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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Maximum benefit amount

Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, March
2016
(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
54
$50,000
$50,000
$100,000
$250,000
$500,000
46
Worker characteristics
             
Management, professional, and related
55
50,000
50,000
100,000
250,000
400,000
45
    Professional and related
55
50,000
50,000
100,000
250,000
400,000
45
        Teachers
54
50,000
50,000
100,000
250,000
350,000
46
            Primary, secondary, and special education
             school teachers
49
50,000
50,000
200,000
250,000
51
Service
55
50,000
250,000
45
    Protective service
50
50,000
280,000
750,000
50
Sales and office
51
50,000
50,000
500,000
49
    Office and administrative support
51
50,000
500,000
49
Natural resources, construction, and maintenance
47
50,000
100,000
200,000
53
Production, transportation, and material moving
45
50,000
100,000
55
Full time
54
50,000
50,000
100,000
250,000
500,000
46
Part time
37
50,000
150,000
63
Union
52
50,000
50,000
250,000
400,000
48
Nonunion
55
50,000
100,000
250,000
500,000
45
Average wage within the following categories:2
             
    Lowest 25 percent
57
50,000
100,000
200,000
500,000
43
        Lowest 10 percent
61
50,000
100,000
39
    Second 25 percent
55
50,000
50,000
250,000
400,000
45
    Third 25 percent
52
50,000
50,000
250,000
500,000
48
    Highest 25 percent
52
50,000
50,000
100,000
300,000
600,000
48
        Highest 10 percent
56
50,000
50,000
100,000
500,000
44
Establishment characteristics
             
Service-providing industries
54
50,000
50,000
100,000
250,000
500,000
46
    Education and health services
57
50,000
50,000
100,000
250,000
400,000
43
        Educational services
57
50,000
50,000
100,000
250,000
400,000
43
            Elementary and secondary schools
49
50,000
50,000
100,000
200,000
300,000
51
            Junior colleges, colleges, and universities
74
50,000
50,000
100,000
26
        Health care and social assistance
56
50,000
500,000
44
            Hospitals
59
100,000
41
    Public administration
50
50,000
50,000
250,000
50
1 to 99 workers
35
50,000
100,000
65
    1 to 49 workers
31
50,000
69
100 workers or more
55
50,000
50,000
100,000
250,000
500,000
45
    100 to 499 workers
50
50,000
100,000
200,000
350,000
50
    500 workers or more
57
50,000
50,000
500,000
43
State government
59
50,000
41
Local government
51
50,000
50,000
100,000
250,000
500,000
49
Geographic areas
             
Northeast
33
40,000
50,000
350,000
67
    New England
53
50,000
100,000
47
    Middle Atlantic
30
25,000
40,000
50,000
350,000
70
South
58
50,000
100,000
250,000
42
    South Atlantic
45
50,000
200,000
750,000
55
    West South Central
58
50,000
50,000
250,000
42
Midwest
49
50,000
400,000
500,000
51
    East North Central
49
50,000
50,000
150,000
200,000
300,000
51
West
76
50,000
50,000
300,000
24
    Mountain
80
50,000
50,000
20
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 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 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.