Standard Errors
Life insurance plans: Flat-dollar amount benefit formulas

Table 21. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1
civilian workers,2 March 2018
Characteristics Flat dollar amounts3
10th
percentile 		25th
percentile 		50th
percentile
(median) 		75th
percentile 		90th
percentile
All workers
$0.00
$816.09
$0.00
$2,737.24
$0.00
Worker characteristics
         
Management, professional, and related
–
0.00
0.00
0.00
0.00
    Management, business, and financial
2,064.56
456.21
0.00
0.00
0.00
    Professional and related
364.97
735.61
0.00
0.00
0.00
        Teachers
258.07
2,867.94
0.00
0.00
0.00
            Primary, secondary, and special education
             school teachers
–
1,416.45
0.00
0.00
0.00
        Registered nurses
965.61
0.00
–
9,791.23
–
Service
0.00
0.00
0.00
5,073.55
5,573.28
    Protective service
0.00
0.00
3,723.33
–
0.00
Sales and office
645.17
–
0.00
–
0.00
    Sales and related
2,040.22
3,871.05
0.00
0.00
0.00
    Office and administrative support
1,526.76
–
0.00
5,049.79
0.00
Natural resources, construction, and maintenance
0.00
2,042.26
0.00
–
0.00
    Construction, extraction, farming, fishing, and
     forestry
–
0.00
0.00
0.00
0.00
    Installation, maintenance, and repair
0.00
3,556.08
0.00
6,739.53
0.00
Production, transportation, and material moving
0.00
0.00
0.00
408.04
3,339.99
    Production
0.00
774.21
0.00
258.07
816.09
    Transportation and material moving
0.00
1,590.85
0.00
4,525.43
10,319.56
Full time
0.00
3,251.58
0.00
982.70
0.00
Part time
0.00
0.00
3,687.10
–
0.00
Union
0.00
0.00
0.00
4,470.62
0.00
Nonunion
0.00
3,120.94
0.00
–
0.00
Average wage within the following categories:4
         
    Lowest 25 percent
0.00
0.00
0.00
0.00
4,108.90
        Lowest 10 percent
0.00
1,824.83
1,860.97
3,977.12
1,290.35
    Second 25 percent
0.00
2,869.76
0.00
5,624.50
0.00
    Third 25 percent
0.00
3,719.70
1,824.83
7,966.76
0.00
    Highest 25 percent
965.61
3,873.20
0.00
0.00
0.00
        Highest 10 percent
1,210.45
–
6,948.74
0.00
9,562.52
Establishment characteristics
         
Service-providing industries
–
0.00
0.00
8,120.37
0.00
    Education and health services
0.00
0.00
5,292.00
4,953.25
0.00
        Educational services
0.00
–
0.00
0.00
0.00
            Elementary and secondary schools
–
2,227.49
0.00
0.00
0.00
            Junior colleges, colleges, and universities
0.00
–
0.00
8,916.09
0.00
        Health care and social assistance
–
0.00
5,161.40
–
0.00
            Hospitals
0.00
0.00
–
11,807.82
–
    Public administration
0.00
0.00
0.00
9,077.37
0.00
1 to 99 workers
0.00
605.23
0.00
6,261.82
0.00
    1 to 49 workers
0.00
–
0.00
10,766.84
0.00
    50 to 99 workers
0.00
0.00
3,413.94
9,784.55
0.00
100 workers or more
965.61
0.00
0.00
3,633.65
0.00
    100 to 499 workers
0.00
–
0.00
5,119.29
0.00
    500 workers or more
0.00
0.00
0.00
8,065.29
0.00
Geographic areas
         
Northeast
258.07
0.00
5,735.89
0.00
0.00
    New England
0.00
0.00
3,981.31
–
7,795.67
    Middle Atlantic
0.00
0.00
2,593.57
0.00
0.00
South
0.00
1,404.64
2,072.61
1,340.97
0.00
    South Atlantic
0.00
–
2,737.24
0.00
0.00
    East South Central
0.00
0.00
2,414.02
–
0.00
    West South Central
–
0.00
–
–
0.00
Midwest
0.00
0.00
4,652.42
7,310.71
0.00
    East North Central
0.00
694.87
2,885.31
7,703.29
0.00
    West North Central
0.00
752.40
5,080.11
–
0.00
West
577.06
816.09
0.00
6,555.37
0.00
    Mountain
0.00
4,051.78
1,290.35
0.00
0.00
    Pacific
0.00
0.00
0.00
9,421.47
0.00
1Includes participants in plans providing a fixed benefit amount. Dollar amounts can be a flat amount or can vary by the
employee’s earnings or length of service.
2Includes workers in private industry and state and local government. See Technical Note for further explanation.
3The 10th, 25th, 50th, 75th, and 90th percentiles designate position within each published series. For example, at the 50th
percentile or median, half of participating workers receive the same as or more than the amount shown, and half receive the same as
or less than the amount shown. At the 25th percentile, one-fourth of participating workers receive the same or less than the amount
shown. The remaining percentiles follow the same logic.
4Surveyed 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.

Note: 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.