Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, civilian workers,1 March
2018
(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
56
2
38
3
1
Worker characteristics
         
Management, professional, and related
61
2
32
2
2
    Management, business, and financial
68
2
27
1
1
    Professional and related
58
2
35
3
2
        Teachers
34
2
56
4
4
            Primary, secondary, and special education
             school teachers
28
2
62
3
5
        Registered nurses
78
17
Service
49
1
46
3
1
    Protective service
39
1
53
5
2
Sales and office
59
3
35
2
1
    Sales and related
59
4
35
2
1
    Office and administrative support
59
2
35
3
1
Natural resources, construction, and maintenance
39
1
56
3
1
    Construction, extraction, farming, fishing, and
     forestry
18
77
4
    Installation, maintenance, and repair
54
1
41
3
1
Production, transportation, and material moving
50
2
43
5
1
    Production
48
45
5
    Transportation and material moving
52
2
41
5
1
Full time
56
2
38
3
1
Part time
49
4
42
6
1
Union
39
2
50
8
1
Nonunion
60
2
35
2
1
Average wage within the following categories:2
         
    Lowest 25 percent
46
1
49
3
1
        Lowest 10 percent
32
63
4
    Second 25 percent
52
2
42
2
1
    Third 25 percent
56
2
38
4
1
    Highest 25 percent
62
2
32
3
1
        Highest 10 percent
65
2
28
2
2
Establishment characteristics
         
Service-providing industries
57
2
37
3
1
    Education and health services
54
2
39
3
2
        Educational services
38
2
53
4
4
            Elementary and secondary schools
29
2
61
3
4
            Junior colleges, colleges, and universities
54
3
36
5
3
        Health care and social assistance
67
28
3
            Hospitals
81
16
2
    Public administration
35
2
53
7
3
1 to 99 workers
47
1
49
1
1
    1 to 49 workers
48
1
48
1
1
    50 to 99 workers
45
51
2
100 workers or more
61
2
32
4
1
    100 to 499 workers
57
3
35
3
1
    500 workers or more
64
2
29
4
1
Geographic areas
         
Northeast
62
2
30
5
1
    New England
60
33
4
    Middle Atlantic
63
2
29
6
1
South
57
2
36
2
2
    South Atlantic
60
3
32
2
3
    East South Central
57
34
5
    West South Central
53
1
45
1
1
Midwest
54
1
41
3
1
    East North Central
54
1
42
2
[3]
    West North Central
56
1
37
4
1
West
50
1
46
2
1
    Mountain
54
42
2
    Pacific
48
2
48
2
1
1Includes workers in private industry and state and local government. See Technical Note for further explanation.
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 2018.
3Less than 0.5.

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/national-compensation-survey-glossary-of-employee-benefit-terms.htm.

Source: U.S. Bureau of Labor Statistics, National Compensation Survey.