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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 2017
(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
49
20
26
5
1.5
1.3
Worker characteristics
             
Management, professional, and related
47
22
26
5
1.5
1.4
    Professional and related
48
23
24
5
1.5
1.3
        Teachers
44
25
24
8
1.5
1.5
            Primary, secondary, and special education
             school teachers
47
28
21
1.5
1.3
Service
52
18
21
9
1.5
1.0
    Protective service
51
24
1.6
Sales and office
50
19
28
3
1.4
    Office and administrative support
51
19
28
3
1.4
Natural resources, construction, and maintenance
53
12
33
1.4
Production, transportation, and material moving
48
30
1.4
1.3
Full time
49
20
26
5
1.5
1.3
Part time
53
15
29
1.4
Union
49
28
15
8
1.5
1.1
Nonunion
48
14
35
3
1.5
1.5
Average wage within the following categories:2
             
    Lowest 25 percent
53
19
25
3
1.4
1.0
        Lowest 10 percent
51
22
24
2
1.4
    Second 25 percent
48
20
27
5
1.5
1.4
    Third 25 percent
52
18
26
4
1.4
1.0
    Highest 25 percent
43
22
26
9
1.6
1.5
        Highest 10 percent
39
22
28
10
1.6
1.5
Establishment characteristics
             
Service-providing industries
49
20
26
5
1.5
1.3
    Education and health services
46
23
25
6
1.5
1.5
        Educational services
42
24
28
7
1.5
1.5
            Elementary and secondary schools
44
26
25
4
1.5
1.5
            Junior colleges, colleges, and universities
39
18
32
11
1.6
1.5
        Health care and social assistance
59
19
1.4
1.0
            Hospitals
64
16
1.4
1.0
    Public administration
53
18
24
6
1.4
1.0
1 to 99 workers
57
17
22
1.4
1.0
    1 to 49 workers
58
1.4
1.0
    50 to 99 workers
57
22
1.4
1.0
100 workers or more
47
21
27
6
1.5
1.5
    100 to 499 workers
41
26
28
5
1.5
1.5
    500 workers or more
49
19
26
6
1.5
1.2
State government
50
20
23
7
1.5
1.1
Local government
48
20
27
5
1.5
1.4
Geographic areas
             
Northeast
34
45
8
13
1.6
1.5
    New England
50
1.5
    Middle Atlantic
32
48
7
13
1.6
1.5
South
49
12
36
2
1.5
1.3
    South Atlantic
48
13
36
1.5
1.3
    East South Central
51
43
1.5
    West South Central
52
31
1.5
Midwest
48
23
22
6
1.4
    East North Central
51
13
28
9
1.5
    West North Central
44
43
11
1.3
West
63
10
23
1.4
1.0
    Mountain
54
31
1.4
1.0
    Pacific
72
13
1.4
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 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.