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: Fixed multiple of annual earnings benefit formulas

Table 19. Life insurance plans: Fixed multiple of annual earnings benefit formulas, State and local
government workers, March 2016
(All workers with fixed multiple of annual earnings formula life insurance coverage = 100 percent)
Characteristics Multiple of annual earnings amounts1 Mean
multiple of
annual
earnings
Median
multiple of
annual
earnings
Less than
1.0 times
earnings
1.0 times
earnings
Over 1.0
and under
2.0 times
earnings
2.0 times
earnings
Greater
than 2.0
times
earnings
All workers
47
21
28
1.4
1.5
Worker characteristics
             
Management, professional, and related
46
22
29
1.4
1.5
    Professional and related
46
22
29
3
1.4
1.5
        Teachers
45
22
30
3
1.5
1.5
            Primary, secondary, and special education
             school teachers
47
24
28
1.4
1.5
Service
50
17
27
6
1.5
    Protective service
55
10
24
1.6
1.0
Sales and office
50
22
26
1.4
    Office and administrative support
50
23
25
1.4
Natural resources, construction, and maintenance
47
23
27
1.4
1.4
Production, transportation, and material moving
37
38
22
1.5
1.5
Full time
47
21
28
1.5
1.5
Part time
56
31
1.3
1.0
Union
55
29
12
1.4
1.0
Nonunion
42
16
40
1.5
1.5
Average wage within the following categories:2
             
    Lowest 25 percent
46
22
31
1.4
1.5
        Lowest 10 percent
43
1.5
1.5
    Second 25 percent
50
19
29
3
1.4
    Third 25 percent
52
20
26
1.4
    Highest 25 percent
41
25
26
1.5
1.5
        Highest 10 percent
43
26
8
1.5
1.5
Establishment characteristics
             
Service-providing industries
47
21
28
1.4
1.5
    Education and health services
45
21
32
2
1.5
1.5
        Educational services
42
21
34
2
1.5
1.5
            Elementary and secondary schools
43
26
31
1
1.5
1.5
            Junior colleges, colleges, and universities
43
4
1.6
        Health care and social assistance
60
21
1.3
1.0
            Hospitals
59
1.3
    Public administration
56
19
19
1.4
1.0
1 to 99 workers
56
1.4
    1 to 49 workers
52
1.5
    50 to 99 workers
60
1.3
100 workers or more
47
21
29
1.5
1.5
    100 to 499 workers
41
27
27
6
1.5
1.5
    500 workers or more
48
20
29
1.4
1.4
State government
47
18
3
1.5
1.5
Local government
47
23
26
1.4
1.5
Geographic areas
             
Northeast
31
50
6
13
1.6
1.5
    Middle Atlantic
26
53
6
15
1.7
1.5
South
41
14
43
1.5
1.5
    South Atlantic
47
14
38
1.5
    East South Central
66
1.7
2.0
    West South Central
36
30
1.5
1.5
Midwest
55
2
1.3
1.0
    East North Central
70
11
15
4
1.3
1.0
    West North Central
35
1.5
1.5
West
76
1.2
1.0
    Mountain
70
1.2
1.0
    Pacific
82
1.1
1.0
1Includes participants in plans in which insurance equaled a multiple of earnings plus or minus a specified amount.
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: 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.