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

Table 21. Standard errors for life insurance plans: Flat-dollar amount benefit formulas,1
State and local government workers, March 2018
Characteristics Flat dollar amounts2
10th
percentile
25th
percentile
50th
percentile
(median)
75th
percentile
90th
percentile
All workers
$0.00
$0.00
$5,833.75
$6,676.36
$0.00
Worker characteristics
         
Management, professional, and related
0.00
0.00
0.00
0.00
0.00
    Professional and related
0.00
0.00
0.00
0.00
0.00
        Teachers
0.00
1,759.80
0.00
0.00
            Primary, secondary, and special education
             school teachers
2,948.10
0.00
0.00
Service
0.00
0.00
0.00
8,060.80
0.00
    Protective service
0.00
0.00
1,048.28
10,645.98
Sales and office
0.00
0.00
0.00
0.00
    Office and administrative support
0.00
0.00
0.00
0.00
Natural resources, construction, and maintenance
1,290.35
0.00
Production, transportation, and material moving
2,775.00
1,580.35
5,397.92
0.00
Full time
0.00
0.00
6,120.66
7,608.31
0.00
Part time
2,308.25
6,120.66
6,679.97
0.00
Union
0.00
729.93
0.00
0.00
0.00
Nonunion
0.00
0.00
912.41
0.00
Average wage within the following categories:3
         
    Lowest 25 percent
0.00
0.00
0.00
6,632.44
0.00
        Lowest 10 percent
0.00
0.00
3,134.25
0.00
    Second 25 percent
0.00
0.00
5,893.38
2,244.21
0.00
    Third 25 percent
0.00
0.00
3,649.66
11,109.71
0.00
    Highest 25 percent
0.00
1,290.35
6,044.01
0.00
0.00
        Highest 10 percent
482.80
2,040.22
0.00
0.00
Establishment characteristics
         
Service-providing industries
0.00
0.00
6,571.92
6,685.96
0.00
    Education and health services
258.07
0.00
0.00
1,048.28
0.00
        Educational services
893.98
2,333.36
0.00
1,389.75
0.00
            Elementary and secondary schools
408.04
0.00
0.00
0.00
            Junior colleges, colleges, and universities
0.00
0.00
5,737.76
0.00
        Health care and social assistance
0.00
4,652.42
10,339.44
0.00
            Hospitals
0.00
6,321.39
8,224.70
9,894.54
    Public administration
0.00
0.00
0.00
9,077.37
0.00
1 to 99 workers
2,885.31
2,731.15
0.00
0.00
    1 to 49 workers
0.00
0.00
3,977.12
0.00
0.00
    50 to 99 workers
0.00
2,414.02
5,394.83
0.00
0.00
100 workers or more
0.00
0.00
1,740.78
999.20
0.00
    100 to 499 workers
2,251.65
2,182.18
5,720.92
0.00
    500 workers or more
0.00
0.00
0.00
3,026.14
0.00
State government
0.00
0.00
1,824.83
5,161.40
0.00
Local government
1,340.97
1,401.68
0.00
0.00
Geographic areas
         
Northeast
0.00
0.00
4,652.42
0.00
0.00
    New England
0.00
0.00
7,947.95
0.00
    Middle Atlantic
0.00
0.00
1,251.04
0.00
0.00
South
0.00
0.00
0.00
    South Atlantic
0.00
3,649.66
0.00
    East South Central
0.00
0.00
0.00
0.00
    West South Central
0.00
5,397.92
0.00
Midwest
2,448.26
0.00
0.00
0.00
0.00
    East North Central
6,888.58
316.07
0.00
0.00
    West North Central
1,766.88
3,533.77
4,080.44
0.00
0.00
West
0.00
0.00
0.00
0.00
0.00
    Mountain
0.00
0.00
10,808.16
0.00
5,266.77
    Pacific
0.00
0.00
4,741.04
0.00
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.
2The 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.
3Surveyed 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.