Life insurance plans: Method of benefit payment Data Table

Table 19. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2010

(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

38

2

53

6

2

Worker characteristics

 

 

 

 

 

Management, professional, and related

37

2

55

5

2

    Professional and related

36

2

56

5

1

        Teachers

33

1

60

5

1

            Primary, secondary, and special education
             school teachers

30

1

63

6

1

Service

40

2

49

6

2

    Protective service

39

3

49

6

3

Sales and office

41

2

50

7

1

    Office and administrative support

41

2

50

6

1

Natural resources, construction, and maintenance

43

–

49

5

–

Production, transportation, and material moving

35

2

51

–

–

Full time

39

2

52

6

2

Part time

30

2

62

4

2

Union

32

2

58

8

1

Nonunion

44

2

47

4

2

Average wage within the following categories:1

 

 

 

 

 

    Lowest 25 percent

41

1

52

4

1

        Lowest 10 percent

48

–

47

3

–

    Second 25 percent

42

2

47

6

3

    Third 25 percent

40

2

48

8

2

    Highest 25 percent

33

2

60

4

1

        Highest 10 percent

34

2

59

4

1

Establishment characteristics

 

 

 

 

 

Service-providing industries

38

2

53

6

2

    Education and health services

37

1

55

5

1

        Educational services

35

1

57

5

1

            Elementary and secondary schools

30

1

63

5

1

            Junior colleges, colleges, and universities

51

3

38

5

2

        Health care and social assistance

53

–

43

3

–

            Hospitals

54

–

43

–

–

    Public administration

39

3

49

6

2

1 to 99 workers

35

1

57

3

4

    1 to 49 workers

33

–

55

4

–

    50 to 99 workers

38

–

58

–

–

100 workers or more

39

2

52

6

1

    100 to 499 workers

40

–

55

2

–

    500 workers or more

38

2

51

7

2

State government

47

2

42

5

4

Local government

35

1

56

6

1

Geographic areas

 

 

 

 

 

Middle Atlantic

37

–

48

14

–

East North Central

43

–

51

4

–

West North Central

47

–

46

6

–

South Atlantic

61

2

25

6

6

East South Central

51

–

–

–

–

West South Central

22

–

75

–

–

Mountain

31

–

64

–

–

Pacific

15

3

79

–

–

Footnotes:

1The categories are based on the average wage for each occupation surveyed, which may include workers with earnings both
above and below the threshold. The average wages are based on the estimates published in the "National Compensation Survey:
Occupational Earnings in the United States, 2009." See Technical Note for more details.


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/glossary20092010.htm.