Lowest 10 percent

77

50,000

23

    Second 25 percent

81

50,000

50,000

170,000

500,000

1,000,000

19

    Third 25 percent

78

50,000

100,000

200,000

500,000

1,000,000

22

    Highest 25 percent

77

50,000

100,000

300,000

1,000,000

2,000,000

23

        Highest 10 percent

79

50,000

100,000

300,000

1,000,000

2,000,000

21

Establishment characteristics

             

Goods-producing industries

67

50,000

100,000

300,000

600,000

1,000,000

33

    Construction

78

50,000

50,000

100,000

500,000

22

    Manufacturing

67

50,000

100,000

300,000

700,000

1,000,000

33

Service-providing industries

81

50,000

70,000

250,000

500,000

1,000,000

19

    Trade, transportation, and utilities

77

50,000

50,000

500,000

1,000,000

23

        Wholesale trade

82

50,000

250,000

500,000

1,000,000

18

        Retail trade

75

50,000

50,000

50,000

500,000

1,500,000

25

        Transportation and warehousing

78

50,000

70,000

100,000

300,000

500,000

22

        Utilities

63

50,000

1,000,000

37

    Information

67

50,000

500,000

2,000,000

33

    Financial activities

86

50,000

100,000

250,000

600,000

2,000,000

14

        Finance and insurance

85

50,000

100,000

255,000

700,000

2,000,000

15

            Credit intermediation and related activities

89

50,000

100,000

250,000

650,000

2,000,000

11

            Insurance carriers and related activities

75

1,000,000

25

    Professional and business services

80

50,000

100,000

1,000,000

2,000,000

20

        Professional and technical services

86

50,000

100,000

750,000

1,000,000

14

    Education and health services

83

50,000

100,000

250,000

500,000

1,000,000

17

        Educational services

87

50,000

50,000

200,000

400,000

500,000

13

            Junior colleges, colleges, and universities

87

50,000

50,000

200,000

500,000

500,000

13

        Health care and social assistance

82

50,000

100,000

250,000

500,000

1,000,000

18

1 to 99 workers

81

50,000

200,000

500,000

1,000,000

19

    1 to 49 workers

83

50,000

200,000

500,000

1,000,000

17

    50 to 99 workers

76

50,000

200,000

500,000

24

100 workers or more

77

50,000

300,000

750,000

1,000,000

23

    100 to 499 workers

79

50,000

50,000

200,000

500,000

1,000,000

21

    500 workers or more

76

50,000

100,000

400,000

1,000,000

24

Geographic areas

             

Northeast

77

50,000

100,000

250,000

500,000

1,000,000

23

    New England

73

50,000

100,000

200,000

500,000

1,000,000

27

    Middle Atlantic

78

50,000

100,000

250,000

500,000

1,000,000

22

South

82

50,000

250,000

750,000

1,750,000

18

    South Atlantic

82

50,000

300,000

1,000,000

2,000,000

18

    East South Central

81

50,000

200,000

500,000

1,000,000

19

    West South Central

82

50,000

250,000

18

Midwest

75

50,000

250,000

500,000

1,000,000

25

    East North Central

76

50,000

100,000

300,000

500,000

24

    West North Central

73

50,000

50,000

250,000

500,000

1,000,000

27

West

77

50,000

50,000

200,000

500,000

1,000,000

23

    Mountain

84

50,000

1,000,000

16

    Pacific

74

50,000

50,000

200,000

500,000

1,000,000

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.