Disability Income Agent and Underwriting Guidelines Underwriting Guide.pdf · The USHC Disability...
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43 Disability Income Agent and Underwriting Guidelines The USHC Disability Income (DI) Plan is available to all working individuals ages 18 through 59. Most eligible applicants will be issued a policy provided they meet our company’s simplified underwriting guidelines and have not missed more than five consecutive days at work due to an accident or sickness within the last 180 days. The USHC DI is available in monthly benefits of $400 to $3000. The benefit amount may not be greater than 2/3 (67%) of the gross monthly income. Benefit amounts greater than $3000 will be considered upon request, subject to prior underwriting approval. Your applicant can choose a 7-day, 14-day, 30-day, 60-day, or 90-day elimination period. 60 or 90-day elimination periods are only available with our five year benefit period. Benefit periods can be selected for six months, one year, two years, or five years. It is essential that you be familiar with our system for classifying occupations for the disability income plan. We have basically six types of classifications (P), (A), (*A), (B), (*B) and (NA). (P): Professionals and executives in whom their usual and customary duties are mostly “white collar” type occupations including sales, clerical, office, administrative and teaching duties. Such persons must be career oriented and demonstrate good job attitudes. (A): Persons exposed to certain activities and hazards involving travel laboratory, technical and service work. (*A): Same as “(A)” except subject to more hazards; the maximum benefit period is two years. (B): Persons engaged in skilled and manual occupations subject to accident exposure such as building tradesmen, farmers, automobile service, and repair. Maximum benefit period is two years for all (B). (*B): Maximum benefit period is six months. Person subject to more hazards, including the less skilled employee, person whose job functions require longer periods of recuperation from disabilities before being able to resume their usual duties and occupations in which it is difficult to determine the degree of disability because of certain factors. (NA): Not Acceptable In order to properly classify your applicant, the occupation and exact duties must be fully and accurately described on the application. Be sure to list all of their duties and activities performed. When there are multiple occupations or seasonal work, you should classify the most hazardous one. Applicants must be employed on a full time basis at the time of application. An applicant who is laid off, between jobs, on disability, or is a part- time employee, is not eligible. If an occupation is not listed, you may call or write the home office after you have obtained the applicant’s exact job duties for all occupations. Please remember, these classifications are only guidelines and the underwriter will have the final determination of the classification of the risk, based on all information received.
Transcript of Disability Income Agent and Underwriting Guidelines Underwriting Guide.pdf · The USHC Disability...
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Disability Income Agent and Underwriting Guidelines
The USHC Disability Income (DI) Plan is available to all working individuals ages 18 through 59. Most eligible applicants will be issued a policy provided they meet our company’s simplified underwriting guidelines and have not missed more than five consecutive days at work due to an accident or sickness within the last 180 days.
The USHC DI is available in monthly benefits of $400 to $3000. The benefit amount may not be greater than 2/3 (67%) of the gross monthly income. Benefit amounts greater than $3000 will be considered upon request, subject to prior underwriting approval. Your applicant can choose a 7-day, 14-day, 30-day, 60-day, or 90-day elimination period. 60 or 90-day elimination periods are only available with our five year benefit period. Benefit periods can be selected for six months, one year, two years, or five years.
It is essential that you be familiar with our system for classifying occupations for the disability income plan. We have basically six types of classifications (P), (A), (*A), (B), (*B) and (NA).
(P): Professionals and executives in whom their usual and customary duties are mostly “white collar” type occupations including sales, clerical, office, administrative and teaching duties. Such persons must be career oriented and demonstrate good job attitudes.
(A): Persons exposed to certain activities and hazards involving travel laboratory, technical and service work.
(*A): Same as “(A)” except subject to more hazards; the maximum benefit period is two years.
(B): Persons engaged in skilled and manual occupations subject to accident exposure such as building tradesmen, farmers, automobile service, and repair. Maximum benefit period is two years for all (B).
(*B): Maximum benefit period is six months. Person subject to more hazards, including the less skilled employee, person whose job functions require longer periods of recuperation from disabilities before being able to resume their usual duties and occupations in which it is difficult to determine the degree of disability because of certain factors.
(NA): Not Acceptable
In order to properly classify your applicant, the occupation and exact duties must be fully and accurately described on the application. Be sure to list all of their duties and activities performed. When there are multiple occupations or seasonal work, you should classify the most hazardous one. Applicants must be employed on a full time basis at the time of application. An applicant who is laid off, between jobs, on disability, or is a part-time employee, is not eligible.
If an occupation is not listed, you may call or write the home office after you have obtained the applicant’s exact job duties for all occupations.
Please remember, these classifications are only guidelines and the underwriter will have the final determination of the classification of the risk, based on all information received.
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Disability Income Class Codes
Occupation Class Accountant/CPA P
Actor/Entertainer NA
Actuary P
Acupuncture (certified/MD) P
Adjuster (accounts/claims) P
Advertising:
Account executive P
Artist, copywriter P
Manager, proprietor P
Air conditioning (installer/repair) A
Airport Personnel:
Air traffic control NA
Freight handler B
Fuel handler A
Flight attendant A
Manager, office P
Supervisory P
Passenger agent P
Security guard *A
Ticket clerk P
Alarm Installer A
Anesthesiologist P
Anesthetist P
Animal Care:
Groomer A
Horse shoer (farrier) B
Kennels A
Shelters A
Announcer A
Antique Dealer A
Appliance Delivery B
Appliance Repair A
Appraiser P
Architect P
Artist, commercial
Not self-employed P
Self-employed *B
Asbestos Removal NA
Assessor P
Attorney/Legal assistant P
Auctioneer P
Audiologist P
Auditor P
Author or Writer (Salaried full-time) P
Self-employed, in-home NA
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Occupation Class Automotive:
Body repair A
Garage/service A
Owner/employer A
Mechanic A
Salesman P
Stock clerk P
Washer B
Spray painter B
Aviation:
Aircraft pilot, crew NA
Member, instructor NA
Babysitter NA
Bacteriologist P
Bail Bondsman P
Baker A
Bakery Owner P
Bank:
Attendant P
Messenger P
Bookkeeper/teller P
Examiner, inspector P
Officer, manager P
Security guard *A
Barber:
In-home NA
Not in-home *A
Bar Owner, Bartender, Waitress or Cleanup *B
Bartender (restaurant only) *A
Beautician:
In-home NA
Not in-home B
Biochemist P
Biologist P
Blacksmith (farrier) *A
Bookstore:
Owner/manager P
Clerk/cashier P
Stock clerk A
Adult merchandise NA
Botanist P
Bowling Alley employee A
Breeder A
Bricklayer/Mason B
Broker:
Bond/stock P
Insurance/real estate P
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Occupation Class Commodity *A
Business Executive P
Business Machines:
Manager, proprietor P
Salesman P
Service repair A
Butcher B
Cabinet Maker A
Cable TV Installer A
Cameraman (no aerial or stunt) P
Campground Owner
Year-round employee A
Carpenter B
Carpet:
Cleaner *A
Installer B
Cashier P
Casino (see gambling)
Caterer A
Cattle Dealer P
Transporting B
Cemetery:
Superintendent P
Office P
Laborer B
Chemist P
Chimney Cleaner B
Chiropractor P
Cleaning Person *A
Clergyman P
Clerk; office or other P
Coach; school/college A
Comptroller P
Computer:
Programmer P
Operator P
Repair/service P
Construction:
Foreman A
Laborer B
Contractor:
Aluminum siding installation B
Bricklayer/mason B
Carpenter B
Electrician B
Heavy equipment operator B
Painter B
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Occupation Class Paving laborer B
Plumber B
Sheet rocker B
Convenience Store:
Owner and employees *A
Cook, Chef A
Copywriter (office duties only) P
Correctional Officer *A
Cosmetic Sales (i.e. Avon) A
Cosmetologist B
Craftsman (light material):
In-home *B
Not in-home *A
Crop Duster NA
Dance Teacher NA
Day Care Center P
In-home & licensed *A
Dentist P
Dentistry:
Dental hygienist P
Office assistant P
Laboratory technician P
Dermatologist P
Designer:
In-home *B
Not in-home A
Detective (see Police)
Dietitian:
Cooking A
Non-cooking P
Director P
Disc Jockey A
Dispatcher A
Diver/Diving Attendant NA
Dog Catcher *A
Dog Groomer *A
Dog Kennel:
Owner A
Employee *A
Draftsman P
Dressmaker:
In-home *B
Not in-home A
Drill Press Operator A
Driver:
Ambulance *A
Armored car *A
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Occupation Class Beer and soda *A
Bus *A
Cement truck B
Courier *A
Explosives NA
Garbage collection B
Gasoline (retail trade) *A
Gasoline (other) B
Light delivery A
Limo A
Long hauler B
Milk, bread or dairy *A
Paper products *A
Movers B
Private chauffeur P
Taxi cab B
Tow truck B
Dry Cleaners A
Editor P
Electrician (licensed/apprentice) A
Electrolysis Technician:
In-home NA
Not in-home *A
Electronic Tech/Inspector A
Electroplating A
Elevator:
Inspector A
Repair/installation B
Engineer:
Professional P
Safety P
Stationary A
Engraver A
Equipment Operators:
Backhoe, trencher, loader *A
Bulldozer, grader, power shovel, crane, dragline, heavy truck for mining B
Explosive handler NA
Exterminator/Fumigator B
Factory Worker *A
Farmer/Rancher:
Proprietor/foreman A
Full-time worker B
Migrant or hired hands NA
Fast Food; proprietor/employee A
Fireman A
Fisherman *B
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Occupation Class Floor Finisher B
Florist:
Sales P
Delivery *A
Greenhouse A
Arrangement
Food Vendor:
Canteen (sales/delivery) *A
Street vendor, year-round *A
Street vendor, seasonal NA
Forest Ranger *B
Freight Handler B
Funeral Director:
Non-embalmer P
Embalmer A
Furniture Mover/Delivery *B
Gambling (Casino, riverboat, off-track betting, horse/dog track,
where legalized and operated in conformity with the law)
Operating manager P
Supervisor, cashier, dealer, game operator, security A
Mechanic, cook, bartender, betting clerk, table waiter and B
busboy
Game Warden *B
Gardener/Landscaper (yr round) *A
Garbage Collection B
Geologist P
Glazier A
Golf Pro Shop; driving range (all year) *A
Government Employee:
Office (management, supervisory or clerical) P
Skilled light labor or foremen *A
Skilled heavy or unskilled labor B
Graphic Designer:
Self-employed P
Not self-employed P
Granite Worker:
Shop B
Pit/quarry NA
Grocery Store:
Proprietor/manager P
Clerk/cashier P
Butcher A
Harbor Pilot *A
Hazardous Waste NA
Health Club:
Proprietor P
Attendant/instructor *A
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Occupation Class Heating (installer/repair) A
Heavy Equipment Operator B
Homemaker (sole occupation, full time) NA
Hospital, Medical Center, Clinic, Asylum and Sanatoriums:
Administrator, manager P
Office personnel P
Dietitians (not cooking) P
Kitchen/laundry *B
Professional medical assistant P
Dental assistant P
Mental health technician P
Professional technician P
Physician/surgeon P
Anesthesiologist P
Lab/x-ray technician P
Pharmacist P
Phlebotomist B
Therapist P
Psychiatrist P
Psychologist P
Registered nurse P
Licensed practical nurse P
nurse aide/assistant B
Private duty nurse B
Attendants/orderlies *B
Guards:
Asylum B
Hospital/sanatorium *A
Hotel/Motel/Inn/Resort Club:
Cashier, clerical P
Proprietor/manager P
Bellboy, captain *A
Doorman *A
Electrician, engineer A
House detective A
Housekeeper, cleaning, chamber maid *A
Maintenance A
Elevator:
Passenger service P
Freight service A
Laundry (see Laundry) *B
Installer:
Fire and burglar alarm A
Importer/Exporter A
Ice Industry A
Insurance Industry P
Interior Decorator A
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Occupation Class Iron Worker (see Metal Industry)
Janitor, Custodian *A
Jeweler:
Gemologist, owner, clerk P
Manufacturing A
Jockey NA
Junk Dealer:
Proprietor/supervisor only P
Non-yard worker *A
Yard worker B
Karate Instructor NA
Kennel Worker B
Laboratory Technician P
Laborer B
Landscaper:
Year-round *A
Seasonal NA
Land Surveyor P
Laundry:
Proprietor, supervisor, clerk P
Delivery/other workers *A
Self-service managers/attendants P
Librarian P
Lineman (Cable, Telephone)
Exchange, installation P
House wiring, repair P
Other workers A
Tower erectors B
Lithographer P
Locksmith P
Logger/Woodsman *B
Blasters or explosives NA
Longshoreman NA
Lumber Industry:
Mills:
Foremen, graders, inspectors, stationary, engineers, foremen, lathe, planning, shingle, frame assemblers, machine, setters
*A
Laborers/yardmen B
Saw:
Saw filers *A
Stationary engineers, firemen, other workers B
Yards:
Foremen, graders, inspectors, scalers *A
Loaders, pilers, truckers B
Machinist A
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Occupation Class Mail (see Postal Service)
Maintenance A
Manicurist:
In-home NA
Not in-home B
Marine Industry:
Captain, harbor pilot, lighthouse employee *A
Foremen, mates, deckhand, firemen, dipper tenders,
lever men, maintenance B
Diver NA
Martial Arts NA
Mason/Bricklayer B
Masseurs B
Mechanic A
Medical Secretary (see Hospital) P
Mental Institution (see Hospital)
Messenger Service *A
Metal Industry:
Executive P
Superintendent P
Office personnel P
Foremen (supervisory only) P
General:
Die casters, embossers, electroplaters, gunsmith, file cutters, solderers, pattern makers, spinners, tool dressers, tool makers
A
Hammermen:
Drop press A
Large articles B
Sheet metal, tinsmith:
Shop only A
Others B
Sandblasters *B
Welders B
Hot metal:
Skilled workers A
Manual operations B
Cold finish operations A
Meteorologist P
Meter Inspector/Reader A
Military Personnel NA
Milk/Dairy/Bread Delivery *A
Mining Industry:
Office duties P
Underground operations NA
Municipal (see State Employee)
Musicians:
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Occupation Class Concert *A
Theatre *A
Symphony *A
Night club NA
Music teacher P
In-home *B
Nanny-full time *B
Newspaper, Magazine:
Publisher, manager, editor, correspondent, reporter P
Photographer (no aerial, stunt or war work) P
Distribution, drivers, helpers, mailers *A
Nuclear Plant Employee NA
Nurse (see Hospital)
Nurseryman *A
Office, General Office or Supervisory P
Oil, Natural Gas:
Operators, producers, office and travel, superintendents,
managers, oil scouts, geologists, timekeepers P
Foremen, tool pushers, gougers, inspectors, pump men,
pipeline walkers, loaders, pumpers and pipeline engineers *A Drillers, painters, pump-line men, stationary engineer, firemen,
roughnecks, roustabouts, tool dressers, and other skilled B
workers
Shooter and explosive handlers NA
Offshore oil workers NA
Ophthalmologist P
Optician (sales, fit, shopwork) P
Optometrist P
Osteopath P
Painter B
Pallet-making or breaking down B
Paperhanger B
Paralegal P
Para-Medical Examiner P
Para-Medical EMT A
Parking Garage Attendant *A
Pawnbroker *A
Pharmacist P
Photographer:
Studio portrait only P
Commercial (no aerial, stunt or war work) P
Motion picture A
Physician or Assistant P
Physical Therapist A
Physicist P
Piano Mover B
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Occupation Class Pilot and Instructor NA
Pipefitter/Plumber A
Plasterer A
Plumber A
Podiatrist P
Policeman:
Fire, fish/game warden *B
Federal law enforcement examiners and office P
Border patrolmen *B
FBI agent A
Marshal’s and deputy’s office and court P
IRS agent P
Narcotics *B
Secret service A
City and state law, office and court P
Process serving P
Other:
Making arrests A
Detectives A
Pool cleaning and service *A
Postal Service *B
Printing and Publishing:
Compositor, engraver, electrotyper, linotypes,
managing editor, photoengraver, proofreader, publisher P
Typesetter P
Press feeder/printer A
Prison Guard *A
Probation or Truant Officer P
Process Server P
Professional Athlete NA
Professor P
Property Manager P
Psychiatrist P
Psychologist P
Purchasing Agent P
Radiologist P
Railroad Employee:
Supervisory/management P
Other *A
Rancher (see Farmer)
Receptionist P
Restaurant:
Management/proprietor P
Headwaiters, cashiers, checkroom P
Chef, cook, counterman, waiter, waitress *A
Bartender *A
Busboy, dishwasher NA
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Occupation Class Road Laborer B
Roofer:
Owner P
Estimator/supervisor *A
Roofer B
Salesman
Schools:
Office and teachers P
Maintenance A
Seamstress/Dressmaker:
In-home *B
Not in-home A
Secretary P
Security Guard *A
Sewage, Disposal and Service B
Sheet Metal Worker A
Sheet Rocker B
Shoemaker/Repairer A
Sign and Billboard Erector B
Shop or bench work only A
Skiing Instructor NA
Social Worker or Service P
Soundman *A
Stagehand B
State/Municipal employee:
Management/office/professional P
Skilled labor *A
Unskilled labor B
Statistician P
Surveyor P
Tailor A
Taxi Cab Driver B
Taxidermist P
Teacher P
Telephone Installer A
Telephone Operator P
Tile Setter B
Tool and Dye B
Tools-sales and delivery A
Travel Agent P
Tree Surgeon, Trimmer B
Truck Driver (see Driver)
Tug Boat Pilot B
Upholsterer A
Veterinarian:
Small animals (cats, dogs, etc) P
Large animals A
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Occupation Class Warehouse:
Stocker equipment A
Checker P
Packer and watchman *A
Gateman at industrial plants P
Welder:
Spot or machine A
Other B
Well Driller:
Owner/manager *A
Employee B
Window Washer:
Inside or ground floor *A
All others NA
X-Ray Technician P
Zoos:
Zoo director P
Zoo keeper A
Attendant or feeder B
