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Employee Benefits Survey
EBS EBS Program Links

Standard Errors
Life insurance plans: Method of benefit payment

Table 18. Standard errors for life insurance plans: Method of benefit payment, civilian
workers,1 March 2016
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
1.0
0.2
0.9
0.2
0.1
Worker characteristics
         
Management, professional, and related
1.5
0.2
1.4
0.2
0.2
    Management, business, and financial
1.7
0.3
1.5
0.3
0.3
    Professional and related
1.8
0.2
1.7
0.3
0.2
        Teachers
2.6
0.3
2.5
0.7
0.6
            Primary, secondary, and special education
             school teachers
3.0
0.4
2.9
0.9
0.7
        Registered nurses
3.6
–
3.4
0.7
–
Service
2.4
0.3
2.3
0.5
0.2
    Protective service
3.6
0.7
3.8
1.3
0.2
Sales and office
1.2
0.6
1.2
0.3
0.2
    Sales and related
2.1
–
2.1
0.4
–
    Office and administrative support
1.5
0.4
1.5
0.3
0.2
Natural resources, construction, and maintenance
1.6
0.3
1.7
0.5
0.2
    Construction, extraction, farming, fishing, and
     forestry
2.5
–
2.8
1.2
–
    Installation, maintenance, and repair
2.0
0.4
1.9
0.4
0.3
Production, transportation, and material moving
1.9
0.3
1.9
0.5
0.3
    Transportation and material moving
2.3
0.4
2.4
0.7
0.5
Full time
0.9
0.2
0.9
0.2
0.2
Part time
3.4
–
3.5
0.9
–
Union
1.6
0.2
1.4
0.6
0.2
Nonunion
1.1
0.3
1.1
0.2
0.2
Average wage within the following categories:2
         
    Lowest 25 percent
2.1
0.2
2.0
0.3
0.2
        Lowest 10 percent
4.4
–
4.3
1.1
–
    Second 25 percent
1.3
0.3
1.3
0.3
0.2
    Third 25 percent
1.4
0.2
1.3
0.3
0.2
    Highest 25 percent
1.3
0.4
1.3
0.3
0.1
        Highest 10 percent
1.9
0.7
1.7
0.3
0.2
Establishment characteristics
         
Service-providing industries
1.1
0.2
1.1
0.2
0.2
    Education and health services
2.4
0.2
2.2
0.5
0.3
        Educational services
2.4
0.4
2.3
0.5
0.7
            Elementary and secondary schools
2.4
–
2.3
0.6
–
            Junior colleges, colleges, and universities
4.2
1.0
4.0
0.9
0.6
        Health care and social assistance
3.6
–
3.3
0.8
–
            Hospitals
2.1
–
1.9
0.6
–
    Public administration
2.5
0.6
2.6
0.7
0.5
1 to 99 workers
1.9
–
1.9
0.2
–
    1 to 49 workers
2.0
0.1
1.9
0.3
0.3
    50 to 99 workers
3.3
–
3.4
0.6
–
100 workers or more
1.1
0.2
1.0
0.3
0.2
    100 to 499 workers
1.6
0.4
1.6
0.4
0.2
    500 workers or more
1.3
0.3
1.1
0.3
0.3
Geographic areas
         
Northeast
1.8
–
1.6
0.6
–
    New England
2.9
–
3.1
0.9
–
    Middle Atlantic
2.2
–
1.9
0.6
–
South
1.5
0.5
1.4
0.2
0.4
    South Atlantic
2.2
0.3
1.8
0.2
0.6
    East South Central
3.2
–
3.9
1.0
–
    West South Central
2.6
–
2.6
0.3
–
Midwest
2.1
0.2
2.1
0.5
0.2
    East North Central
2.8
0.2
2.9
0.3
0.2
    West North Central
3.1
–
2.8
1.3
–
West
2.4
0.4
2.4
0.5
0.1
    Mountain
3.3
0.4
3.5
–
–
    Pacific
3.2
–
3.1
0.6
–
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.

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/glossary20152016.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.