Life insurance plans: Method of benefit payment

Table 18. Life insurance plans: Method of benefit payment, State and local government
workers, National Compensation Survey, March 2013

(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

37

2

54

5

2

Worker characteristics

         

Management, professional, and related

35

2

56

5

2

    Professional and related

35

2

56

5

2

        Teachers

33

1

59

5

2

            Primary, secondary, and special education
             school teachers

30

1

62

5

2

Service

40

3

51

5

1

    Protective service

37

4

53

6

1

Sales and office

38

52

6

    Office and administrative support

38

52

6

Natural resources, construction, and maintenance

40

53

3

Production, transportation, and material moving

36

2

50

Full time

37

2

54

5

2

Part time

35

58

4

Union

33

2

56

8

[1]

Nonunion

41

2

51

3

4

Average wage within the following categories:2

         

    Lowest 25 percent

38

1

55

3

3

        Lowest 10 percent

45

51

2

    Second 25 percent

39

2

51

5

3

    Third 25 percent

40

3

49

6

3

    Highest 25 percent

32

2

59

6

1

        Highest 10 percent

35

2

59

5

[1]

Establishment characteristics

         

Service-providing industries

37

2

54

5

2

    Education and health services

37

1

55

5

2

        Educational services

36

1

56

5

2

            Elementary and secondary schools

30

1

61

5

3

            Junior colleges, colleges, and universities

51

40

5

        Healthcare and social assistance

47

48

3

            Hospitals

44

52

    Public administration

36

3

53

7

2

1 to 99 workers

31

1

61

3

4

    1 to 49 workers

27

62

    50 to 99 workers

36

60

100 workers or more

38

2

53

6

2

    100 to 499 workers

37

57

4

    500 workers or more

38

2

52

6

2

State government

42

2

47

5

3

Local government

35

2

56

5

2

Geographic areas

         

New England

22

65

Middle Atlantic

37

1

47

15

East North Central

45

49

4

West North Central

47

46

5

South Atlantic

52

2

33

2

10

East South Central

50

43

West South Central

19

80

1

Mountain

35

61

Pacific

15

4

75

5

1Less than 0.5.


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/glossary20122013.htm.

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 data from the National
Compensation Survey publication, "Employer Costs for
Employee& nbsp;Compensation - March 2013."