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Disability Insurance > By Occupation > Occupation Summary

Disability Insurance Occupation Summary

This page is designed to provide you with an overview of the occupation class system Berkshire uses for their individual disability insurance product line. You can also get an excellent idea of how much this product will cost by using the instant disability insurance rate tool provided to the left. The tool provides an extensive list of occupations Berkshire covers, the information below is designed to help those occupations not listed figure out which occupation class they would be.

Class 6 & 6M

This occupation class is the highest classification one could have on their disability insurance policy. It means you have the lowest rate available from the insurance company. It is available to the following occupations which have the most favorable experience: actuaries, architects, attorneys, CPAs, engineers (degreed with office and administrative duties only, and a professional engineer license), optometrists and business owners or corporate executives who meet the following requirements:

  • is employed full time in a business which is financially sound, has been in existence for five years, and has prospects for a stable future.
  • the business owner has 10+ full time employees other than the owner, with at least five employees qualifying for occupation class 5 or class 4.
  • daily duties are office, managerial, administrative, or technical, little or no sales or travel, no physical or manual duties, and
  • $150,000 salary and bonus for the past two years.

Class 5 & 5M

There is no difference in the policy for somebody in class 5 or class 6, except for the rate. People in class 5 are charged more than people in class 6 because of company experience. Class 5 includes those professional and executive occupations that qualify for preferential classification and underwriting limits because of stability of employment and income, the demand for their service, educational, training and experience qualifications; whose duties are primarily office only and who would not be totally disabled if unable to travel, and who meet the following requirements:

  • is employed full time in a business which is financially sound, has been in existence for five years, and has prospects for a stable future.
  • the business has 5+ full-time employees and cannot be supervising anyone with manual duties.
  • $100,000 salary and bonus for the past two years

Instant Disability Insurance Quote


Click here for important information regarding the information displayed here.

business woman

Class 4 & 4M

People who receive class 4 & 4M policies just pay more than people in class 5. Duties of a class 4 occupation are generally limited to office, sales and travel with no manual duties involved. This is an occupation class for office, clerical, executive, professional or semi-professional occupations requiring a high degree of stability and responsibility. Duties generally limited to office, sales and travel with no manual duties involved. A salary of $75,000 and bonus for the past two years is required.

Class 3 & 3M

The class includes occupations that require more physical activity than class 4, plus certain occupations which may not be hazardous but where the claim experience has not been the same as class 4.


We are a sales agency, and we wish we could offer quotes to every occupation, unfortunately the major insurance company we sell for is quite selective when it comes to occupations. If your occupation requires quite a bit of manual duties such as carpentry or truck driving, has a relatively high level of risk, requires travel to countries that our government has travel warnings posted, or requires you to be on-site at construction sites, or visit potentially dangerous areas like mines we would most likely not be able to offer a disability insurance proposal to you.


Click here for important information regarding the statistics and information displayed on this page.

1. If you choose to have an optional rider on your policy your premium will increase.

2. This benefit is not necessarily protection against increases in the cost of living.

3. Retirement Protection Plus is not a pension plan, qualified retirement plan, or qualified individual retirement account or a substitute for one.

 
2017-51691 Exp 12/19