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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
2017
(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
57
$50,000
$50,000
$150,000
$300,000
$500,000
43
Worker characteristics
             
Management, professional, and related
55
50,000
50,000
150,000
300,000
500,000
45
    Professional and related
54
50,000
50,000
250,000
500,000
46
        Teachers
48
50,000
50,000
250,000
400,000
52
            Primary, secondary, and special education
             school teachers
44
50,000
50,000
250,000
56
Service
54
40,000
50,000
150,000
300,000
500,000
46
    Protective service
58
40,000
150,000
300,000
42
Sales and office
63
40,000
50,000
250,000
500,000
37
    Office and administrative support
64
40,000
50,000
250,000
500,000
36
Natural resources, construction, and maintenance
69
50,000
100,000
300,000
31
Production, transportation, and material moving
68
50,000
50,000
500,000
32
Full time
58
50,000
50,000
150,000
300,000
500,000
42
Part time
31
50,000
50,000
500,000
69
Union
59
40,000
50,000
150,000
250,000
500,000
41
Nonunion
56
50,000
50,000
150,000
320,000
500,000
44
Average wage within the following categories:2
             
    Lowest 25 percent
59
40,000
50,000
300,000
500,000
41
        Lowest 10 percent
54
50,000
100,000
500,000
46
    Second 25 percent
63
50,000
150,000
250,000
500,000
37
    Third 25 percent
58
50,000
50,000
150,000
300,000
500,000
42
    Highest 25 percent
50
50,000
50,000
250,000
500,000
50
        Highest 10 percent
49
50,000
50,000
250,000
500,000
51
Establishment characteristics
             
Service-providing industries
57
50,000
50,000
150,000
300,000
500,000
43
    Education and health services
54
50,000
50,000
100,000
250,000
500,000
46
        Educational services
51
50,000
50,000
100,000
250,000
400,000
49
            Elementary and secondary schools
45
50,000
50,000
250,000
55
            Junior colleges, colleges, and universities
63
50,000
100,000
250,000
400,000
37
        Health care and social assistance
63
50,000
50,000
500,000
37
            Hospitals
66
50,000
500,000
500,000
34
    Public administration
59
40,000
300,000
500,000
41
1 to 99 workers
43
40,000
250,000
500,000
57
    1 to 49 workers
57
40,000
43
    50 to 99 workers
36
250,000
64
100 workers or more
60
50,000
50,000
150,000
300,000
500,000
40
    100 to 499 workers
54
40,000
50,000
350,000
46
    500 workers or more
63
50,000
50,000
150,000
300,000
500,000
37
State government
60
40,000
50,000
200,000
400,000
40
Local government
56
50,000
175,000
300,000
500,000
44
Geographic areas
             
Northeast
32
40,000
40,000
40,000
68
    Middle Atlantic
33
40,000
40,000
40,000
67
South
59
50,000
150,000
300,000
500,000
41
    South Atlantic
51
50,000
100,000
200,000
350,000
500,000
49
    West South Central
69
50,000
50,000
31
Midwest
56
50,000
250,000
500,000
44
    East North Central
57
50,000
50,000
200,000
43
    West North Central
54
400,000
500,000
46
West
81
50,000
50,000
150,000
300,000
500,000
19
    Mountain
79
50,000
100,000
175,000
300,000
500,000
21
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 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.