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Employee Benefits Survey
EBS EBS Program Links

Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 March
2017
(All workers with basic life insurance coverage = 100 percent)
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
57
2
38
3
1
Worker characteristics
         
Management, professional, and related
62
1
33
2
2
    Management, business, and financial
70
2
26
1
1
    Professional and related
58
1
36
3
2
        Teachers
36
1
55
4
5
            Primary, secondary, and special education
             school teachers
30
1
61
3
5
        Registered nurses
76
21
2
Service
47
1
48
3
1
    Protective service
40
2
52
5
2
Sales and office
61
3
34
2
1
    Sales and related
60
4
34
2
1
    Office and administrative support
62
2
34
2
1
Natural resources, construction, and maintenance
40
1
56
3
[2]
    Construction, extraction, farming, fishing, and
     forestry
23
72
4
    Installation, maintenance, and repair
52
1
44
2
1
Production, transportation, and material moving
52
1
42
4
1
    Transportation and material moving
52
2
41
4
1
Full time
57
2
38
2
1
Part time
46
3
46
5
1
Union
39
1
52
7
1
Nonunion
61
2
34
1
1
Average wage within the following categories:3
         
    Lowest 25 percent
47
1
48
2
1
        Lowest 10 percent
39
1
55
4
1
    Second 25 percent
54
2
41
2
1
    Third 25 percent
57
1
38
3
1
    Highest 25 percent
62
2
33
3
1
        Highest 10 percent
66
3
28
2
1
Establishment characteristics
         
Service-providing industries
57
2
37
2
1
    Education and health services
54
1
40
3
2
        Educational services
38
1
53
4
4
            Elementary and secondary schools
29
1
62
3
5
            Junior colleges, colleges, and universities
54
2
37
5
2
        Health care and social assistance
67
30
2
            Hospitals
80
17
1
    Public administration
36
2
52
7
3
1 to 99 workers
48
1
49
2
1
    1 to 49 workers
48
1
49
2
1
    50 to 99 workers
47
48
2
100 workers or more
62
2
32
3
1
    100 to 499 workers
58
3
35
2
1
    500 workers or more
65
1
29
3
1
Geographic areas
         
Northeast
62
2
31
4
[2]
    Middle Atlantic
62
30
5
South
58
2
36
2
2
    South Atlantic
65
1
29
1
3
    East South Central
53
37
4
    West South Central
51
46
1
Midwest
55
1
40
3
1
    East North Central
55
1
41
2
[2]
    West North Central
55
1
38
5
1
West
50
2
46
2
[2]
    Mountain
55
1
42
    Pacific
47
2
48
3
[2]
1Includes workers in private industry and state and local government. See Technical Note for further explanation.
2Less than 0.5.
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 2017.

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/glossary20162017.htm.

Source: Bureau of Labor Statistics, National Compensation Survey.