Occupational categories
overview
Occupations are grouped into different risk categories and the table below shows what these categories are and the definition of disability or incapacity we can apply.
The following table should only be used as a guide. The final occupation class will be determined by an individual client’s occupation and duties. The definition of disability has to be consistent across all covers for the same client on a plan.
| Class/occupational example |
Income Cover for Sickness/ Payment Cover for Sickness |
Minimum deferred period |
Total Permanent Disability |
|---|---|---|---|
| 1.Typically professional /managerial - no manual work. | Own occupation |
4 weeks |
Own occupation |
| 2. As class 1 but may involve minimal degree of supervisory work. | Own occupation |
4 weeks |
Own occupation |
| 3. Typically craftsmen and tradesmen engaged in management and supervision only. | Own occupation |
13 weeks |
Working tasks |
| 4. Typically skilled operatives - minimal and/ or heavier manual duties. | Own occupation |
26 weeks |
Working tasks |
| 5. Greater involvement of manual work. |
Working tasks |
13 weeks |
Working tasks |
| 6. Typically craftsmen and tradesmen, involved in normal duties or higher level of manual work. | Working tasks |
13 weeks |
Working tasks |
| 7. Typically unskilled operatives (but certain skilled operatives can fall into this class) - heavier manual duties - 100% lighter manual duties. | Working tasks |
26 weeks |
Working tasks |
| 8. Heavy manual work. | Working tasks | 26 weeks | Working tasks |
| 9. Specialised
occupations relying on specialist skills, both physical and artistic, e.g. professional sportsman, musician. |
Individual consideration |
Individual consideration |
Individual consideration |
