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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 2017
(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
77
$50,000
$200,000
$500,000
$1,000,000
23
Worker characteristics
             
Management, professional, and related
77
50,000
$100,000
300,000
750,000
1,500,000
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
62
50,000
50,000
200,000
500,000
38
            Primary, secondary, and special education
             school teachers
54
50,000
50,000
500,000
46
        Registered nurses
81
50,000
300,000
1,000,000
19
Service
77
50,000
50,000
200,000
500,000
1,000,000
23
    Protective service
70
50,000
150,000
500,000
30
Sales and office
82
50,000
50,000
200,000
500,000
1,000,000
18
    Sales and related
85
50,000
50,000
500,000
1,000,000
15
    Office and administrative support
81
50,000
70,000
200,000
500,000
1,000,000
19
Natural resources, construction, and maintenance
74
50,000
50,000
200,000
500,000
26
    Installation, maintenance, and repair
72
50,000
50,000
500,000
28
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
77
50,000
200,000
500,000
1,000,000
23
Part time
64
50,000
500,000
36
Union
64
50,000
150,000
1,000,000
36
Nonunion
79
50,000
250,000
500,000
1,000,000
21
Average wage within the following categories:3
             
    Lowest 25 percent
77
50,000
50,000
200,000
500,000
1,000,000
23
        Lowest 10 percent
83
50,000
1,000,000
17
    Second 25 percent
78
50,000
50,000
150,000
500,000
1,000,000
22
    Third 25 percent
77
50,000
70,000
200,000
500,000
1,000,000
23
    Highest 25 percent
76
50,000
100,000
300,000
1,000,000
24
        Highest 10 percent
76
50,000
300,000
1,000,000
2,000,000
24
Establishment characteristics
             
Service-providing industries
79
50,000
200,000
500,000
1,000,000
21
    Education and health services
75
50,000
200,000
500,000
1,000,000
25
        Educational services
63
50,000
50,000
300,000
500,000
37
            Elementary and secondary schools
50
50,000
50,000
300,000
400,000
50
            Junior colleges, colleges, and universities
77
50,000
50,000
400,000
500,000
23
        Health care and social assistance
80
50,000
100,000
500,000
1,000,000
20
            Hospitals
81
50,000
200,000
500,000
750,000
1,000,000
19
    Public administration
59
40,000
300,000
500,000
41
1 to 99 workers
79
50,000
50,000
185,000
500,000
1,000,000
21
    1 to 49 workers
84
50,000
50,000
175,000
500,000
1,000,000
16
    50 to 99 workers
70
50,000
200,000
500,000
1,000,000
30
100 workers or more
76
50,000
70,000
250,000
600,000
1,000,000
24
    100 to 499 workers
76
50,000
200,000
500,000
1,000,000
24
    500 workers or more
77
50,000
300,000
1,000,000
1,000,000
23
Geographic areas
             
Northeast
74
50,000
200,000
500,000
1,000,000
26
    Middle Atlantic
73
50,000
50,000
500,000
1,000,000
27
South
78
50,000
225,000
500,000
22
    South Atlantic
77
50,000
250,000
750,000
23
    East South Central
79
50,000
500,000
1,000,000
21
    West South Central
79
50,000
200,000
500,000
21
Midwest
77
50,000
70,000
250,000
500,000
23
    East North Central
79
50,000
250,000
21
    West North Central
72
50,000
50,000
500,000
1,000,000
28
West
79
50,000
200,000
1,000,000
21
    Mountain
81
50,000
250,000
1,000,000
1,000,000
19
    Pacific
77
50,000
50,000
200,000
1,200,000
23
1Includes workers in private industry and state and local 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 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.