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Disability Insurance
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Description Of Classes
While not all disability
insurance companies have developed and use the same occupation class
ratings as stated below, we find that the occupation classes used
here are reflective of the disability insurance marketplace!
However, on an individual basis, some disability insurance companies
may rate some professionals in even higher rate classes then listed.
Class 4A
Includes professional or office-type occupations that are rarely
exposed to physical or occupational hazards. Examples include:
Biologist, Accountant, Pharmacist, Librarian
Class 3A
Includes occupations similar to Class 4A but with certain activities
or hazards involving laboratory, technical, supervisory, and service
work. Examples include: Sales clerk, Clergy, Horticulturist, Speech
Therapist
Class 2A
Includes skilled and manual occupations in lighter industries, along
with most machine operators. Examples include: Electrician, Plumber,
Tailor, Farmer,
Class 1A
Includes occupations involving heavy manual labor or unskilled
workers where there is increased risk of accident. Examples include:
Roofer, Painter, Crane operator, Furniture mover
NE (not eligible)
Includes occupations not eligible for coverage due to exposure to
serious accident or occupational hazards. Examples include:
Entertainer, Pilot, Air traffic controller, Armed forces
Occupation Class Look Up
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
Y
Z
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A
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Accountant
CPA 4A Others 4A Actor,ActressNE Actuary
(FSAs,FCAs) 4A Acupuncturist 2A
Advertising Executive 4A Sales 4A Aerobics Teacher
2A Agent (See “Insurance Industry”) Agriculture
Industry (Dairies, Farms, Hatcheries,Orchards,Ranches)
Owners of well established operations 2A
Supervisory Duties Only 2A Farm or Ranch hands 1A
Agronomist 4A Airline Security Personnel
(armed) 1A Airline Security Personnel (not
armed) 2A Alarm Installer 2A Ambulance
Driver 1A Anesthesiologist 3A Announcer
3A Antique Dealer Sales (no delivery, repair or
refinishing) 3A Refinishing or Repairing 2A
Apartment Building Manager (Office duties only) 3A
Others 1A Appliance Repair 2A Appraiser
(Real Estate) 3A Archeologist Office duties only
3A Field worker 2A Architect 4A
Armed Forces NE
Artist Commercial 4A Self-employed
(Freelance) NE Asbestos Remover NE Asphalt Worker
1A Assembly Line Worker Light Industry 2A
Others 1A Assessor 4A Astronomer 4A
Athlete NE Athletic Trainer 2A Attorney
4A Auctioneer 3A Auditor 4A Author/Writer
NE Automobile Industry New Car Dealership
Proprietor or Sales Manager (Office duties only)
4A Manager (other than sales) 3A Sales (New and
used) 2A Garage (Proprietor/manager, not repairing)
2A Mechanic 2A Service Writer 3A Service
Stations (Attendant, manager, proprietor) 2A Body
Repair and Painting 1A New Car Wholesaler
3A Used Car Dealership 1A Used Car Wholesaler
2A Auto Detailer (mobile) 2A Auto Glass
Installer 2A Auto Parts Man/Manager (small
parts) 3A Auto Parts Man/Manager (large parts)
2A Auto Transporter (over the road) 1A
Aviation Ticket Manager 4A Mechanic 2A
Air Traffic Controller, Flight Attendant, Pilot NE
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B
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Backhoe Operator 2A
Bailiffs (carrying a
weapon) 2A Bakery (Manufacture and Retail)
Proprietor (Supervisory duties only) 3A Baker,
Delivery, Skilled Worker 2A BankingOfficer 4A
Bookkeeper, Teller 4A Guard 1A Barber 2A
Bars Manager (Not tending bar) 1A Bartender,
Waiter, Waitress, All others NE Basement Waterproofer
1A Beautician 2A Beekeeper 2A Bicycle
Repair 2A Big Game Guide NE Billboards (See
“Signs”) Bill Collector No Repossessing 2A
Repossessing NE Biologist 4A Blacksmith 1A
Boat Captain (Returns each night) 1A Boilermaker NE
Bondsman Bail 1A Other 3A Bookkeeper 4A
Botanist 4A Bowling alleys Manager (Supervisory
duties only) 3A Others 1A Breweries (See
“Liquor Industry”) Bricklayers/Brick Mason 2A
Bridge Building and/or Maintenance NE Bridgetender 2A
Broker Commodity or “On the Floor” NE
Real Estate 4A Stock 4A
Building Manager/Superintendent (Office duties or
supervisory duties only) Large Commercial 3A
Others 1A Bulldozer Operator 2A Burglar Alarm
Installer 2A Bus Driver 1A Business Machine
Repair 3A Butcher (No slaughtering) 2A Buyer
Department Store 4A Fur, hides, pelts 2A
Others 3A
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C
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Cabinet Maker 2A
Candlemaker 2A Carpenter 2A Carpet
Layer/Cleaner 1A Cartographer (Map maker) 4A
Cashier 3A Casino Employee (Gaming Activities
only) 1A Caterer Proprietor (Supervisory
duties only) 3A Others 1A Cattle Breeder 2A
Chauffeur NE Chef (See “Restaurants”)
Chemist Consulting/Analytical 4A
Laboratory/Other3A Chimney Sweep 1A Chiropractor
1A Cleaning Industry (Dry Cleaner, Laundry, Dyer)
Counter Clerk 3A Laundry Worker 1A
Proprietor or Manager (Supervisory duties only) 3A
Delivery 2A
Clergy 3A Clerk (Unless otherwise classified)
Office 4A Sales 3A Coach 2A Coin
Dealer (Not working in home) 3A Collection Agency
(See “Bill Collector”) Comptroller 4A
Computer Industry Consultant 4A Programmer,
Systems Analyst, Security Specialist 4A Computer
Operator, Engineer 4A Service and Repair 3A
Other Skilled Workers 3A Concert/Event Promoter
3A Concrete and Cement Finisher 1A Construction
(Building, Highway, General) Superintendent
(Supervisory duties only) 3A Estimator, Timekeeper
3A Foreman/Superintendent with on site supervision
2A Laborer 1A Others (See specific occupation)
Consultant (Excluding Financial Consultant, Insurance
Agent, and those classified elsewhere) 4A
Contractor (Must meet all the following criteria)
Owner/major stockholder of well established firm in
existence a minimum of 3 years Business employs
sufficient number of fulltime, year-round employees to
require at least one superintendent and two or more
foremen Business located in an office outside of the
home of the individual, with office staff Duties are
administrative, executive and managerial and do not
involve manual labor or on site supervision 3A
Contractor (All of the above AND on site) 2A
Controller (Financial) 4A Convenience Store
Owner (No store work) 3A Others 1A Cook (See
“Restaurant”) Cosmetologist 2A Courier and
Parcel Service Industry Office Worker 4A Delivery
(local) 2A Others NE Court Reporter 4A
Crane Operator 1A Curator (Library, Museum, or
Art Gallery) 4A Custodian 1A
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D
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Dairy Industry (See “Agriculture”)
Dance Teacher 2A
Day Care/Kindergarten or Nursery Office Duties Only
4A Teacher or Attendant 3A Day Care Worker (for
adults) 2A Day Trader (Stock Trader) NE Dental
Dentist 3A Denturologist 3A Hygienist 3A
Assistant 3A Lab Worker, Technician 3A
Dermatologist4A Detective (Private) NE Diamond
Cutter 2A Dietitian No Food Preparation 4A
Food Preparation 2A Dishwasher (See “Restaurant”)
Disc Jockey 3A Dispatcher (Other than taxi cab)
3A Diver NE Dock Worker NE Domestic
Servant NE Draftsman 4A IGP-009 (8/03) Page
11 Occupation Class Special Occupation
Employee Driving Instructor 2A Dry Cleaning
(See “Cleaning Industry”) Dry Wall Installer 2A
Druggist (See “Pharmacist”) Dyer (See “Cleaning
Industry”)
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E
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Economist 4A
Editor 4A Electrician (Building
or ground duties) 2A Electroplater 2A
Elevator Inspector 2A Elevator Repair and
Installation 1A Embalmer 2A Employment Agent
4A Engineer Professional with graduate degree
(office and consulting work) 4A Office and Consulting
only 4A Field Supervision 3A
Stationary 2A Engraver 2A Entertainer
NE Evangelist (No travel abroad; 2 years of tax
returns required) 3A Executive (Unless
otherwise classified) The individual must own, or be
employed by, a well established, financially sound
company and be performing duties that are principally
administrative and managerial in nature. 4A
Explosive Handler NE Exporter or Importer
2A Exterminator 1A
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F
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Farmer (See “Agriculture”)
Farrier (Horse Shoer) 1A
Fast Food Employee Owner, Manager 3A Manager (no
ownership) 2A IGP-009 (8/03) Page 12
Occupation Class Special Occupation Employee Others
1A Fiberglass Worker 1A Financial Planner
4A Firefighter (Not forestry service) 1A
First Mate (Cruise ship) NE Fishing Industry
(Curing and Packing, or Hatchery) Supervisor or
Superintendent 3A Skilled Worker 2A Fisherman
NE Flight Service Specialist NE Floor
Finisher 1A Floral Industry Sales or
Arranging 3A Delivery 2A Greenhouse Employee 2A
Food Processing Industry Manager, Superintendent
(Supervisory duties only) 3A Foreman, Packer, Machine
Operator, Inspector 2A Others 1A Food Vendor
1A Forest Ranger 1A Fork Lift Operator
2A Funeral Director (No embalming) . 3A Funeral
Director (Embalming) 2A Furniture Finisher and Repair
2A Furniture Mover 1A
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G
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Game Warden 2A
Garbage Collector (Owner only)
1A Gardener 2A Gas Industry (See “Oil and
Natural Gas” or “Utility”) Geologist Office and
Consulting 4A Field Supervision 2A Off
Shore NE Others 1A Glass Blower
2A Glazier 2A Golf Course Proprietor/Manager
3A Greenskeeper 1A Professional (Teaching or
resident) 1A Government and Legal Services
(See “Special Occupations” for limitations) Attorney
4A Assessor 4A Bailiff (Court duties only)
4A Bailiff (Carrying a weapon) 2A Coroners
4A Court Reporter/Stenographer 4A Customs
Inspector Office Duties 4A Others 1A
Dog Catchers, Humane Shelter Workers 1A FBI
Agents (classify as Detectives) NE Firefighters
Chiefs, Marshals, and Superintendents (not actively
fighting fires) 2A Firefighters (including
Paramedics) 1A Garbage Collectors NE
Government and Legal Services continued Government
Officials (Elected or Appointed) NE Health Officials
Office duties only 4A Field Duties 3A
Immigration Officials or Inspectors Office duties
only 4A Others 1A Inspector Building
3A Construction 2A Elevator 2A
Structural Metal NE Internal Revenue Worker
(Office duties only, not Seasonal) 4A Judge
4A Lawyer 4A Legal Secretary 4A
Military (All personnel) NE Paralegal Assistant
4A Park Ranger 2A Police and other Law
Enforcement Officers Border Patrolman, Chief,
Lieutenant, Sergeant 1A Desk Duties Only
2A Making Arrests 1A Detective, Police
Officer 1A Detective (working under cover)
NE Pardon, Parole, Probation, and Truant Officers
2A Postal Workers Carriers 2A Counter
Clerk 2A Office or Supervisory 3A Others
2A Postmaster 4A Prisons and other Penal
Institutions Warden, Superintendent, and Chaplain 2A
Guard, Jailer, Keeper 1A Sky Marshal 1A Public
Administrator (Not elected or appointed) 4A
Street Cleaners Mechanical Operation 1A
Manual Operation 1A Toll Collectors 2A
Traffic Manager 4A Truant Officer 2A
Warden – Game and Fish, Fire 2A Warden –
Prison 2A Welfare Counselors and Welfare
Workers Office Duties Only 4A Investigating
and Making Reports 3A Graphic Artist or Graphic
Designer 3A Greenhouse Worker (See “Nurseries”)
Grocery Workers Managers, Cashiers, and Checkers
3A Stock Clerks, Butchers 2A Guard Armored Car,
Bank 1A Guard/Watchman Hotel, Store 1A
Industrial Plant (no explosives) 1A Mine 1A
Railroads 1A Guide (Hunting and fishing) NE
Gunsmith 2A Gutter Installer 1A
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H
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Hairdresser 2A
Heat Treater 1A Heating and
Air Conditioning (Installation/Repair) 2A
Health Club Proprietor 3A Attendant/Instructor
2A Holistic Practitioner 2A Homemaker NE
Homeopath 2A Horse Massage Therapy 1A
Horse Shoer (Farrier) 1A Horse Trainer/Breeder
Desk work only, no riding 3A Others, no riding
2A Riding NE Horticulturist 3A Hospital
Employees (See “Medical Services”) Hotel/Motel
(Hospitality) Industry Manager (Office duties only,
not living on premises) 4A Clerk 3A Bellhop
or Valet 2A Maid 1A Others NE House
Cleaners Self-employed 2A Employee 1A
House Mover 1A Hunting Guide NE
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Ice Skating Instructor 1A
Importer or Exporter
2A Inspector Building 3A Elevator
2A Structural Steel NE Insulation Installer
Spraying NE Others 1A Insurance Industry
Adjuster 3A Agent or Broker 4A Inspector 3A
Investigator 1A Interior Decorator Consulting,
Office duties, Sales 4A Designer 2A
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J
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Janitor 1A
Jeweler Office or Sales Only
4A Handwork 3A Jockey NE Judge (With law
degree) 4A Junk Dealer 1A
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K
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Karate Instruction
Owner only, no instructing 1A
Instructor NE Kennel Worker 2A
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L
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Laboratory Worker
Supervisor, Registered Medical Technologist 3A
Technicians and Others 3A Landscaper 2A Lather 2A
Laundry (See “Cleaning Industry”) Lawyer 4A
Lecturer 3A Lens Grinder 2A Librarian
4A Limousine Driver 1A Liquor Industry
Brewery, Distillery, Winery Manager (Office duties
only) 4A Chemist, Inspector, Supervisor,
Blender 2A Collector, Distiller, Yeast Maker 2A
Others 1A Retail Package Store (no bar)
Clerk, Manager, Proprietor 3A Others 1A
Wholesale Distributor Supervisor, Manager (Office
duties only) 4A Sales (no delivery) 3A
Others 1A Liquor Truck Driver 1A Lithographer 3A
Livestock Yards Buyer, Inspector, Supervisor 2A
Others 1A Lobbyist 4A Lobster Fisherman (returns
each night, 2 years of tax returns required, 2 year
Benefit Period, 90 day Elimination Period) 1A
Locksmith 3A LongshoremanNE Lumber Industry
Logging (1,000 and 2 year Benefit Period Limit)
OthersNE Mills Foreman, Grader, Inspector, Maker,
Scaler 2A Saw Filer, Stationary Engineer (no
machinery) 1A Tallyman 1A Others NE Yards
Foreman, Inspector, Sealer, Tallyman 1A Others NE
Luthier (making stringed instruments) 2A
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M
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Machine Operator2A
Machine Shops Machinist, Machine Operator, Skilled
Worker 2A Others 1A Maid (hotel/motel)
1A Manicurist 2A Manufacturing Industry Manager
(Office duties only), Mfg. Representative 4A
Superintendent (Supervisory duties only) 3A Others
(see specific occupation) Mary Kay Cosmetic Sales (2
years of tax returns required) 3A Mason (Brick or
stone) 2A Massage Therapist (Licensed)
Affiliated with medical facility, not self-employed
2A Self-employed (2 years of tax returns required)
1A Employee of non-medical facility 1A Meat
Industry (Packing and Slaughter House) Office Duties
Only 4A Foreman, Workers not around live animals or
dressing operations 2A Others NE
Mechanic (See specific
industry) Medical Services Acupuncturist 2A
Anesthesiologist, Anesthetist 3A Audiologist 3A
Certified Nursing Assistant 2A Chiropodist 3A
Chiropractor 1A Dental Hygienist 3A Dental Lab
Worker 3A Dentist, Orthodontist 3A Hypnotherapist
2A Lab Technician, Lab Worker 3A Midwife
(Licensed) 2A Myotherapist 2A Nurse,
RN, LPN 3A Private Nurse NE Occupational
Therapist (Registered) 3A Ophthalmologist 3A
Optician 3A Optometrist 3A Osteopath 3A
Paramedical Examiner 3A Pharmacist (Registered)
4A Phlebotomist 3A Physical Therapist 3A
Physician 3A Physician Assistant 3A Podiatrist
3A Psychiatrist 3A Psychologist (Ph.D.) 3A
Registered Medical Technologist 3A Respiratory
Therapist 3A Speech Therapist 3A Technician, Lab
Worker 3A Transcriptionist 4A X-Ray Technician
3A Hospitals, Sanitariums Administrator, Manager,
Superintendent (Office duties only) 4A Dietician (No
food preparation) 4A Emergency Medical Technician 1A
Guard 1A
Attendant, Cook, Laundry Worker 1A Orderly, Nurse’s
Aid 1A Metallurgist Office duties only 4A
Underground NE Others 2A Meter Installation and
Repair 2A Meteorologist 4A Meter Reader 3A
Millwright 2A Mineralogist Office Duties Only 4A
Underground NE Others 2A Mining Industry
Office Duties Only 4A Above Ground: Manager,
Superintendent 3A Foreman 2A Others 1A
Below Ground NE Minister 3A Missionary
NE Model NE Molder 2A Monument Industry
Dealer 3A Setter 2A Engraver 1A
Mortician Embalming 2A No Embalming 3A
Motels (See “Hotel/Motel”) Motion Picture Industry
Agent, Director, Editor, Producer, Stage Manager
3A Process Worker, Projectionist 3A Camera
Operator 2A Makeup, Property Person, Stage Hand
2A Motorcycles Dealer, Mechanics, Sales 2A
Music Conductor 3A Music Teacher 3A
Musical Instrument Repair 2A Musician NE
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N
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Nanny (not returning to own home each night) NE
Nanny
(returning to own home each night) 1A
Naturopath 2A Newspaper Industry Editor 4A
Photographer (no aerial), Reporter 3A Stuffer/Mailer
2A War Correspondent, Foreign Correspondent NE
Newspaper Delivery 1A Nuclear Facilities Handling
or exposed to hazardous materials NE Others
(See specific occupation) Nurseries Manager,
Supervisor (No manual duties) 3A Sales, Foreman
2A Laborer 1A
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O
Ocularist (Makes glass eyes) 2A Office Clerk 4A
Office Machine Repair 3A Oil and Natural Gas
Industries Foreman, Gauger, Inspector, Pumpman
2A Pipeline Pumper, Walker 2A Offshore and
other duties NE Ophthalmologist 3A Optician
3A Optometrist 3A Orchestra Leader (3 years of tax
returns required) 3A Orthodontist 3A
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P
Painter
Building, House, Sign 1A Electrostatic 2A
Paperhanger (No painting) 2A Paper/Pulp
Industry Foreman, Superintendent 3A Others 1A
Paralegal 4A Parking Attendant 2A Park
Ranger 2A Pawn Broker 2A Personnel
Manager or Director 4A Personal Services
Barber, Beautician, Cosmetologist, Hairdresser 2A
Manicurist, Electrolycist 2A Personal Trainer
(2 years of tax returns required) 2A Pet
Groomer 2A Pet Sitter 1A Pharmacist
(Registered) 4A Phlebotomist 3A
Photoengraver 3A Photographer Studio 4A
Commercial Newspaper 3A Aerial, War, Stunt,
Freelance NE Photoprocessor 2A Piano
Tuner 3A Picture Framer 2A Pile Driver
1A Pilot NE Pipe Fitter 2A
Plasterer 2A
Plumber 2A Podiatrist 3A Polisher 1A
Pottery Maker 1A Priest 3A Printing and
Publishing Industry Editor, Office Worker,
Proofreader, Copywriter 3A Others 2A
Process Server NE Professional Signer (for the deaf)
3A Purchasing Agent 4A
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Q
Quarry Industry (See “Mining”)
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R
Rabbi 3A
Radio/Television Industry Broadcasting Program
Director 4A Production Manager (studio duties
only) 4A Engineer (master control only)
4A Announcer, Disc Jockey, Newscaster 3A Camera
Operator, Other Engineers 3A Repairman (not
antenna), Others 1A Radio/Television Sales and
Service Dealer or Sales (no outside work) 4A
Repairing (no outside work) 2A Repairing or
Installing (outside, no antenna work) 1A
Railroad (See “Special Occupations” for limitations)
Agent Office duties only 4A Others 3A
Announcer, Informational Personnel 4A
Baggagemen 1A Brakeman, Flagman 1A
Car Barn (Urban rail transit) Inspector 2A
Skilled Worker 1A Laborer 1A Conductor
(Passenger trains only) 3A Dispatcher 2A
Engineer (Locomotive), Railroad or Urban Transit
1A Firefighter 1A Freight Loader 1A
Guard 1A Manager (Office duties only) 4A Mechanic
2A Messenger 2A Porters 1A Repairman
(Signal, power line and track) 1A Shipping and
Receiving Clerks (handling freight) 1A Shipping and
Receiving Clerk (no freight handling) 2A
Steward 2A Switchman or Flagman (In tower)
2A Switchman or Flagman (other) 1A Ticket
Clerk 4A Track Worker 1A Yardmaster
(Supervisory duties only) 2A Yard Foreman 1A
Yard Worker 1A Rancher (See “Agriculture”)
Real Estate (See “Broker”) Receiving and Shipping
Clerk 2A Receptionist 4A Restaurant
(Principally Food Sales) Cashier, Host/Hostess,
Manager 3A Chef, Cook, Wait Person 2A Bartender,
Bus Boy, Check Room Attendant 1A Dishwasher, Kitchen
Worker, Fast Food Worker 1A Restaurant
(Principally Liquor Sales – See “Bars”) Roofer 1A
Roustabout (Not offshore, inland work only) 1A
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S
Sales (Not listed elsewhere, wholesale and retail)
Sales Manager (office duties only) 4A Traveling
Salesperson 4A Mary Kay Cosmetics (2 years of
tax returns required) 3A Delivery Route Sales (Local)
2A Door to Door Sales NE Sandblaster 1A
Sanitation Services (Not municipal) Manager/Operator
(No manual duties) 3A Foreman (Supervisory
duties only) 2A Mechanic 2A Others 1A
Scrap Metal Dealer (Office duties only) . 2A Scrap
Metal Dealer (Some handling) 1A Others NE
Sculptor NE Seamstress 2A
Secretary/Stenographer 4A Security System
Installer 2A Septic Tank Cleaner 1A
Servant NE Service Station (See “Automobile
Industry”) Sheet Metal Worker Cornice, Drain,
Gutter or Spout Setter 2A Furnace Installer or
Setter, Tinner or Tinsmith 2A Others 1A Ship/Boat
Builder 1A Shipping/Receiving Clerk 2A
Ship’s Pilots (max 5 year benefit period) 2A
Signs/Billboards Billboard Poster 1A Others NE
Slaughterhouses (See “Meat Industry”) Social Service
Worker (Non-governmental employee) Office duties only
4A Others 3A Speaker (Motivational, 3 years
of tax returns required) 3A Sprinkler Installer
2A Stationary Engineer 2A Steamfitter
2A Steel Industry Manufacturing Superintendent
3A Blacksmith, Coremaker, Die and Job Setter 2A
Cold Finisher, Foreman, Heat Treater 2A Molder,
Machinist, Plater, Roller, Solder 2A Laborer,
Unskilled Worker, Others NE Structural Iron and Steel
Workers NE Steeplejack NE Stenographer
4A Stevedore (On dock crane operator) NE
Stockbroker (See “Brokers”) Stonecutter 2A
Storage (See ‘Warehouseman”) Student NE
Surveyor 3A Swimming Pool Service 1A
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T
Tailor 2A Talent Agent (2 years of tax returns
required) 3A Tavern (See “Bars”) Tax Consultant
4A Taxicab Companies Dispatcher 2A Others
1A Taxidermist 2A Teachers (See “Special
Occupations” for limitations) Full College Professor
(Tenured) 4A College Guidance Counselor
4A Superintendent, Assistant Superintendent 4A
Principal, Assistant Principal (Not teaching) 4A
Academic or Commercial Subject Teacher 4A
Guidance Counselor 4A Physical Education,
Manual Arts3A Industrial Arts, Non-Classroom Teacher
3A Telephone Operator 4A
Inside Installer, Foreman, Dispatcher, Repairman
3A Outside Foreman, Inspector, Truck Driver 2A
Cable Splicer, Placer, Lineman, Outside Repairman
1A Television (See “Radio”) Tennis Professional
(Teaching or Resident) 1A Textile Worker
2A Tile Layer 1A Tire Retreader 1A
Toll Collector 2A Tool and Die Maker 2A
Tow Truck Driver (Not over the road) 2A
Toxicologist 4A Transcriptionist 4A
Travel Agent 4A Tree Surgeon, Sprayer or
Trimmer 1A Trucking Industry Dispatcher 2A
Mechanic 2A Truck Driver, local pick up and delivery
only, no liquor or gasoline 2A Truck Driver,
long haul, furniture mover, liquor, gasoline or
hazardous material 1A Typesetter 3A
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U
Upholsterer 2A Utility Industries
(Non-municipal) (See also “Telephone”) Office
Worker 4A Plant Superintendent 4A Power
Plant Superintendent 3A Meter Reader 3A
Dynamo, Generator and Turbine Operator 2A Meter
Installer, Power Station Employee 2A Purifying
Plant Employee, Pumpman 2A Power Line Construction
and Maintenance NE OthersNE Underwater
Search/Rescue Trainer NE
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V
Vending Machine Collector,
Filler or Service Person 2A Veterinarian, Large
Animal 2A Veterinarian, Small Animal 3A
Videographer (edits video tape) 3A Vinyl Siding
Installer 2A
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W
Wait Person, Primarily Food 2A Wait Person,
Primarily Liquor 1A Wallpaper Hanger (No
painting) 2A Warden for Prison 2A
Warden for Fish and Game 2A Warehouseman Foreman
(Office duties only) 3A Checker, Crater, Packer
2A Others 1A Watchmaker/Repair 3A Water
Works (See “Utilities Industry”) Welder 2A
Well Driller (Water only) 1A Welfare Worker
(See “Social Service”) Window Cleaner 1A
Wood Industry (Shop only; see “Lumber Industry” for
others) Foreman (Office duties only) 3A
Cabinetmaker (Carpenter)2A Sander, Spray Painter,
Varnisher, Finisher 1A Writer/Author NE
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Because paying for life's expenses are not always as certain as your
responsibilities... These top rated
Disability Insurance Companies can all but alleviate the problem!
The Purpose of Disability Insurance
Disability insurance was created to insure you for
a disabling sickness or injury, these plans will provide an individual
the ability to continue their standard of living. They are designed to
replace up to 60% of taxable income.
As you can observe above, there are a significant number of carriers
available to search out the best occupational definitions, and
occupational rating classes for your particular profession.
Q. If you are permanently disabled and cannot work, what will
Social Security
cover?
A. Social Security has a cap on the amount
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waiting period before eligibility, plus another 7 months before you
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Q. If you collect disability income benefits, do you have to pay
Income Tax
on them?
A. Provided
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the benefits are not taxable. However, if premiums are deducted from
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More> |
Lewis Fink is licensed as
insurance agents offering these benefits in the following
states:
Alabama - AL,
Arkansas - AR,
California - CA,
Colorado - CO,
Connecticut - CT,
Delaware - DE,
District of Columbia - DC,
Florida - FL,
Georgia - GA,
Idaho - ID,
Illinois - IL,
Indiana - IN,
Iowa - IA,
Kansas - KS,
Kentucky - KY,
Louisiana - LA,
Maine - ME,
Maryland - MD,
Massachusetts - MA,
Michigan - MI,
Mississippi - MS,
Missouri - MO,
Montana - MT,
Nebraska - NE,
New Mexico - NM,
New Jersey - NJ,
New York - NY,
North Carolina - NC,
North Dakota - ND,
Ohio - OH,
Oklahoma - OK,
Pennsylvania - PA,
Rhode Island - RI,
South Carolina - SC,
South Dakota - SD,
Tennessee - TN,
Texas - TX,
Utah - UT,
Vermont - VT,
Virginia - VA,
and
Wisconsin - WI.
Note: Not all companies may offer products in all states.
Note: We do not
provide legal or tax advice. The general information presented
on various tax aspects contained in this site are not intended
to be relied upon as tax advice. Individuals should seek the
advice of a qualified tax professional regarding the taxation of
these benefits as they apply to your particular situation.
These benefits are
offered in all states except: AK, HI, WA, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC
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Term Life America.com Disability Insurance
888.587.8511
9:00AM - 5:00PM Mon. > Fri. E.T.
National Marketing
PO Box 30248 Charleston, SC 29417
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