Life insurance plans: Maximum benefit amount

Table 20. Life insurance plans: Maximum benefit amounts, State and local government workers, March
2018
(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
59
$50,000
$50,000
$150,000
$300,000
$500,000
41
Worker characteristics
             
Management, professional, and related
56
50,000
50,000
150,000
300,000
500,000
44
    Professional and related
55
50,000
50,000
150,000
300,000
500,000
45
        Teachers
49
50,000
50,000
120,000
250,000
400,000
51
            Primary, secondary, and special education
             school teachers
45
50,000
50,000
250,000
55
Service
55
50,000
50,000
150,000
250,000
500,000
45
    Protective service
58
40,000
150,000
250,000
500,000
42
Sales and office
65
40,000
50,000
250,000
500,000
35
    Office and administrative support
65
40,000
50,000
250,000
500,000
35
Natural resources, construction, and maintenance
71
50,000
100,000
300,000
29
Production, transportation, and material moving
68
50,000
50,000
500,000
32
Full time
60
50,000
50,000
150,000
300,000
500,000
40
Part time
34
50,000
50,000
50,000
500,000
66
Union
58
40,000
50,000
130,000
250,000
500,000
42
Nonunion
59
50,000
50,000
150,000
325,000
500,000
41
Average wage within the following categories:2
             
    Lowest 25 percent
62
50,000
300,000
500,000
38
        Lowest 10 percent
59
50,000
500,000
41
    Second 25 percent
63
50,000
50,000
150,000
300,000
500,000
37
    Third 25 percent
57
50,000
50,000
150,000
300,000
500,000
43
    Highest 25 percent
53
50,000
50,000
150,000
250,000
500,000
47
        Highest 10 percent
54
50,000
50,000
250,000
450,000
46
Establishment characteristics
             
Service-providing industries
58
50,000
50,000
150,000
300,000
500,000
42
    Education and health services
55
50,000
50,000
300,000
500,000
45
        Educational services
52
50,000
50,000
250,000
400,000
48
            Elementary and secondary schools
47
50,000
50,000
250,000
53
            Junior colleges, colleges, and universities
63
50,000
50,000
100,000
250,000
400,000
37
        Health care and social assistance
64
50,000
500,000
500,000
36
            Hospitals
67
50,000
250,000
500,000
500,000
33
    Public administration
61
40,000
150,000
300,000
500,000
39
1 to 99 workers
45
40,000
100,000
250,000
500,000
55
    1 to 49 workers
65
40,000
150,000
35
    50 to 99 workers
37
250,000
63
100 workers or more
61
50,000
50,000
150,000
300,000
500,000
39
    100 to 499 workers
56
40,000
50,000
200,000
350,000
44
    500 workers or more
64
50,000
50,000
150,000
300,000
500,000
36
State government
61
40,000
50,000
200,000
400,000
39
Local government
58
50,000
50,000
300,000
500,000
42
Geographic areas
             
Northeast
33
40,000
40,000
40,000
67
    New England
33
50,000
500,000
67
    Middle Atlantic
33
40,000
40,000
40,000
67
South
62
50,000
150,000
300,000
500,000
38
    South Atlantic
56
50,000
100,000
200,000
325,000
500,000
44
    West South Central
69
50,000
50,000
31
Midwest
55
50,000
50,000
200,000
250,000
500,000
45
    East North Central
59
50,000
50,000
200,000
41
    West North Central
47
200,000
500,000
500,000
53
West
82
50,000
50,000
150,000
300,000
500,000
18
    Mountain
80
50,000
100,000
175,000
300,000
500,000
20
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 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.