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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Flat-dollar amount benefit formulas

Table 21. Life insurance plans: Flat-dollar amount benefit formulas,1 private industry
workers, March 2016
(Includes workers participating in life insurance plans with flat-dollar amount formulas)
Characteristics Flat dollar amounts2
10th
percentile 		25th
percentile 		50th
percentile
(median) 		75th
percentile 		90th
percentile
All workers
$10,000
$10,000
$20,000
$30,000
$50,000
Worker characteristics
         
Management, professional, and related
10,000
15,000
25,000
50,000
50,000
    Management, business, and financial
10,000
15,000
25,000
50,000
50,000
    Professional and related
10,000
15,000
25,000
50,000
50,000
Service
10,000
10,000
15,000
20,000
30,000
    Protective service
5,000
–
10,000
10,000
–
Sales and office
10,000
–
20,000
50,000
50,000
    Sales and related
–
10,000
–
25,000
50,000
    Office and administrative support
10,000
15,000
–
50,000
50,000
Natural resources, construction, and maintenance
10,000
10,000
20,000
25,000
50,000
    Construction, extraction, farming, fishing, and
     forestry
–
10,000
20,000
25,000
50,000
Production, transportation, and material moving
10,000
15,000
20,000
25,000
45,000
    Transportation and material moving
10,000
–
20,000
30,000
45,000
Full time
10,000
–
20,000
30,000
50,000
Part time
5,000
5,000
–
–
50,000
Union
5,000
10,000
15,000
–
50,000
Nonunion
10,000
15,000
20,000
–
50,000
Average wage within the following categories:3
         
    Lowest 25 percent
5,000
10,000
15,000
20,000
25,000
        Lowest 10 percent
5,000
10,000
15,000
–
30,000
    Second 25 percent
10,000
–
20,000
25,000
50,000
    Third 25 percent
10,000
15,000
20,000
35,000
50,000
    Highest 25 percent
10,000
15,000
25,000
50,000
50,000
        Highest 10 percent
10,000
15,000
25,000
50,000
–
Establishment characteristics
         
Goods-producing industries:
     Construction
10,000
10,000
18,000
–
50,000
Service-providing industries
10,000
10,000
20,000
40,000
50,000
    Trade, transportation, and utilities
10,000
10,000
20,000
25,000
50,000
        Retail trade
5,000
10,000
15,000
20,000
–
        Transportation and warehousing
10,000
–
20,000
40,000
50,000
        Utilities
10,000
12,500
–
50,000
50,000
    Financial activities
15,000
15,000
–
50,000
50,000
        Finance and insurance
15,000
25,000
50,000
50,000
–
            Credit intermediation and related activities
–
20,000
25,000
50,000
–
            Insurance carriers and related activities
–
25,000
50,000
50,000
–
        Real estate and rental and leasing
–
15,000
15,000
–
50,000
    Professional and business services
10,000
–
–
50,000
50,000
        Professional and technical services
–
–
–
50,000
–
    Education and health services
10,000
–
–
50,000
50,000
        Educational services
10,000
–
–
50,000
50,000
            Junior colleges, colleges, and universities
10,000
10,000
–
50,000
50,000
        Health care and social assistance
10,000
–
–
50,000
50,000
    Leisure and hospitality
10,000
10,000
15,000
–
–
        Accommodation and food services
10,000
10,000
15,000
–
20,000
1 to 99 workers
10,000
15,000
20,000
40,000
50,000
    1 to 49 workers
10,000
15,000
20,000
40,000
50,000
    50 to 99 workers
10,000
15,000
20,000
–
50,000
100 workers or more
10,000
10,000
20,000
27,000
50,000
    100 to 499 workers
10,000
10,000
20,000
25,000
50,000
    500 workers or more
–
10,000
20,000
30,000
50,000
Geographic areas
         
Northeast
–
10,000
20,000
50,000
–
    New England
–
10,000
20,000
–
–
    Middle Atlantic
10,000
10,000
20,000
50,000
–
South
10,000
10,000
20,000
–
50,000
    South Atlantic
10,000
10,000
20,000
25,000
50,000
    East South Central
10,000
15,000
25,000
50,000
50,000
    West South Central
10,000
–
–
25,000
50,000
Midwest
10,000
15,000
20,000
25,000
50,000
    East North Central
10,000
15,000
20,000
25,000
50,000
West
10,000
–
20,000
–
50,000
    Mountain
10,000
–
20,000
–
50,000
    Pacific
–
15,000
20,000
–
50,000
1Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
shown. The remainin g 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: 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.