Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, 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
36
2
53
6
3
Worker characteristics
         
Management, professional, and related
34
3
54
5
4
    Professional and related
34
2
55
5
4
        Teachers
29
2
59
5
5
            Primary, secondary, and special education
             school teachers
27
2
63
4
5
Service
37
2
53
6
2
    Protective service
36
2
53
7
2
Sales and office
38
2
50
6
4
    Office and administrative support
39
2
50
6
4
Natural resources, construction, and maintenance
36
53
7
Production, transportation, and material moving
36
44
17
Full time
36
2
53
6
3
Part time
32
59
3
Union
32
1
58
8
1
Nonunion
39
3
48
4
6
Average wage within the following categories:1
         
    Lowest 25 percent
37
2
54
3
5
        Lowest 10 percent
38
1
54
4
3
    Second 25 percent
39
2
51
6
3
    Third 25 percent
35
2
52
7
4
    Highest 25 percent
33
3
55
7
2
        Highest 10 percent
30
2
59
7
1
Establishment characteristics
         
Service-providing industries
36
2
53
6
3
    Education and health services
35
2
54
4
4
        Educational services
31
2
58
4
4
            Elementary and secondary schools
27
2
63
3
5
            Junior colleges, colleges, and universities
43
4
43
7
3
        Health care and social assistance
57
35
4
            Hospitals
65
28
    Public administration
35
2
53
7
3
1 to 99 workers
28
3
62
2
5
    1 to 49 workers
18
70
3
    50 to 99 workers
37
55
3
100 workers or more
37
2
51
7
3
    100 to 499 workers
34
3
53
6
4
    500 workers or more
39
2
49
7
3
State government
39
3
46
7
5
Local government
34
2
56
5
3
Geographic areas
         
Northeast
33
52
12
    New England
19
74
    Middle Atlantic
37
45
14
South
40
3
46
4
8
    South Atlantic
51
5
29
2
14
    East South Central
44
39
12
    West South Central
21
74
4
Midwest
41
2
50
5
1
    East North Central
42
52
4
    West North Central
38
48
7
West
26
1
68
4
1
    Mountain
40
56
    Pacific
18
1
74
5
1
1Surveyed 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: 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.