Class 1
Occupations where the duties include technical or trade functions that may require heavy manual labor or services, continual physical dexterity and
hazardous environmental exposure. Typically, longer periods of recuperation from disability are required. Examples may include chiropractors, factory laborers,
firefighters, police officers, roofers and carpet layers.
Class 2
Occupations where the duties include semiprofessional, skilled trade or technical functions that may require continual physical dexterity and manual labor or services.
Examples may include carpenters, electricians, farmers, mechanics, plumbers, cosmetologists and truck drivers.
Class 3
Occupations where the duties include professional, semi-professional, supervisory or technical functions that may require on-site supervision,
moderate physical dexterity with little or no manual labor or services*. Examples may include cashiers, dental hygienists, medical technicians and on-site supervisors.
Class 4
Occupations where the duties include professional and specialized technical functions within the medical or dental field that may require physical dexterity
with little or no manual labor or services*. Examples may include surgeons, dentists, nurse practitioners and CRNAs.
Class 5
Occupations where the duties are limited to administrative, professional, managerial and clerical with no manual labor or service demands and
minimal physical dexterity demands. Examples may include accountants, actuaries, bookkeepers, computer analysts, draftsmen, and secretaries.
* Little or no manual labor or services means no more than 10% of the time performing manual labor or services not to exceed 4 hours in any given workweek
where at least 3 full-time employees or at least 5 subcontractors performing manual labor or services are directly supervised or managed by the Proposed Insured.
