Standard Errors
Life insurance plans: Maximum benefit amount

Table 20. Standard errors for life insurance plans: Maximum benefit amounts, State and local government
workers, March 2018
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
1.8
$0.00
$0.00
$0.00
$61,882.95
$0.00
1.8
Worker characteristics
             
Management, professional, and related
2.4
0.00
0.00
26,648.12
55,500.00
0.00
2.4
    Professional and related
2.6
0.00
0.00
34,779.63
60,522.72
0.00
2.6
        Teachers
3.8
0.00
0.00
34,163.80
24,140.22
40,804.41
3.8
            Primary, secondary, and special education
             school teachers
4.9
0.00
0.00
–
41,812.08
–
4.9
Service
3.4
11,100.00
0.00
0.00
65,795.14
0.00
3.4
    Protective service
4.9
11,966.20
–
0.00
52,414.22
103,227.90
4.9
Sales and office
3.7
9,124.14
0.00
–
70,083.88
0.00
3.7
    Office and administrative support
3.7
9,124.14
0.00
–
68,885.78
0.00
3.7
Natural resources, construction, and maintenance
4.7
0.00
12,903.49
–
62,551.98
–
4.7
Production, transportation, and material moving
5.5
12,241.32
0.00
–
–
146,271.15
5.5
Full time
1.9
0.00
0.00
547.45
61,882.95
0.00
1.9
Part time
6.0
0.00
0.00
0.00
–
63,213.92
6.0
Union
3.2
0.00
0.00
38,364.83
18,248.29
122,072.72
3.2
Nonunion
2.2
0.00
8,703.88
12,070.11
55,327.23
0.00
2.2
Average wage within the following categories:2
             
    Lowest 25 percent
2.5
–
0.00
–
32,897.57
0.00
2.5
        Lowest 10 percent
3.8
0.00
–
–
–
0.00
3.8
    Second 25 percent
2.8
9,124.14
0.00
12,915.10
61,206.62
0.00
2.8
    Third 25 percent
2.6
1,824.83
0.00
27,372.43
64,517.44
0.00
2.6
    Highest 25 percent
3.0
0.00
0.00
31,275.99
47,410.44
65,159.42
3.0
        Highest 10 percent
4.3
3,160.70
0.00
–
27,372.43
80,064.04
4.3
Establishment characteristics
             
Service-providing industries
1.8
0.00
0.00
3,649.66
51,613.95
0.00
1.8
    Education and health services
2.4
0.00
0.00
–
67,666.46
0.00
2.4
        Educational services
2.5
0.00
0.00
–
24,140.22
68,278.84
2.5
            Elementary and secondary schools
4.0
0.00
0.00
–
60,522.72
–
4.0
            Junior colleges, colleges, and universities
5.5
0.00
0.00
16,193.75
25,806.98
0.00
5.5
        Health care and social assistance
6.0
–
0.00
–
100,365.58
0.00
6.0
            Hospitals
8.0
0.00
–
71,261.84
0.00
0.00
8.0
    Public administration
4.5
11,249.00
–
25,859.18
65,795.14
0.00
4.5
1 to 99 workers
5.4
6,321.39
–
27,750.00
20,402.21
0.00
5.4
    1 to 49 workers
9.2
10,986.92
–
40,804.41
–
–
9.2
    50 to 99 workers
6.6
–
–
–
34,139.42
–
6.6
100 workers or more
1.8
0.00
0.00
6,474.93
45,620.72
0.00
1.8
    100 to 499 workers
3.9
5,474.49
0.00
–
58,423.03
91,241.44
3.9
    500 workers or more
2.4
0.00
0.00
31,606.96
23,262.09
0.00
2.4
State government
3.9
0.00
0.00
–
27,372.43
99,949.99
3.9
Local government
2.5
0.00
7,795.67
–
0.00
0.00
2.5
Geographic areas
             
Northeast
3.6
0.00
0.00
4,828.04
–
–
3.6
    New England
6.2
12,903.49
–
–
–
0.00
6.2
    Middle Atlantic
4.1
0.00
0.00
0.00
–
–
4.1
South
2.7
0.00
–
36,496.58
32,579.71
0.00
2.7
    South Atlantic
2.9
0.00
0.00
0.00
43,519.39
0.00
2.9
    West South Central
7.4
0.00
0.00
–
–
–
7.4
Midwest
4.0
0.00
0.00
41,612.50
15,803.48
0.00
4.0
    East North Central
4.7
0.00
0.00
–
54,363.36
–
4.7
    West North Central
7.5
–
–
0.00
127,738.01
0.00
7.5
West
3.8
0.00
0.00
21,878.93
32,897.57
89,379.36
3.8
    Mountain
5.3
7,901.74
29,776.04
35,337.66
18,248.29
112,859.43
5.3
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: 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.