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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, civilian workers,1 March 2016
(All workers with fixed multiple of earnings formula life insurance coverage = 100 percent)
Characteristics With
maximum
benefit
amount
Maximum benefit amount2 With no
maximum
benefit
amount
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
All workers
76
$50,000
$70,000
$200,000
$500,000
$1,000,000
24
Worker characteristics
             
Management, professional, and related
77
50,000
100,000
300,000
750,000
23
    Management, business, and financial
80
50,000
100,000
300,000
750,000
20
    Professional and related
75
50,000
100,000
300,000
750,000
25
        Teachers
65
50,000
50,000
500,000
35
            Primary, secondary, and special education
             school teachers
57
50,000
50,000
100,000
500,000
43
        Registered nurses
81
50,000
300,000
750,000
1,000,000
19
Service
75
50,000
200,000
500,000
1,000,000
25
    Protective service
60
50,000
750,000
40
Sales and office
81
50,000
50,000
200,000
500,000
1,000,000
19
    Sales and related
84
50,000
50,000
100,000
500,000
1,000,000
16
    Office and administrative support
79
50,000
200,000
500,000
1,000,000
21
Natural resources, construction, and maintenance
70
50,000
50,000
200,000
500,000
30
    Construction, extraction, farming, fishing, and
     forestry
71
50,000
100,000
200,000
1,000,000
29
    Installation, maintenance, and repair
70
50,000
50,000
500,000
2,000,000
30
Production, transportation, and material moving
69
50,000
70,000
500,000
1,000,000
31
    Transportation and material moving
71
50,000
100,000
300,000
29
Full time
76
50,000
70,000
200,000
500,000
1,000,000
24
Part time
67
50,000
50,000
750,000
33
Union
61
50,000
150,000
400,000
1,000,000
39
Nonunion
79
50,000
75,000
250,000
500,000
1,000,000
21
Average wage within the following categories:3
             
    Lowest 25 percent
77
50,000
50,000
500,000
1,000,000
23
        Lowest 10 percent
80
50,000
500,000
1,000,000
20
    Second 25 percent
77
50,000
50,000
150,000
500,000
1,000,000
23
    Third 25 percent
76
50,000
200,000
500,000
1,000,000
24
    Highest 25 percent
75
50,000
100,000
300,000
25
        Highest 10 percent
76
50,000
100,000
300,000
1,000,000
2,000,000
24
Establishment characteristics
             
Service-providing industries
78
50,000
200,000
500,000
1,000,000
22
    Education and health services
75
50,000
200,000
500,000
1,000,000
25
        Educational services
66
50,000
50,000
300,000
500,000
34
            Elementary and secondary schools
53
50,000
50,000
100,000
250,000
300,000
47
            Junior colleges, colleges, and universities
80
50,000
50,000
400,000
500,000
20
        Health care and social assistance
79
50,000
100,000
500,000
1,000,000
21
            Hospitals
80
50,000
500,000
1,000,000
20
    Public administration
50
50,000
50,000
250,000
50
1 to 99 workers
79
50,000
50,000
170,000
500,000
1,000,000
21
    1 to 49 workers
82
50,000
50,000
500,000
1,000,000
18
    50 to 99 workers
74
50,000
200,000
500,000
1,000,000
26
100 workers or more
75
50,000
250,000
650,000
1,000,000
25
    100 to 499 workers
76
50,000
200,000
500,000
1,000,000
24
    500 workers or more
74
50,000
100,000
300,000
1,000,000
26
Geographic areas
             
Northeast
74
50,000
500,000
1,000,000
26
    New England
77
50,000
200,000
500,000
23
    Middle Atlantic
73
50,000
250,000
500,000
1,000,000
27
South
77
50,000
200,000
500,000
23
    South Atlantic
75
50,000
250,000
750,000
2,000,000
25
    East South Central
82
50,000
100,000
1,000,000
18
    West South Central
78
50,000
500,000
1,000,000
22
Midwest
75
50,000
70,000
250,000
500,000
1,000,000
25
    East North Central
77
50,000
500,000
23
    West North Central
71
50,000
50,000
250,000
500,000
1,000,000
29
West
77
50,000
200,000
1,000,000
23
    Mountain
81
50,000
200,000
1,000,000
1,000,000
19
    Pacific
75
50,000
200,000
25
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.
2The 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 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 2016.

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.