Occupational ratings guide for insurance MLC MasterKey Business Super

Transcription

1 Occupational ratings guide for insurance MLC MasterKey Business Super Preparation date XX 13 February Month Issued Issued by The by Trustee, ABN 90 ABN MLC Nominees MLC Limited Pty Ltd (MLC) AFSL AFSL The Universal Super Scheme (The Scheme) ABN

2 This guide is to assist you in classifying the occupation of your employees for the purpose of providing them with insurance in your MLC MasterKey Business Super Plan.

3 Occupational ratings guide for insurance An occupation classification is determined not by the employee s title but by their duties. This guide covers a wide variety of occupations. In some cases, determining the occupation classification of an employee may be straightforward, for example, as for an accountant or a professional football player, while in other cases, the classification may be a little more complex. When you ve located the correct classification for the occupation of your employee, you ll need to provide us with this information. If you re a user of MLC SuperEzy (our Internet payment facility) this can be provided online, or be provided at the time you send us details of any new employees you wish to enrol in your Plan. Determining occupation classification The occupation for your employees is determined by the duties they perform, not by their title. For example, the managing director of a small construction company who is a licensed plumber by trade and who performs manual work on building sites is not classified as white-collar professional because of his title as managing director. ather, he is classified as blue collar due to his manual duties as a plumber. Always obtain and consider full details of the person s actual duties. Don t classify their occupation on the basis of general terms such as company director, manager, contractor, driver or labourer alone. The business or industry should be considered together with the particular occupation. Unlisted occupations Occupations not included in this guide should be rated in accordance with other similar listed occupations. Two occupations Where a person has more than one occupation, they should be rated for the occupation that represents the higher risk. For example, a clerk who has a second job as a waiter would be rated as heavy blue collar. Consideration will be given to a more favourable rating where the person spends less than 20% of their total work time in the more hazardous occupation. Note: when providing details of occupations to us, you may not be aware of an employee s second occupation. Where this is the case, you need only classify the person on the basis of the information known to you. Occupational ratings guide for insurance 3

4 Employment status categories Part time workers egardless of the occupation rating of an employee, income protection insurance is not available if they work less than 15 hours per week. Casual workers egardless of the occupation rating of an employee, income protection insurance is not available to casual workers. Seasonal or contract workers egardless of the occupation rating of an employee, income protection insurance is not available to seasonal or contract workers. Members in fixed term employment Where an employee s occupation rating makes them eligible for income protection insurance, and the employer has elected to include this benefit, the income protection benefit period is limited to the remainder of their contracted period of employment. ating classification and description s are grouped in the following categories. To be accepted in this classification, the employee must be in one of the occupations listed in this category. The classification may also apply to degree-qualified business executives, who are well established and earning a net minimum of $100,000 pa in addition to the requirements outlined for the classification. To be accepted in this classification, the employee must be in one of the occupations listed in this category. Alternatively they should be in a similar occupation with either no manual duties or very light-skilled duties such as bank tellers or dental nurses. These occupations should meet the following requirements: Have no exposure to unusual occupational hazards; and An emphasis on mental rather than physical work. This classification includes office staff and salespeople not engaged in heavy lifting or deliveries. This classification includes jobs with less than 20% light manual work or direct supervision of manual workers. For example, a site foreman who spends the majority of time in a site office or performing supervision duties. This classification consists mainly of certified or licensed tradesmen doing skilled specialised manual work. This classification consists of employees who do manual but not hazardous work. This classification consists of employees in hazardous occupations or in occupations which present special difficulties in assessing the insurer s risk. This classification consists of employees in occupations so hazardous that the insurer is unable to accept the risk. If you have any questions on the above, please call Occupational ratings guide for insurance

5 Occupation classifications Key to occupation classifications Definition efer to Underwriting this occupation requires individual consideration. Please call Underwriting on ate for occupation rated according to the employees usual occupation. For example if the employee is a qualified electrician working in mining and classified as Mining surface worker qualified they can be rated for your usual occupation, electrician. Code FO Abattoir supervisor Apiarist or beekeeper Abattoir worker or slaughterer Aquarium shop worker Accountant Archaeologist field work Accounts clerk or bookkeeper Archaeologist office only Actor or actress Architect (qualified) Actuary Acupuncturist (qualified Aust registered) Advertising executive (degree qualified) Armed Services All ranks (no special hazards) Armed Services Navy divers (no special hazards) Aerobics instructor Armed Services Navy submariners Agricultural contractor (established > 3 years) Agronomist Air conditioning installer Alarm installer Ambulance officer or driver Amusement parlour or centre Amway salesperson full time Amway salesperson part time Anaesthetist Animal breeder Animal groomer Animal shooter Animal trainer Announcer radio or television Antenna erector Antique dealer delivery Armoured van driver Art dealer Artist commercial only Artist painter or sculptor Artist supplies shop worker Asbestos worker Asphalt layers Assessor insurance Astronomer Auctioneer Audiologist, Audiometrist Auditor (tertiary qualified) Author Auto electrician Aviation industry air traffic controller Aviation industry aircraft maintenance refueller, security, unskilled worker Antique dealer restoration Antique dealer sales and office Aviation industry aircraft maintenance qualified, skilled worker Occupational ratings guide for insurance 5

6 Occupation classifications Aviation industry ground staff baggage handler or porter Aviation industry ground staff cleaner Aviation industry ground staff management and clerical Beekeeper or apiarist Bicycle store worker Biochemist Biologist (no field work) Aviation, agriculture or cattle mustering Biologist, Marine (field work, no diving) Aviation or balloonists professionals Blacksmith or farrier Aviation or charter (professional pilot) Blaster or explosives handler Aviation instructor Aviation military pilots and crew Aviation parachutists instructors Blind, awning, screen manufacturer or installer Blind, awning, screen supervising, quoting (up to 20% light manual only) Aviation parachutists military (not special air services) Aviation regular public transport (pilots and crew) Boarding house owner Boat builder Boating equipment supply or chandler Aviation test pilots Bobcat, backhoe or bulldozer other Avon sales person Baby shop worker Backhoe, bobcat, bulldozer others Backhoe, bobcat, bulldozer owner or operator est. 3 years Bobcat, backhoe or bulldozer owner operator established 3 yrs Boilermaker Book shop worker Bookbinder Bailiff Bookkeeper Baker Bookmaker (licensed) Bakery - supervisor Bootmaker Bank, building society, credit union security staff Bank, building society, credit union manager, clerk, teller Botanist Bottle dealer Brassware shop worker Barber Bread or cake shop worker Barrister Brewing industry chemist Bartender Brewery labourer Battery fitting Brewery supervisor Beach inspector Bricklayer Beautician salon only Bricklayer s labourer Beautician working from home or mobile Brickworks employee unskilled Bedding store worker Builder (qualified) 6 Occupational ratings guide for insurance

7 Builder s labourer Building industry joiner qualified Building industry air conditioning installer Building industry antenna erector Building industry architect Building industry backhoe, bobcat, bulldozer others Building industry labourer Building industry lift erector or mechanic Building industry painter Building industry paver Building industry plasterer Building industry backhoe, bobcat, bulldozer owner, operator est >3 yrs Building industry bricklayer Building industry bricklayer s labourer Building industry builder s labourer Building industry plumber other Building industry plumber roof Building industry riggers Building industry roof worker-tiler, plumber, repairer Building industry cabinet maker qualified Building industry carpenter qualified Building industry ceiling fixer Building industry cement renderer Building industry concrete cutter Building industry concrete worker Building industry steel erector or fixer Building industry tiler-floors and walls Building industry tiler-roof Bus driver or conductor interstate Bus driver or conductor local Business executive (degree qualified, earning net min. $100,000) Building industry construction supervisor Butcher qualified (no slaughtering) Building industry crane operator Butler Building industry decorator Cabinet maker qualified Building industry demolition worker (no explosives) Building industry draftsperson (qualified) Building industry drainer Building industry earthmovers others Building industry earthmovers owner operator est. 3 yrs Cafe owner or worker Cameraman aviation Cameraman other Cameraman studio Cane shop worker Canvas goods manufacturer Building industry electrician Caravan park owner Building industry elevator mechanic Card shop worker Building industry foreman, supervisor (no manual work) Building industry glazier Building industry handyman Building industry house stumper Cardiologist Caretaker Carnival owner or employee Carpenter qualified Occupational ratings guide for insurance 7

8 Occupation classifications Carpenter not qualified, less than 5 years Carpet layer Carpet, floor coverings store sales only Cartographer Cashier financial institution Cashier supermarket Clothing industry fashion designer (not working at home), management (no manual work), salesperson (no deliveries) Clothing industry patternmaker, tailor or dressmaker (shop department store) Clothing industry process worker or machinist, tailor or dressmaker working at home Casino (government licensed) senior management, clerical, cashier Casino (government licensed) bar staff, security staff Casino (government licensed) croupier Casino (government licensed) waiter Caterer Ceiling fixer Chauffeur Chef Chemist industrial, non hazardous Chemist other Chemist pharmacy Club employees bar staff, security staff Club employees clerical and senior management Club employees waiter Coffee lounge Commercial artist Commercial traveller Commodity broker Compositor Computer industry analyst, consultant, programmer (degree qualified) Computer industry - keyboard operator, sales, systems operator/adminstrator, technician Chemist shop pharmacist, shop assistant Computer shop Child or day care centre not working at home qualified Child or day care centre other China and glassware shop Chiropodist Chiropractor government registered Chiropractor other Circus worker or performer Cleaner brick, street, window city or industrial Concrete worker Confectionery shop Cook Conveyancer Conveyancer (degree qualified) Coroner Correctional Officer Courier driver other Courier driver-owner establish 2 years Cleaner cleaner, office, factory or school carpet suburban home, window suburban home only Clergyman Clerk Courier motorcycle or bicycle Crane operator Crayfisherman Curator (museum, art gallery, library) 8 Occupational ratings guide for insurance

9 Customs agent clerical Customs agent (other than clerical) Customs officer Customs officer (field work) Dance instructor Debt collector not repossessions Debt collector repossessions Delicatessen Demolition worker (no explosives) Drillers (water and mineral sample, not offshore) Driver ambulance Driver armoured car Driver bus local Driver bus long distance or interstate Driver chauffeur Driver courier car, van other Driver courier car, van owner established 2 years Dental hygienist or therapist Driver courier motorcycle or bicycle Dental nurse Driver crane driver Dental or orthodontic technician Driver dairy deliveryman or milkman Dentist Driver driving instructors Department store cleaner Driver explosive Department store clerical, sales, senior management Department store deliveries, storeman Dermatologist Diamond cutter, polisher, setter Die maker Dietician (qualified and registered) Disposal store sales Diving construction, bridge, dams, dock, pier Driver forklift Driver garbage collections Driver hire car owner or driver Driver logging Driver petrol or petroleum products Driver removalists Driver taxi other Driver taxi owner driver establish 2 years Driver tow truck Diving instructor (professional) Diving professional deep sea exploration Diving professional abalone Diving professional, military (no bomb disposal) or police Dock worker or stevedore Doctor Draftperson qualified Drainer Driver truck and van local establish 2 years Driver truck and van local other Driver truck and van long distance or interstate Dry cleaning Duty free shop worker Earthmovers others Earthmovers owner operator established 3 years Economist Occupational ratings guide for insurance 9

10 Occupation classifications Editor films, newspapers (etc) Electrical goods retailer delivery Electrical goods retailer light manual Film and TV industry cameraman aviation Film and TV industry cameraman mainly studio Electrical goods retailer sales Film and TV industry cameraman other Electrician Electronic supply store sales Electroplater Elevator mechanic Embalmer Endocrinologist Engineer (qualified) offshore or underground inspections Engineer (qualified) consulting, office duties minimal site work, no manual work Engraver ENT Surgeon Entertainer Equipment and plant hire Estate agent Explosives worker Factory hand or worker Farm employee or labourer Farm manager Farm owner (established 2 years) beef cattle, dairy, grape grower, mixed farming, oyster, poultry, sheep, sugar cane, wheat Farm owner (established 2 years) fruit grower, orchardist, market gardener Farm owner (established 2 years) harvesting contractor Film and TV industry producer, director, editor Financial consultant or adviser Financial planner, adviser, agent (tertiary qualified minimum earnings $100,000 net per annum) Firemen airport, city, forestry Firemen fire chiefs and senior officers Firemen oil and natural gas Fish and chip shop worker Fisherman Fishmonger Fitter Floor covering fixer Floor sander Florist delivery Florist shopkeeper Foundry French polisher Fruit grower or orchardist Fruit picker Funeral director Furnishings retailer (cushions, fabrics, not furniture) Furniture removalist Farrier or blacksmith Furniture retailer new deliveries Fast food or take away Furniture retailer new light manual Fencing contractor Furniture retailer new sales only Fibre glass moulder Furniture retailer used Film and TV industry actor or actress Furrier 10 Occupational ratings guide for insurance

11 Garbage contractor Garden shop worker Gardener domestic or landscape other Gas industry fitter Gas industry inspector, meter reader or tester Gas industry pipe laying Gastroenterologist General surgeon Geologist (consultant and office only) Geologist mainly field work, including underground or offshore Horse riding jockey steeple or rodeo (professional) Horse riding instructor Horse strapper Horse trainer Hospital staff doctor or laboratory technician Hospital staff nurse s aide Hospital staff nurse or nursing sister Hospital staff porter or wardsman Hotel or motel industry bar staff Hotel or motel industry head waiters Gift shop worker Glazier Goldsmith, silversmith Golf instructor (not professional player) Hotel or motel industry housekeepers or chambermaids Hotel or motel industry security staff Hotel or motel industry waiters or waitresses Grape grower Graphic designer Greengrocer Greenkeeper Grocer Gunsmith Gymnasium instructor Gynaecologist, obstetrician Haberdasher Hairdresser Handyman Hardware retailer Health food store worker Home maintenance contractor Homemaker Horse breeder Horse riding jockey flat or harness Hotel or motel industry managers admin only Hotel or motel industry managers other House restumper Hypnotherapist well established Ice cream parlour Importer or exporter clerical Inspector (health, buildings etc) Instrument maker Insulation installer Insurance consultant Interior decorator consulting only Interior decorator other Interpreter Investor Jackeroo Janitor Jeweller manufacture Occupational ratings guide for insurance 11

12 Occupation classifications Jeweller retail Machinery or equipment hire Jockey flat or harness Machinist metal or wood qualified Jockey steeple Machinist supervisor (no manual work) Joiner other Mail contractor Joiner qualified Management consultant Journalist (no unusual hazards) Manicurist not working at home Judge, Magistrate Marina owner Kennel proprietor Marine engineer (seaman) Lab technician non hazardous Market gardener Labourer farm labourers Martial arts instructor Labourer others in regular employment Masseur other Landbroker Masseur salon only Landscape architect (degree qualified, no manual work) Landscape gardener other Meat industry inspector Meat industry supervisor (up to 10% manual work) Lawnmower sales or sales and service Meat packer Lawnmowing contractor Mechanic Lawyer Medical practitioner Lecturer, Professor, Tutor - full time in university Librarian Lift erector or mechanic Light fittings store worker Linesman telephone or electrical Liquor store worker Livestock broker, buyer, dealer Locksmith Logging in mill (permanent mill only) Logging mobile mill Merchant banker (degree qualified) Merchant marine Metal dealer (scrap) Metallurgist (office duties only) Meteorologist Meter reader (gas or electricity) Milk bar Milk vendor Mining clerical or executive manager Mining explosives handler (surface and underground workers) Logging tree feller Logging tree surgeon Loss adjuster Mining surface or underground worker other (no explosives) Mining surface worker qualified (no explosives) FO Lumber (yard work) Model 12 Occupational ratings guide for insurance

13 Motor cycle mechanic Office equipment salesman Motor cycle salesman Office equipment serviceman Motor vehicle accessories and spare parts sales Motor vehicle assembly worker Motor vehicle detailer Office supplies or stationer Office worker Oil or gas onshore or offshore worker other Motor vehicle mechanic Motor vehicle salesman Motor vehicle trimmer Motor vehicle wrecker Moulder Museum or gallery proprietor Music teacher in school, university or college Oil or gas onshore or offshore workers geologists, engineers or lab technician Oncologist Opthalmic surgeon Ophthalmologist Optical dispenser or mechanic Optician, optometrist Orchardist or fruit grower FO Musical instrument sales lifting or deliveries Musical instrument sales sales only Musician Nanny Naturopath Neurologist Neurosurgeon Newsagent Newspaper staff editor, journalist or reporter (no unusual hazards), office worker Orthodontist Orthopaedic surgeon Osteopath (well established) Outdoor supplies retailer (tents, BBQ) Paediatrician Paint or wallpaper store Painter Panel beater Park ranger Parking station attendant Newspaper staff photographer or printer Parking warden Nurse enrolled nurse or nurse s aide Pastry cook Nurse intellectual disability Pathologist Nurse mothercraft Patternmaker (industrial eg foundry) Nurse registered or nursing sister Paver Nurse registered Pawnbroker Nurseryman Payroll guard Occupational health and safety inspector Periodontist Occupational therapist Personnel consultant Occupational ratings guide for insurance 13

14 Occupation classifications Pest exterminator Produce merchant Pet shop worker Professional sportsman Pharmacist Professor (university) Photoengraver Psychiatrist Photographer aviation Psychologist Photographer mainly studio Photographer other Photographic store worker Physician Physicist Physiotherapist Piano tuner Picture framer Pulp and paper mill employees (in mill or yard only) Quantity surveyor Quarry worker (no explosives) adio and television announcer adiographer adiologist ailway worker driver or guard, signalman, station assistant or station master Pilot harbour Plasterer Plumber other Plumber roof Podiatrist Police airwing or bomb disposal Police other officers including motorcycle police or special operations group ailway worker railway police, shunter, track laying or maintenance ailway worker labourer eal estate eceptionist ecord shop worker efrigeration mechanic ehabilitation consultant (medically qualified) Police special operations group emovalist Police dog squad enal physician Police superintendents Post office counter clerk or manager Post office postman or sorter Potter Poultry farmer Printer epairman office equipment or household appliances eporter (no unusual hazards) estaurant employees chef estaurant employees cook or waiter estaurant owner administration only, no cooking or waiting Prison warder estaurant owner other Private investigator igger Process worker clothing industry, hazardous industries (eg munitions, acids) oof worker tiler, fixer or repairer 14 Occupational ratings guide for insurance

15 ubbish collector Shopkeeper bookshop Saddlemaker Shopkeeper bootmaker Sailmaker Shopkeeper brassware shop Sales representative, deliveries Shopkeeper bread or cake shop Sandblaster Shopkeeper butcher no slaughtering Sawmill worker (permanently located mill only) Scaffold erector School principal, Headmaster, Head Teacher Scrap dealer (metal) Seaman navy Shopkeeper butcher slaughtering Shopkeeper cafe Shopkeeper cane shop Shopkeeper card shop Shopkeeper carpet, floor coverings store sales only Second hand dealer Shopkeeper chemist shop pharmacist Secretary Shopkeeper chemist shop shop assistant Security guard Shopkeeper china and glassware shop Service station cashier or console operator, mechanic or proprietor Shearer Sheet metal worker Shipwright Shoe shop (retail sales or not repair) Shoemaker or repairer Shopfitter Shopkeeper clothing store Shopkeeper coffee lounge Shopkeeper computer shop Shopkeeper confectionery shop Shopkeeper delicatessen Shopkeeper department store cleaner Shopkeeper department store clerical sales only Shopkeeper adult books and merchandise Shopkeeper antique dealer delivery Shopkeeper antique dealer restoration Shopkeeper department store deliveries, storeman Shopkeeper department store senior management Shopkeeper antique dealer sales and office Shopkeeper aquarium shop Shopkeeper artist supplies Shopkeeper disposal store Shopkeeper duty free shop Shopkeeper electrical goods retailer deliveries Shopkeeper baby shop Shopkeeper bedding store Shopkeeper bicycle store Shopkeeper electrical goods retailer light manual Shopkeeper electrical goods retailer sales only Shopkeeper boating equipment supply or chandler Shopkeeper electronic supply store sales Shopkeeper fast food or take away Occupational ratings guide for insurance 15

16 Occupation classifications Shopkeeper fish and chip shop Shopkeeper paint or wallpaper store Shopkeeper florist Shopkeeper pawnbroker Shopkeeper florist delivery Shopkeeper pet shop Shopkeeper furnishings retailer (cushions or fabric not furniture) Shopkeeper furniture retailer new deliveries Shopkeeper photographic store Shopkeeper produce merchant Shopkeeper record shop Shopkeeper furniture retailer new light manual Shopkeeper furniture retailer new sales only Shopkeeper furniture retailer used Shopkeeper garden shop Shopkeeper gift shop Shopkeeper greengrocer Shopkeeper second hand goods Shopkeeper shoe shop (retail sales not repair) Shopkeeper shoemaker or repairer Shopkeeper sporting goods store Shopkeeper stationer Shopkeeper supermarket administration only Shopkeeper grocer Shopkeeper supermarket cashier Shopkeeper gunsmith Shopkeeper supermarket other Shopkeeper haberdasher Shopkeeper swimming pool supplies Shopkeeper hardware retailer Shopkeeper take away food Shopkeeper health food store Shopkeeper tobacconist Shopkeeper ice cream parlour Shopkeeper toy shop Shopkeeper jewellery store Shopkeeper video shop proprietor Shopkeeper light fittings store Showman Shopkeeper liquor store Signwriter Shopkeeper locksmith Singer Shopkeeper milk bar Skiing professional Shopkeeper motor vehicle accessories and spare parts Shopkeeper musical instruments sales only Skylight fitter Social worker Solicitor Shopkeeper musical instruments sales lifting or deliveries Shopkeeper newsagent Shopkeeper nursery or garden shop Shopkeeper office supplies or stationer Shopkeeper outdoor supplies retailer (tents, BBQ) Speech therapist, pathologist Sporting goods store Sports person professional Spray painter Squash court proprietor 16 Occupational ratings guide for insurance

17 Stationer Teacher (school, university or college) Statistician Telephone technician Steel erector or fixer Telephonist Steeplejack Tennis coach (not professional player) Stevedore Steward (airline) Stock and station agent no manual duties Stockbroker (degree qualified) Stockman Stonemason Storeman Student Stuntman Sugar cane farmer owner established 2 years Supermarket administration only Supermarket cashier Supermarket - manager (manual duties) Supermarket other Surfboard shaper Surveyor field or office only, quantity Surveyor marine or mines Swimming instructor Swimming pool builder Swimming pool supplies worker TAB agent Take away food shop worker Tanner Tax consultant (tertiary qualified) Taxi other Taxi owner driver established 2 years Taxidermist Teacher s aide Theatre or cinema confectionery seller, manager, ticket seller, usher or projectionist Tiler floors and walls Tiler roof Timber merchant Tobacconist Toolmaker Tour guide Tow truck driver Town planner Toy shop worker Train driver or guard Travel agent or consultant Tree feller or tree lopper Tree surgeon Tugboat crew (not deep sea) Tupperware salesperson TV technician Typesetter Typist Tyre fitter and repairs Tyre sales worker Undertaker Upholsterer Urologist Valuer Vending machine serviceman Veterinary nurse Veterinary surgeon Occupational ratings guide for insurance 17

18 Occupation classifications Video shop proprietor Vigneron Waiter, waitress (restaurant) Wallpaper hanger Watchmaker Water proofer Welder Welfare officer Wharf labourer Window cleaner city or industrial Window cleaner suburban home only Window dresser Window tinter motor vehicle, home or office Wine merchant wholesale and retail Wine maker qualified (no manual labour) Wine maker unqualified (no manual labour) Wine maker other Wool broker or buyer Wool classer Wrecker or demolisher (no explosives) X-ray machine operator or technician Zoo worker Zoologist 18 Occupational ratings guide for insurance

19 Occupational ratings guide for insurance 19

20 For more information call MLC from anywhere in Australia on or contact your financial adviser. Postal address MLC Limited, PO Box 200 North Sydney NSW 2059 egistered office Ground Floor, MLC Building Miller Street North Sydney NSW 2060 mlc.com.au MLC Limited ABN AFSL Part of the National Australia Bank Group of Companies M0215