Occupation class guide - Legal & General

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1

Occupation class guide

For adviser use only

Occupation class guide

2

Welcome to the Occupation Class Guide

This guide will help you to determine your customer's occupation class. Your customer's occupation will decide the definition of disability or incapacity which applies to their policy in the event of a claim. These definitions will also differ depending on the type of plan purchased (see chart on page 3).

This guide contains a list of job titles with the relevant occupation class. However, these are for guidance only and it is possible that your customer's job title is not listed. If you need any help in finding your customer's occupation class, please contact the Medical Underwriting Technical Advice Line (MUTAL) on 0370 333 3699 Monday to Friday from 9am to 6pm. For your protection, we may need to record and monitor calls. Call charges will vary.

Depending on the product applied for and the route applied through, we will ask some or all of the following questions about whether your customer's occupation involves working:

a) outside at heights over 15 metres for more than 5 hours during a typical week. 15 metres is the height of a typical three-storey building. For Whole of Life applications only ? outside at heights over 12 metres (40 feet) for more than 10% of the time;

b) in the Armed Forces or as a member of the Army Reserve;

c) in the offshore fishing industry;

d) in the offshore oil or gas production industry;

e) underwater;

f) underground, for example: mining, tunnelling;

g) with explosives;

h) as a full-time barman, barmaid or landlord in a public house. Full time means working an average of 30 or more hours a week.

Individual consideration is required for those indicating any of the above apply.

Part-time workers ? Part-time workers can apply for an income protection policy, however, if they work less than 16 hours per week the customer would only be eligible for houseperson's cover.

Critical illness & income protection ? We will need additional occupational information for these products. Your customer will need to indicate which of our occupation categories best describes their occupation (please refer to the table below). For selected critical illness and all income protection occupations, we will also need the customer's specific job title.

Housepersons ? If your customer is a houseperson, unemployed, student or retired, they will not need to select an occupation category, they will proceed under our `Housepersons' category.

Occupation Categories

Working in an office-type environment for at least 75% of your typical working day

Education, for example: teacher, lecturer, head teacher, classroom assistant, nursery worker

Nurse, staff nurse, charge nurse, sister, matron, auxiliary, paramedic, practice nurse, dental nurse, district nurse, midwife

Surgeon, anaesthetist, obstetrician, gynaecologist, dentist, dental hygienist, care assistant, carer, social worker or physiotherapist

Physician, medical or general practitioner, hospital doctor, psychiatrist, osteopath

Retail, for example: salesperson, retailer, shop worker or manager (except market traders)

Catering, for example: caterer, chef, cook, waiter, waitress, kitchen staff

Other (including the exceptions above)

General Description Office type work Education Nursing Surgeon, etc. Laboratory Technician/Doctor, etc. Retail Catering

Class 1 3 3 3 2 2 2

3

Occupation class guide

Definitions of Disability or Incapacity by Occupation Class

Claim Total and Permanent Disability

Incapacity

Product(s)

Life Insurance with Critical Illness Cover (CIC) Increasing Life Insurance with CIC Decreasing Life Insurance with CIC Critical Illness Cover Increasing Critical Illness Cover Decreasing Critical Illness Cover Family and Personal Income Plan with Critical Illness Cover Increasing Family and Personal Income Plan with Critical Illness Cover Family and Personal Income Plan Critical Illness Cover Increasing Family and Personal Income Plan Critical Illness Cover Rental Life Insurance with Critical Illness Cover Increasing Rental Life Insurance with Critical Illness Cover

Income Protection Benefit Increasing Income Protection Benefit Rental Income Protection Benefit Increasing Rental Income Protection Benefit

OCC Classes

1, 2

Definitions of Disability for all Products

Own occupation definition. However, the customer can choose Specified Work Tasks (SWTs) if they want.

1, 2, 3, 4, H We will pay out if your customer fails 3 out of 6 SWTs.

1, 2, 3, 4 H

Own occupation definition.

We will pay out if your customer fails 3 out of 6 Activities of Daily Living.

Activities of Daily Living/Specified Work Tasks

Occupation Categories Walking Climbing

General Description The ability to walk more than 200 metres on a level surface. The ability to climb up a flight of 12 stairs and down again, using the handrail if needed.

Lifting Bending

The ability to pick up an object weighting 2kg at table height and hold for 60 seconds before replacing the object on the table.

The ability to bend or kneel to touch the floor and straighten up again.

Getting in and out of a car Writing

The ability to get into a standard saloon car, and out again.

The manual dexterity to write legibly using a pen or pencil, or type using a desktop personal computer keyboard.

Occupation class guide

4

Waiver of Premium

The definition of disability is shown below:

Product(s)

Decreasing Life Insurance Decreasing Life Insurance with Critical Illness Cover Decreasing Critical Illness Cover Life Insurance Increasing Life Insurance Life Insurance with Critical Illness Cover Increasing Life Insurance with Critical Illness Cover Rental Life Insurance with Critical Illness Cover Increasing Rental Life Insurance with Critical Illness Cover Critical Illness Cover Increasing Critical Illness Cover Family and Personal Income Plan Increasing Family and Personal Income Plan Family and Personal Income Plan Critical Illness Cover Increasing Family Personal Income Plan Critical Illness Cover Family and Personal Income Plan with Critical Illness Cover Increasing Family and Personal Income Plan with Critical Illness

Whole of Life Protection Plan

OCC Classes

Definitions of Disability for all Products

1, 2, 3, 4, H

Unable to follow your normal occupation and not following any other. OR If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 SWTs.

1, 2, 3, 4, H

Unable to follow your normal occupation and not following any other.

OR

If not in gainful employment we will pay if your customer is unable to perform 3 out of 6 FATs.

Abbreviations and Occupation Class Codes

The following codes are used in the Occupation Class listings:

Code IP CI WOP

Product

Income protection

Critical illness

Waiver of Premium For WOP all occupations are acceptable unless a "U" or "IC" is shown.

Code A U EO IC EP

Definition of Disability Acceptable Unacceptable Exclude occupation (CIC only) Individual Consideration ? refer to Underwriting Helpdesk (MUTAL) Extra Premium

* Details given in this guide are for those customers NOT working at heights (see page 2 for our definitions of working at heights). Otherwise treat as IC. If an occupation is not specifically listed then those occupations, where working at heights is involved, are likely to receive the following decisions. The most likely outcome is in the attached table:

Life cover

A rating would be applied

Waiver of premium

This benefit would not be available

Critical illness

An occupation exclusion would be applied

TPD ? own occupation definition This benefit would not be available

TPD ? SWT DEFINITION

This benefit would normally be available

Income protection

This type of policy would not be available

IPB Policies only ^ For this occupation the minimum deferred period is 8 weeks and the maximum expiry age allowed is 65. For this occupation the maximum expiry age allowed is 50.

5

Occupation class guide

A

Occupation/Job Title

Accountant/Accountancy Assistant Actor/Actress (No Stunt Work) Actor/Actress (Stunt Work) Actuary/Actuarial Assistant Acupuncturist Admin. Staff/Managers (Office Type Work) Advertising Agent/Clerk/Executive Aerial Erector* Agricultural Worker Aircraft Engineer Aircraft Loader Aircraft Maintenance and Repair Air Steward/Stewardess Air Traffic Controller/Control Assistant/Planner Airline Manager/Superintendent/Check-in Staff Airline Pilot (Major Commercial Airlines) Airline Pilot (Other Airlines) Alarm Fitter Ambulance Crew Ambulance Driver^ Anaesthetist Animal Nurse/Nursing Auxiliary Animal Welfare Officer Antique Dealer Antique Restorer Architect Armed Forces Member ? No special duties and not under orders Artexer Artist Asbestos Worker Asphalter Assembly Line Worker/Assembler Atomic Energy Worker Auditor Author

B

Occupation/Job Title

Baggage Handler Bailiff Baker ? Bakery Baker ? In a Shop Bank Staff Bar Manager/Manageress/Staff/Steward(ess) Barber

Occupation Class 1 3 3 1 2 1 1 4 4 3 4 3 3 1 1 3 3 4 3 3 3 2 2 2 3 1

4

4 3 4 4 4 3 1 3

Life Cover

A A IC A A A A A A A A A A A A A IC A A A A A A A A A

A

A A A A A A A A

WOP

A U U A A A A A U A A A A A A U U A A A A A A A A A

U

A A U U A A A A

CI

CI TPD OWN

A

A

A

U

EO

U

A

A

A

A

A

A

A

A

A

U

A

U

A

U

A

U

A

U

A

U

A

A

A

A

A

U

IC

U

A

U

A

U

A

U

A

U

A

A

A

A

A

A

A

U

A

A

A

U

A

U

A

U

EO

U

EO

U

A

U

A

U

A

A

A

U

CI TPD SWT

IP

A

A

A

U

EO

U

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

U

IC

U

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

EO

U

EO

U

A

A

A

A

A

A

A

A

Occupation Class

4 2 3 2 1 4 2

Life Cover

A A A A A A A

WOP

A A A A A A A

CI

CI TPD OWN

A

U

A

A

A

U

A

A

A

A

A

U

A

A

CI TPD SWT

IP

A

A

A

A

A

A

A

A

A

A

A

A

A

A

Occupation class guide

B

Occupation/Job Title

Barrister Beautician/Beauty Therapist Bed and Breakfast Proprietor Bingo Hall Attendant/Caller Biochemist Blacksmith Boat Builder Bookkeeper Bookmaker ? No On-Course Work ? On-Course Work Box Office Clerk ? Cinema or Theatre Breakdown Recovery Patrolman^ Brewery Worker Bricklayer* Bricklayer's Mate* Builder* Builder's Mate* Building Contractor Building Inspector/Technician Building Site Foreman Building Site Manager Building Society Manager and Staff Building Surveyor Bulldozer Driver Butcher ? Shop Work Only ? Otherwise Bus Driver^ Business Analyst/Consultant Buyer (Retail)

C

Occupation/Job Title

C.A.D. Designer Cabin Crew (Airline) Cafe Owner/Proprietor (Licensed Premises) Cafe Owner/Proprietor (Unlicensed) Cafe (Unlicensed) ? Assistant/Cashier/Worker/Supervisor Call Centre Operator/Manager Camera Operator Canine Beautician Canteen Assistant/Supervisor Car Mechanic Car Salesperson Car Valet Care Worker (including Residential) Caretaker, Janitor Carpenter* Carpet Cleaner Carpet Fitter Carriage Cleaner

6

Occupation Class

1 2 3 3 1 4 4 1

2 3 2 3 2 4 4 4 4 4 2 4 3 1 1 4

2 4 3 1 1

Life Cover

A A A A A A A A

A A A A A A A A A A A A A A A A

A A A A A

WOP

A A A A A A A A

A U A A A A U A A A A A A A A U

A A A A A

CI

CI TPD OWN

A

A

A

A

A

U

A

U

A

A

A

U

A

U

A

A

A

A

A

U

A

A

A

U

A

A

A

U

A

U

A

U

A

U

A

U

A

A

A

U

A

U

A

A

A

A

A

U

A

A

A

U

A

U

A

A

A

A

CI TPD SWT

IP

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

A

A

A

A

Occupation Class

1 3 4 2

2

1 2 2 2 3 2 3 3 3 4 4 4 4

Life Cover

A A A A

A

A A A A A A A A A A A A A

WOP

A A A A

A

A A A A A A A A A A U A U

CI

CI TPD OWN

A

A

A

U

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

U

A

U

A

U

A

U

A

U

A

U

A

U

CI TPD SWT

IP

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

U

7

Occupation class guide

C

Occupation/Job Title

Cashier ? Bank or Building Society ? Otherwise Casino Steward/Stewardess CCTV Installer CCTV Operator Cemetery Attendant Caterer/Catering Assistant Chambermaid Chandler Chartered Surveyor Chauffeur^ Checkout Operator Chef (including Head Chef) Chemical Engineer Chemist (Not Shop, Mining or Research Work) Chemist (Shop, Mining or Research Work) Child Carer/Childminder Child Protection Officer Chimney Sweep Chiropodist Chiropractor Chocolatier Cinema Worker Civil Engineer Civil Servant (Office-based) Claims Adjuster/Assessor Classroom Assistant Cleaner ? Asbestos Cleaner (Domestic/Hospital/Office/Industrial Premises ? Internal Only) Clergyman/woman Clerical Assistant/Officer/Worker Cloakroom Attendant Clock and Watch Maker/Repairer Clothing Designer ? Doing Office-Type Work in an office environment for

at least 75% of a typical working day ? Otherwise Club Manager Club Proprietor/Steward(ess) Coach Driver^ Coal Merchant (Administrative) Coal Merchant (Manual) Coal Miner ? See Miner Coast Guard Commodity Broker/Jobber Community Worker Company Director ? If doing Office-Type Work in an office environment for

at least 75% of a typical working day ? Otherwise outcome likely to be as listed unless

the specific job title that reflects the nature and the environment of the work is listed separately Compliance Manager Computer Analyst/Consultant/Programmer/ Services Manager/Software Engineer Computer Engineer

Occupation Class

1 2 3 3 1 4 2 3 2 1 3 2 2 3 1 2 3 1 3 2 2 2 2 1 1 1 3 4

4

1 1 3 3

1

3 4 4 3 1 4

3 1 3

1

3

1

1

3

Life Cover

A A A A A A A A A A A A A A A A A A A A A A A A A A A A

A

A A A A

A

A A A A A A

A A A

A

A

A

A

A

WOP

A A A A A A A A A A A A A A A A A A A A A A A A A A A U

U

A A A A

A

A A A A A A

A A A

A

A

CI

CI TPD OWN

A

A

A

A

A

U

A

U

A

A

A

U

A

A

A

U

A

A

A

A

A

U

A

A

A

A

A

U

A

A

A

A

A

U

A

A

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

EO

U

A

U

A

A

A

A

A

U

A

U

A

A

A

U

A

U

A

U

A

U

A

A

A

U

A

U

A

A

A

U

A

A

A

U

CI TPD SWT

IP

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

EO

U

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

Occupation class guide

8

C

Occupation/Job Title

Concrete Operative (Erector/Finisher) Conductor ? Train Crew ? Railways Construction worker ? See Builder

Consultant ? Hospital (No Surgery) ? Hospital (Surgeon)

Cook ? See Chef Crane Driver* Court Usher Cricket Player (Professional) Customs and Excise Officer ? Port Control Customs and Excise Officer ? Investigative Work Customer Services Agent/Supervisor/Manager

D

Occupation/Job Title

Dance Teacher Dancer Darts Player (Professional) Debt Collector Delivery Driver^ Dental Nurse Dentist or Dental Assistant/Auxiliary/ Consultant/Hygienist Detention Centre Warden Dietician Digger Driver Dinner Lady Director ? Doing Office-Type Work in an office environment for

at least 75% of a typical working day ? Otherwise outcome likely to be as listed unless

the specific job title that reflects the nature and the environment of the work is listed separately Diver/Instructor Docker Doctor (Not Surgeon/Anaesthetist and Not Armed Forces) Doctor (Surgeon/Anaesthetist and Not Armed Forces) Dog Breeder Dog Walker Door and Window ? Assembler/Installer/Fitter Double Glazing ? Assembler/Installer/Fitter Drain Cleaner Driver ? Not Heavy Plant or Construction^ Driving Examiner/Instructor^ Dry Cleaning Shop Owner/Staff Dustman

Occupation Class 4 3

2 3

4

1

4 1 1 1

Occupation Class 3 3 4 3 3 3 3 3 1 4 2

1

3

4 4 2 3 2 3 4 4 4 4 3 3 4

Life Cover

A A

A A

A A A A A A

Life Cover

A A A A A A A A A A A

A

A

IC A A A A A A A A A A A A

WOP

A A

CI

CI TPD OWN

A

U

A

U

CI TPD SWT

IP

A

A

A

A

A

A

A

A

A

U

U

EO

U

A

A

A

U

A

U

A

A

A

A

A

A

A

A

A

A

A

A

A

EO

U

A

A

A

U

A

A

A

A

A

A

WOP

U U U A A A

A

A A U A

A

A

CI

CI TPD OWN

A

U

A

U

A

U

A

U

A

U

A

U

A

U

A

U

A

A

A

U

A

A

A

A

A

U

CI TPD SWT

IP

A

U

A

U

A

IC

A

A

A

A

A

A

A

A

A

A

A

A

A

U

A

A

A

A

A

A

U

IC

U

U

A

U

A

A

A

A

A

U

A

A

A

A

A

U

A

A

U

A

A

U

U

EO

U

A

A

U

A

A

U

A

A

U

U

EO

U

IC

U

A

U

A

A

A

A

A

A

A

A

A

A

A

A

EO

U

A

A

A

A

A

A

EO

U

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