Disability Income Agent and Underwriting Guidelines

1 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 .

2 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).

3 (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.

4 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.

5 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.

6 44 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 45 Occupation Class Automotive.

7 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 46 Occupation Class Commodity *A Business Executive P Business Machines.

8 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 47 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 ( Avon) A Cosmetologist B Craftsman (light material).

9 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 48 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.

10 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 49 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.