Occupational ratings guide for insurance - MLC

Occupationalratings guide forinsuranceAn occupationclassification isdetermined not bythe employee’s titlebut by their duties.This guide covers a wide varietyof occupations.In some cases, determining theoccupation classification of an employeemay be straightforward, for example,as for an accountant or a professionalfootball player, while in other cases,the classification may be a littlemore complex.When you’ve located the correctclassification for the occupation of youremployee, you’ll need to provide uswith this information. If you’re a user ofMLC SuperEzy (our Internet paymentfacility) this can be provided online, or beprovided at the time you send us detailsof any new employees you wish to enrolin your Plan.Determining occupationclassificationThe occupation for your employeesis determined by the duties theyperform, not by their title. For example,the managing director of a smallconstruction company who is a licensedplumber by trade and who performsmanual work on building sites is notclassified as white-collar professionalbecause of his title as managing director.Rather, he is classified as blue collar dueto his manual duties as a plumber.Always obtain and consider full detailsof the person’s actual duties. Don’tclassify their occupation on the basisof general terms such as ‘companydirector’, ‘manager’, ‘contractor’, ‘driver’or ‘labourer’ alone. The business orindustry should be considered togetherwith the particular occupation.Unlisted occupationsOccupations not included in this guideshould be rated in accordance withother similar listed occupations.Two occupationsWhere a person has more than oneoccupation, they should be rated for theoccupation that represents the higherrisk. For example, a clerk who has asecond job as a waiter would be rated asheavy blue collar. Consideration will begiven to a more favourable rating wherethe person spends less than 20% oftheir total work time in the morehazardous occupation.Note: when providing details ofoccupations to us, you may not beaware of an employee’s secondoccupation. Where this is the case, youneed only classify the person on thebasis of the information known to you.Occupational ratings guide for insurance Page 3