Department of Labor Logo United States Department of Labor
Dot gov

The .gov means it's official.
Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you're on a federal government site.

Https

The site is secure.
The https:// ensures that you are connecting to the official website and that any information you provide is encrypted and transmitted securely.

Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 March
2016
(All workers with basic life insurance coverage = 100 percent)
Characteristics Basic life insurance method of payment
Fixed
multiple of
annual
earnings
Variable
multiple of
annual
earnings
Flat dollar
amount
Variable
dollar
amount
Other
All workers
57
2
38
2
1
Worker characteristics
         
Management, professional, and related
63
1
33
2
1
    Management, business, and financial
70
2
26
1
1
    Professional and related
59
1
36
2
1
        Teachers
40
1
53
4
3
            Primary, secondary, and special education
             school teachers
33
1
59
4
3
        Registered nurses
74
24
2
Service
50
1
44
3
1
    Protective service
40
3
52
5
1
Sales and office
61
2
34
2
1
    Sales and related
60
34
2
    Office and administrative support
62
2
34
2
1
Natural resources, construction, and maintenance
40
1
55
3
1
    Construction, extraction, farming, fishing, and
     forestry
25
70
4
    Installation, maintenance, and repair
52
1
45
2
1
Production, transportation, and material moving
52
1
43
3
1
    Transportation and material moving
53
2
41
3
1
Full time
58
2
37
2
1
Part time
51
42
5
Union
40
1
51
7
1
Nonunion
62
2
34
1
1
Average wage within the following categories:2
         
    Lowest 25 percent
50
1
47
2
1
        Lowest 10 percent
42
54
3
    Second 25 percent
54
2
41
2
1
    Third 25 percent
57
1
37
3
1
    Highest 25 percent
63
2
32
2
1
        Highest 10 percent
67
2
28
2
1
Establishment characteristics
         
Service-providing industries
59
2
36
2
1
    Education and health services
55
1
39
3
1
        Educational services
42
1
50
4
3
            Elementary and secondary schools
33
59
4
            Junior colleges, colleges, and universities
60
2
33
4
1
        Health care and social assistance
66
31
2
            Hospitals
76
21
2
    Public administration
36
3
52
7
2
1 to 99 workers
49
48
2
    1 to 49 workers
50
[3]
47
1
1
    50 to 99 workers
47
49
2
100 workers or more
62
2
33
3
1
    100 to 499 workers
60
3
34
2
[3]
    500 workers or more
63
1
31
3
1
Geographic areas
         
Northeast
62
31
4
    New England
62
33
2
    Middle Atlantic
63
31
5
South
60
2
35
1
2
    South Atlantic
65
2
30
1
3
    East South Central
54
37
3
    West South Central
54
43
1
Midwest
56
1
40
3
[3]
    East North Central
55
1
41
2
1
    West North Central
57
37
4
West
51
2
45
2
[3]
    Mountain
55
1
43
    Pacific
49
47
3
1Includes workers in the private nonfarm economy except those in private households, and workers in the public sector, except
the federal government. See Technical Note for further explanation.
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 2016.
3Less than 0.5.

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.