Term Life Insurance & Term Life Insurance Quotes
Disability Insurance

  888.587.8511
disability insurance you can afford, and we're not pushy!
 

  Disability Insurance And Disability Insurance Quotes

 
 
 


 Disability Insurance Occupational Class Definitions

 


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 | X | Y | Z

 
A
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  N
E

   top

B
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
                                                                                             top
C
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

   top

D
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”)

     top

E
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
 

    top

F
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

    top

G
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

top

H
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

   top

I
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

    top

J
Janitor  1A
Jeweler
Office or Sales Only  4A
Handwork  3A
Jockey NE
Judge (With law degree)  4A
Junk Dealer  1A

   top

K
Karate Instruction
Owner only, no instructing 1A
Instructor  NE
Kennel Worker 2A

    top

L
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

    top

M
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

     top

N
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

    top

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

                                                                                                       top
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

    top

Q
Quarry Industry (See “Mining”)

    top

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

     top

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

   top

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
                                                                                              top

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

    top

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

  top

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

  top

Y
 

top

Z
  •   top
     


  • Related Topics
                      Types of Disability insurance coverage
       
                    
      Renewability  Provisions  
                   
      Benefits       
                    
      Definition of Total Disability   
                    
      Optional Benefits
                      Residual Disability Benefits   
                    
      Other Policy Benefits   
                      Terms
                      Occupation Definitions   
                    
      Occupation Class Look Up 
                                                
    Not all insurance products from all insurance companies are available 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, & WY. License #'s: CA: OC38446 MT: 29724 F00-0283-LC 


    <Return To Previous Page>