Your client's occupation plays an important role in our assessment of their application. Our underwriters look at a variety of factors which can have an impact on the terms we offer such as:
- Musculoskeletal conditions like back pain or upper limb disorders as a result of physically demanding work, repetitive actions and poor posture
- Work-related stress causing anxiety and physical symptoms
- Respiratory disorders.
- Over half of employee fatalities are a result of being struck by a vehicle or object, or falling from heights
- Handling or slips, trips and falls
- Fire, explosion or electrical accidents.
Depending on your client's job title we may ask if their occupation involves the following:
- Any manual or physical duties
- Regular work at heights outside of over 15 metres
- Working in the Merchant Navy
- Flying, other than as a fare paying passenger
- Working offshore in the fishing industry or oil and gas industry.
Your client's occupation will decide the definition of disability which applies to any Total Permanent Disability or Premium Protection cover included within the plan but this may change following medical underwriting.
To check your client's occupation to see if TPD and PP are available and the definition that would apply, use our definition of disability indicator tool.