Occupational Classification
A critical underwriting factor for disability insurance. Most insurance companies group jobs according to the degree of injury risk they pose. These groups are typically identified as classes 1, 2, 3 and 4 (or A, B, C and D). Class 1 occupations are the least hazardous and class 4 occupations are the most hazardous. Other forms of income insurance—particularly workers' comp—also use occupational classifications.
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