insurance cost and occupation classification guide
TRANSCRIPT
INSURANCE COST AND OCCUPATIONCLASSIFICATION GUIDE
HUB24COMAU
1 APRIL 2019
This Insurance Cost and Occupation Classification Guide (the Guide) has been prepared with the intention of providing you with an understanding of the cost of insurance and your occupation classification that applies to group insurance cover available through the HUB24 Super Fund ABN 60 910 190 523 (the Fund)
Any financial product advice contained in this Guide is of a general nature only and has been prepared without taking
into account your objectives financial situation or needs Therefore before making a decision you should consider the appropriateness of the product having regard to your objectives financial situation or needs Please read the relevant Product Disclosure Statement (PDS) for the Fund which can be obtained from your adviser or by calling 1300 854 994
References made to terms within this Guide are defined in the PDS
Contents
bull Cost of Insurance 2
bull Occupational Rating Factors 5
bull Rates Tables 6
bull Occupation Classification Guide 14
bull Occupation Classification 15
perforation
2 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
If you take out insurance with the Fund your insurance cost will be deducted directly from your cash account on a monthly basis in arrears
Your insurance costs will depend on
bull your age gender smoking status and occupational classification
bull the type of cover and benefits that you have chosen and
bull for income protection (IP) cover the benefit period and waiting period applicable to you
Generally your insurance costs include
bull your insurance premiums including stamp duty (if applicable) payable to the insurer
bull an insurance administration fee of 2475 (inclusive of GST and net of RITCs) of the total insurance cost payable to the administrator
bull if your adviser elects to charge you a brokerage of up to 22 (including GST) of the total cost of your insurance with the actual amount payable as agreed between you and your adviser Note the adviser brokerage amount you provide on the Group Insurance Application Form will not take into account any RITCs that may be claimed Where applicable the actual amount that will be deducted from your cash account may be adjusted for RITCs that may be claimed in respect of this fee and may therefore be less than the amount you specify on the application form
Please note that loadings (additional insurance costs) may apply to you depending on your personal circumstances You will be advised of any additional loadings by the insurer at the time your application for cover is accepted by the insurer
Family Linking and Large Sum Insured DiscountsYou may receive a 5 family discount (Family Linking Discount) if an immediate family member has group insurance cover in the Fund
You may also be eligible for a discount of 10 (Large Sum Insured Discount) on the death and Total and Permanent Disablement (TPD) component of your insurance costs provided
a you have Tailored cover and
b death and TPD cover each exceeds $1000000
Please refer to the table below for more details on whether you are eligible to receive either the Family Linking andor Large Sum Insured Discounts
Family Linking Discount Large Sum Insured Discount
Eligibility You may only nominate your immediate family
members who
bull are linked within the Fund andbull have insurance within the Fund
You must have death and TPD cover of at least $1000000 through the Fund
Discount description
The approved Family Linking Premium Discount
will apply to the linked Insured Personsrsquo
premium rates
bull from the date of written confirmation of the required approval and
bull until the Fund or the insurer cancels the discounts
The approved Large Sum Insured Discount
Percentage will apply to the Insured Personrsquos
premium rate
bull from the date of the insurerrsquos written confirmation of the required approval and
bull until the Fund or the insurer cancels this discount
Type of cover applicable
Death only death and TPD and IP cover Death and TPD cover (not available to members
with death only cover)
Insurance option Available with Standard Cover and Tailored Cover options
Tailored Cover option only
Your adviser can provide you with an exact amount of the insurance costs applicable to your cover In addition please see the examples below on how to calculate the cost of your cover under lsquoExample of calculating insurance cost for Death TPD and Income Protection coverrsquo of this Guide
Cost of Insurance
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INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 3
Cost of Insurance
Calculation of insurance costFor Tailored Cover
The rates tables under lsquoRates tablesrsquo of this Guide show the rates for Tailored Cover only These rates apply to White Collar occupation ratings If you are not in a White Collar occupation then the rates will be adjusted according to the occupational rating factors set out in the table under lsquoOccupational Rating Factors tablersquo of this Guide You can work out your insurance costs for Tailored Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured The Sum Insured is the amount of cover applied for and accepted by the insurer
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the applicable death only death and TPD or IP annual rates under lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
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4 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Cost of Insurance
For Standard Cover
You can work out your insurance costs for Standard Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured For the level of Standard Cover applicable to you refer to the relevant PDS for the Fund under the lsquoLevel of cover for Standard Cover optionrsquo table and look up your age next birthday
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
To calculate the cost of insurance under Standard Cover apply the same formula for Tailored Cover above and multiply the result by 12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 5
Occupational Rating Factors
The following table outlines the occupational rating factor for each of the different occupational classifications For the definition of each occupation classification and a complete listing of occupations refer to the lsquoOccupation Classification Guidersquo section of this Guide
Occupation Classification Occupational Rating Factor
Death Only Death amp TPD Income Protection
Professional (Class 1) 0875 0875 0750
White Collar (Class 2) 1000 1000 1000
Light Blue Collar (Class 3) 1000 1250 1500
Medium Blue Collar (Class 4) 1300 1700 2000
Heavy Blue Collar
Hazardous
(Class 5)
(Class H)
1600 2100 3000
Example of calculating insurance cost for death TPD and Income Protection cover for Tailored CoverBeth is a member of the Fund with the Sum Insured of $800000 (the amount of cover selected at the time of application and accepted by the Insurer) for Death and TPD cover She has also been approved for a $3500 monthly ($42000 pa) Income Protection benefit with a 2 year Benefit Period and 90 day Waiting Period Beth works as a Medical Practitioner which is classified as a lsquoProfessionalrsquo according to the occupational classifications She is currently 42 (age next birthday 43) and a smoker
Death and TPD Income Protection (2 year Benefit Period and 90 day Wait Period)
Sum insured $800000 $42000 (per annum)
Annual insurance rate (from rate table under section lsquoRates tablesrsquo below)
190 553
Occupation Rating Factor 0875 075
Annual insurance cost (800000 times 190 times 0875) divide 1000 = $133000
(42000 times 553 times 075) divide 1000 = $17420
Total Monthly insurance cost (133000 + 17420) divide 12 = 12535
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
2 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
If you take out insurance with the Fund your insurance cost will be deducted directly from your cash account on a monthly basis in arrears
Your insurance costs will depend on
bull your age gender smoking status and occupational classification
bull the type of cover and benefits that you have chosen and
bull for income protection (IP) cover the benefit period and waiting period applicable to you
Generally your insurance costs include
bull your insurance premiums including stamp duty (if applicable) payable to the insurer
bull an insurance administration fee of 2475 (inclusive of GST and net of RITCs) of the total insurance cost payable to the administrator
bull if your adviser elects to charge you a brokerage of up to 22 (including GST) of the total cost of your insurance with the actual amount payable as agreed between you and your adviser Note the adviser brokerage amount you provide on the Group Insurance Application Form will not take into account any RITCs that may be claimed Where applicable the actual amount that will be deducted from your cash account may be adjusted for RITCs that may be claimed in respect of this fee and may therefore be less than the amount you specify on the application form
Please note that loadings (additional insurance costs) may apply to you depending on your personal circumstances You will be advised of any additional loadings by the insurer at the time your application for cover is accepted by the insurer
Family Linking and Large Sum Insured DiscountsYou may receive a 5 family discount (Family Linking Discount) if an immediate family member has group insurance cover in the Fund
You may also be eligible for a discount of 10 (Large Sum Insured Discount) on the death and Total and Permanent Disablement (TPD) component of your insurance costs provided
a you have Tailored cover and
b death and TPD cover each exceeds $1000000
Please refer to the table below for more details on whether you are eligible to receive either the Family Linking andor Large Sum Insured Discounts
Family Linking Discount Large Sum Insured Discount
Eligibility You may only nominate your immediate family
members who
bull are linked within the Fund andbull have insurance within the Fund
You must have death and TPD cover of at least $1000000 through the Fund
Discount description
The approved Family Linking Premium Discount
will apply to the linked Insured Personsrsquo
premium rates
bull from the date of written confirmation of the required approval and
bull until the Fund or the insurer cancels the discounts
The approved Large Sum Insured Discount
Percentage will apply to the Insured Personrsquos
premium rate
bull from the date of the insurerrsquos written confirmation of the required approval and
bull until the Fund or the insurer cancels this discount
Type of cover applicable
Death only death and TPD and IP cover Death and TPD cover (not available to members
with death only cover)
Insurance option Available with Standard Cover and Tailored Cover options
Tailored Cover option only
Your adviser can provide you with an exact amount of the insurance costs applicable to your cover In addition please see the examples below on how to calculate the cost of your cover under lsquoExample of calculating insurance cost for Death TPD and Income Protection coverrsquo of this Guide
Cost of Insurance
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 3
Cost of Insurance
Calculation of insurance costFor Tailored Cover
The rates tables under lsquoRates tablesrsquo of this Guide show the rates for Tailored Cover only These rates apply to White Collar occupation ratings If you are not in a White Collar occupation then the rates will be adjusted according to the occupational rating factors set out in the table under lsquoOccupational Rating Factors tablersquo of this Guide You can work out your insurance costs for Tailored Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured The Sum Insured is the amount of cover applied for and accepted by the insurer
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the applicable death only death and TPD or IP annual rates under lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
4 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Cost of Insurance
For Standard Cover
You can work out your insurance costs for Standard Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured For the level of Standard Cover applicable to you refer to the relevant PDS for the Fund under the lsquoLevel of cover for Standard Cover optionrsquo table and look up your age next birthday
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
To calculate the cost of insurance under Standard Cover apply the same formula for Tailored Cover above and multiply the result by 12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 5
Occupational Rating Factors
The following table outlines the occupational rating factor for each of the different occupational classifications For the definition of each occupation classification and a complete listing of occupations refer to the lsquoOccupation Classification Guidersquo section of this Guide
Occupation Classification Occupational Rating Factor
Death Only Death amp TPD Income Protection
Professional (Class 1) 0875 0875 0750
White Collar (Class 2) 1000 1000 1000
Light Blue Collar (Class 3) 1000 1250 1500
Medium Blue Collar (Class 4) 1300 1700 2000
Heavy Blue Collar
Hazardous
(Class 5)
(Class H)
1600 2100 3000
Example of calculating insurance cost for death TPD and Income Protection cover for Tailored CoverBeth is a member of the Fund with the Sum Insured of $800000 (the amount of cover selected at the time of application and accepted by the Insurer) for Death and TPD cover She has also been approved for a $3500 monthly ($42000 pa) Income Protection benefit with a 2 year Benefit Period and 90 day Waiting Period Beth works as a Medical Practitioner which is classified as a lsquoProfessionalrsquo according to the occupational classifications She is currently 42 (age next birthday 43) and a smoker
Death and TPD Income Protection (2 year Benefit Period and 90 day Wait Period)
Sum insured $800000 $42000 (per annum)
Annual insurance rate (from rate table under section lsquoRates tablesrsquo below)
190 553
Occupation Rating Factor 0875 075
Annual insurance cost (800000 times 190 times 0875) divide 1000 = $133000
(42000 times 553 times 075) divide 1000 = $17420
Total Monthly insurance cost (133000 + 17420) divide 12 = 12535
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 3
Cost of Insurance
Calculation of insurance costFor Tailored Cover
The rates tables under lsquoRates tablesrsquo of this Guide show the rates for Tailored Cover only These rates apply to White Collar occupation ratings If you are not in a White Collar occupation then the rates will be adjusted according to the occupational rating factors set out in the table under lsquoOccupational Rating Factors tablersquo of this Guide You can work out your insurance costs for Tailored Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured The Sum Insured is the amount of cover applied for and accepted by the insurer
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the applicable death only death and TPD or IP annual rates under lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
4 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Cost of Insurance
For Standard Cover
You can work out your insurance costs for Standard Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured For the level of Standard Cover applicable to you refer to the relevant PDS for the Fund under the lsquoLevel of cover for Standard Cover optionrsquo table and look up your age next birthday
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
To calculate the cost of insurance under Standard Cover apply the same formula for Tailored Cover above and multiply the result by 12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 5
Occupational Rating Factors
The following table outlines the occupational rating factor for each of the different occupational classifications For the definition of each occupation classification and a complete listing of occupations refer to the lsquoOccupation Classification Guidersquo section of this Guide
Occupation Classification Occupational Rating Factor
Death Only Death amp TPD Income Protection
Professional (Class 1) 0875 0875 0750
White Collar (Class 2) 1000 1000 1000
Light Blue Collar (Class 3) 1000 1250 1500
Medium Blue Collar (Class 4) 1300 1700 2000
Heavy Blue Collar
Hazardous
(Class 5)
(Class H)
1600 2100 3000
Example of calculating insurance cost for death TPD and Income Protection cover for Tailored CoverBeth is a member of the Fund with the Sum Insured of $800000 (the amount of cover selected at the time of application and accepted by the Insurer) for Death and TPD cover She has also been approved for a $3500 monthly ($42000 pa) Income Protection benefit with a 2 year Benefit Period and 90 day Waiting Period Beth works as a Medical Practitioner which is classified as a lsquoProfessionalrsquo according to the occupational classifications She is currently 42 (age next birthday 43) and a smoker
Death and TPD Income Protection (2 year Benefit Period and 90 day Wait Period)
Sum insured $800000 $42000 (per annum)
Annual insurance rate (from rate table under section lsquoRates tablesrsquo below)
190 553
Occupation Rating Factor 0875 075
Annual insurance cost (800000 times 190 times 0875) divide 1000 = $133000
(42000 times 553 times 075) divide 1000 = $17420
Total Monthly insurance cost (133000 + 17420) divide 12 = 12535
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
4 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Cost of Insurance
For Standard Cover
You can work out your insurance costs for Standard Cover by obtaining the figures described under sub-paragraphs a to c and applying these figures to sub-paragraphs d and e below as follows
a Sum Insured For the level of Standard Cover applicable to you refer to the relevant PDS for the Fund under the lsquoLevel of cover for Standard Cover optionrsquo table and look up your age next birthday
b Annual insurance rate To get the annual rate (per $1000 Sum Insured) that applies to you refer to the lsquoRates tablesrsquo below and look up the annual rate that applies to your
bull age next birthday
bull gender and
bull smoking status
c Occupational Rating Factor Locate your occupation in the lsquoOccupational Classificationrsquo table and then use the lsquoOccupational Rating Factorsrsquo table to find the value applicable to you
d Annual insurance cost To work out your annual insurance cost multiply the annual insurance rate (refer sub-paragraph lsquobrsquo above) by the applicable Occupational Rating Factor (refer sub-paragraph lsquocrsquo above) and your Sum Insured (refer sub-paragraph lsquoarsquo above) and then divide this figure by 1000
Annual insurance cost =annual insurance rate times occupational rating factor times sum insured
1000
e Monthly insurance cost To work out your monthly insurance cost divide your annual insurance cost (refer sub-paragraph lsquodrsquo above) by 12 This monthly insurance cost will be deducted from your account each month
Monthly insurance cost =annual insurance cost
12
To calculate the cost of insurance under Standard Cover apply the same formula for Tailored Cover above and multiply the result by 12
Your annual insurance cost is recalculated each year on 1 July and will vary by the
bull lesser of the increase of the Consumer Price Index (CPI) and five percent and
bull annual insurance rates applicable to your age next birthday at this time
Note Your monthly insurance cost may be pro rata for the number of days active in the first month In addition if you change your insurance cover your annual insurance cost will be recalculated at the date of change
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 5
Occupational Rating Factors
The following table outlines the occupational rating factor for each of the different occupational classifications For the definition of each occupation classification and a complete listing of occupations refer to the lsquoOccupation Classification Guidersquo section of this Guide
Occupation Classification Occupational Rating Factor
Death Only Death amp TPD Income Protection
Professional (Class 1) 0875 0875 0750
White Collar (Class 2) 1000 1000 1000
Light Blue Collar (Class 3) 1000 1250 1500
Medium Blue Collar (Class 4) 1300 1700 2000
Heavy Blue Collar
Hazardous
(Class 5)
(Class H)
1600 2100 3000
Example of calculating insurance cost for death TPD and Income Protection cover for Tailored CoverBeth is a member of the Fund with the Sum Insured of $800000 (the amount of cover selected at the time of application and accepted by the Insurer) for Death and TPD cover She has also been approved for a $3500 monthly ($42000 pa) Income Protection benefit with a 2 year Benefit Period and 90 day Waiting Period Beth works as a Medical Practitioner which is classified as a lsquoProfessionalrsquo according to the occupational classifications She is currently 42 (age next birthday 43) and a smoker
Death and TPD Income Protection (2 year Benefit Period and 90 day Wait Period)
Sum insured $800000 $42000 (per annum)
Annual insurance rate (from rate table under section lsquoRates tablesrsquo below)
190 553
Occupation Rating Factor 0875 075
Annual insurance cost (800000 times 190 times 0875) divide 1000 = $133000
(42000 times 553 times 075) divide 1000 = $17420
Total Monthly insurance cost (133000 + 17420) divide 12 = 12535
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 5
Occupational Rating Factors
The following table outlines the occupational rating factor for each of the different occupational classifications For the definition of each occupation classification and a complete listing of occupations refer to the lsquoOccupation Classification Guidersquo section of this Guide
Occupation Classification Occupational Rating Factor
Death Only Death amp TPD Income Protection
Professional (Class 1) 0875 0875 0750
White Collar (Class 2) 1000 1000 1000
Light Blue Collar (Class 3) 1000 1250 1500
Medium Blue Collar (Class 4) 1300 1700 2000
Heavy Blue Collar
Hazardous
(Class 5)
(Class H)
1600 2100 3000
Example of calculating insurance cost for death TPD and Income Protection cover for Tailored CoverBeth is a member of the Fund with the Sum Insured of $800000 (the amount of cover selected at the time of application and accepted by the Insurer) for Death and TPD cover She has also been approved for a $3500 monthly ($42000 pa) Income Protection benefit with a 2 year Benefit Period and 90 day Waiting Period Beth works as a Medical Practitioner which is classified as a lsquoProfessionalrsquo according to the occupational classifications She is currently 42 (age next birthday 43) and a smoker
Death and TPD Income Protection (2 year Benefit Period and 90 day Wait Period)
Sum insured $800000 $42000 (per annum)
Annual insurance rate (from rate table under section lsquoRates tablesrsquo below)
190 553
Occupation Rating Factor 0875 075
Annual insurance cost (800000 times 190 times 0875) divide 1000 = $133000
(42000 times 553 times 075) divide 1000 = $17420
Total Monthly insurance cost (133000 + 17420) divide 12 = 12535
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
6 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019Insurance cost and occupation classification guide6
Rates tables
Death only and Death and TPD cover
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 060 089 044 054 076 105 044 058
17 070 104 047 056 090 122 047 062
18 078 113 044 054 100 138 044 058
19 081 117 044 054 106 146 044 058
20 084 121 043 052 112 153 043 056
21 082 121 036 048 112 157 036 052
22 081 121 035 048 112 159 035 052
23 078 118 033 047 110 157 033 050
24 073 114 031 039 105 154 031 047
25 068 110 029 039 101 153 029 047
26 064 106 027 037 096 149 029 047
27 060 102 025 035 088 146 028 045
28 056 098 025 035 082 141 029 050
29 052 092 023 035 078 138 029 052
30 049 090 023 035 065 136 031 056
31 047 088 021 037 061 130 033 061
32 045 088 024 040 057 130 039 065
33 044 088 024 040 058 126 043 068
34 043 088 025 047 060 121 045 078
35 043 093 029 054 060 134 052 097
36 044 096 029 058 064 138 056 104
37 047 106 033 062 066 149 060 113
38 050 113 037 073 072 158 064 124
39 052 125 040 080 074 177 066 136
40 053 136 043 090 080 191 072 144
41 057 148 047 100 088 209 078 158
42 062 167 053 110 096 237 088 175
43 069 183 057 116 106 259 096 190
44 074 206 064 128 120 286 106 211
Rates Tables
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 7
Rates Tables
Insurance cost and occupation classification guide 7
Age next
birthday
Annual Rates per $1000 Sum Insured
Death Only Death amp TPD
Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
45 082 229 070 138 133 319 117 233
46 094 252 078 151 149 353 129 260
47 106 280 084 167 167 393 142 292
48 117 312 094 186 190 441 163 334
49 130 342 101 209 214 489 185 379
50 145 377 109 233 242 555 210 431
51 165 416 118 263 275 646 239 513
52 185 450 129 292 314 793 280 639
53 203 493 138 324 356 950 318 763
54 221 533 149 348 407 1126 364 902
55 241 582 158 376 461 1321 416 1068
56 260 613 171 403 682 1460 534 1227
57 287 675 187 436 787 1717 666 1435
58 319 747 202 473 898 1997 788 1692
59 353 821 222 514 1023 2310 906 2104
60 391 901 242 555 1123 2593 997 2298
61 436 982 260 590 1239 2801 1088 2468
62 484 1076 283 629 1361 3025 1187 2637
63 537 1169 307 670 1491 3250 1288 2805
64 597 1273 334 704 1633 3486 1389 2963
65 662 1385 360 734 1785 3732 1492 3116
66 743 1547 403 807 743 1547 403 807
67 824 1718 448 894 824 1718 448 894
68 922 1924 504 1003 922 1924 504 1003
69 1043 2175 569 1134 1043 2175 569 1134
70 1189 2481 650 1290 1189 2481 650 1290
Death and TPD annual insurance rates for ages 66 to 70 (age next birthday) are death only annual insurance rates
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
8 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide8
Rates tables
IP cover with 2 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 205 267 435 563 183 238 359 466 086 113 307 399
17 205 267 435 563 183 238 359 466 086 113 307 399
18 205 267 435 563 183 238 359 466 086 113 307 399
19 205 267 435 563 183 238 359 466 086 113 307 399
20 205 267 435 563 183 238 359 466 086 113 307 399
21 205 267 435 563 183 238 359 466 086 113 307 399
22 217 282 436 566 183 238 351 454 085 110 295 383
23 242 314 474 617 195 254 385 501 089 116 300 391
24 267 346 514 670 207 271 420 546 092 120 307 399
25 295 383 555 722 222 288 456 593 096 126 315 411
26 319 416 597 776 235 307 492 639 101 132 324 421
27 350 453 639 831 250 326 529 688 105 137 331 429
28 373 485 682 888 262 340 559 727 109 141 336 437
29 396 514 726 944 274 356 586 761 112 145 339 441
30 415 538 723 940 283 368 609 791 117 151 340 443
31 429 558 719 936 291 380 626 815 120 157 340 443
32 444 577 715 929 302 392 642 835 124 162 339 441
33 457 594 706 918 308 400 658 854 128 165 339 441
34 469 610 712 925 316 412 671 872 132 170 339 441
35 490 637 751 977 331 432 702 912 138 179 346 450
36 501 651 789 1027 342 444 718 933 145 187 347 452
37 513 667 833 1083 353 458 738 958 150 195 347 452
38 525 682 876 1139 363 472 759 986 157 205 351 457
39 540 702 922 1200 380 494 785 1022 165 214 359 465
40 555 723 975 1269 397 516 817 1063 174 227 368 478
41 577 750 1027 1336 419 545 857 1115 187 243 383 497
42 598 779 1084 1410 445 579 902 1175 202 262 403 525
43 627 816 1144 1487 480 625 957 1244 221 286 425 553
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 9
Rates Tables
Insurance cost and occupation classification guide 9
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 2 Year Benefit PeriodndashAnnual Insurance Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 660 858 1208 1572 517 672 1021 1326 245 318 458 595
45 700 910 1278 1662 566 736 1094 1423 272 355 496 645
46 747 971 1351 1757 618 804 1177 1530 307 400 540 702
47 800 1041 1431 1862 684 890 1273 1654 347 452 597 776
48 862 1122 1518 1973 760 989 1382 1795 397 516 660 858
49 937 1219 1611 2093 849 1103 1503 1955 456 593 735 954
50 1021 1326 1708 2221 951 1237 1640 2132 522 680 821 1068
51 1115 1449 1815 2360 1070 1391 1790 2327 605 785 920 1196
52 1223 1589 1932 2513 1203 1564 1957 2545 698 906 1034 1345
53 1345 1748 2060 2679 1357 1765 2141 2784 805 1047 1161 1510
54 1483 1927 2201 2860 1532 1993 2343 3046 932 1212 1306 1697
55 1637 2129 2408 3131 1730 2249 2563 3332 1074 1397 1468 1908
56 1775 2308 2630 3421 1910 2484 2739 3561 1208 1571 1609 2092
57 1964 2554 3031 3940 2157 2805 2995 3895 1391 1809 1805 2346
58 2182 2837 3482 4526 2433 3163 3273 4256 1597 2077 2021 2629
59 2428 3156 3964 5153 2747 3572 3575 4649 1834 2383 2262 2940
60 2703 3514 4540 5900 3098 4027 3903 5074 2096 2726 2528 3285
61 3014 3918 4910 6384 3491 4540 4259 5536 2395 3114 2817 3662
62 3370 4381 5325 6922 3935 5115 4643 6036 2728 3547 3134 4074
63 3771 4904 5789 7527 4432 5761 5059 6578 3102 4033 3483 4528
64 3964 5153 6084 7908 4631 6021 5262 6840 3249 4225 3661 4760
65 2250 2925 3407 4431 2440 3173 2744 3568 1669 2170 1880 2445
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
10 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide10
Rates tables
IP cover with a 5 year Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 241 312 581 753 312 408 534 695 100 129 407 528
17 241 312 581 753 312 408 534 695 100 129 407 528
18 241 312 581 753 312 408 534 695 100 129 407 528
19 241 312 581 753 312 408 534 695 100 129 407 528
20 241 312 581 753 210 272 461 598 100 129 407 528
21 241 312 581 753 210 272 461 598 100 129 407 528
22 254 330 582 756 211 274 466 606 098 128 389 505
23 283 368 634 825 225 294 513 667 102 133 396 514
24 312 407 688 894 239 310 558 726 105 137 407 528
25 340 443 743 966 252 330 606 787 110 142 417 541
26 369 480 792 1030 267 346 649 843 114 149 428 557
27 403 525 854 1111 283 368 703 914 120 155 443 577
28 433 562 900 1171 298 387 732 953 124 162 443 575
29 458 595 958 1247 308 401 769 999 128 166 456 593
30 480 623 944 1227 319 415 788 1026 134 174 436 565
31 480 623 904 1176 319 415 781 1017 134 174 440 570
32 512 666 892 1160 338 440 793 1033 141 185 423 550
33 521 676 861 1119 342 445 792 1031 146 191 420 546
34 532 692 876 1140 351 454 817 1063 146 190 416 541
35 573 746 933 1213 379 492 862 1123 163 211 432 559
36 586 761 989 1286 389 506 890 1157 166 214 436 567
37 614 799 1070 1390 411 534 934 1215 182 237 449 585
38 658 854 1148 1494 444 577 985 1280 193 250 468 607
39 663 862 1297 1688 454 590 1090 1415 206 267 510 662
40 712 928 1435 1867 497 647 1188 1544 222 288 536 696
41 746 970 1559 2025 526 684 1276 1658 243 316 578 751
42 769 1002 1692 2198 555 723 1385 1801 259 336 631 820
43 829 1078 1769 2300 615 800 1451 1887 284 369 658 854
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 11
Rates Tables
Insurance cost and occupation classification guide 11
Age
next
bir
thda
y Annual Rates per $1000 annual benefit 5 Year Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 878 1143 1884 2449 668 869 1559 2027 327 425 720 936
45 932 1212 1902 2473 728 948 1592 2069 364 474 730 949
46 1015 1321 1955 2540 815 1059 1662 2163 417 541 781 1015
47 1100 1431 2054 2670 913 1185 1786 2322 473 614 858 1118
48 1161 1510 2173 2825 989 1286 1931 2512 538 700 948 1232
49 1264 1643 2312 3006 1104 1435 2102 2735 610 793 1059 1375
50 1348 1750 2436 3165 1208 1572 2272 2955 686 893 1175 1527
51 1492 1940 2567 3337 1375 1789 2461 3200 808 1050 1308 1700
52 1644 2138 2723 3540 1557 2024 2674 3478 933 1213 1454 1890
53 1829 2377 2881 3746 1773 2304 2900 3770 1092 1422 1623 2110
54 2015 2618 3031 3940 1996 2595 3124 4061 1257 1635 1805 2346
55 2246 2920 3289 4275 2272 2954 3382 4396 1475 1919 2011 2613
56 2424 3151 3587 4662 2498 3248 3605 4688 1648 2142 2205 2866
57 2684 3490 4149 5391 2817 3662 3956 5143 1906 2478 2464 3203
58 2969 3859 4805 6247 3165 4117 4359 5666 2175 2828 2789 3627
59 3321 4319 5510 7164 3592 4670 4793 6230 2514 3269 3144 4089
60 3737 4857 6726 8743 4093 5320 5576 7249 2892 3758 3749 4874
61 3900 5070 6619 8605 4271 5553 5488 7135 2742 3564 3789 4924
62 4082 5308 6456 8395 4470 5811 5353 6957 2796 3636 3658 4755
63 4282 5568 6223 8090 4688 6094 5159 6707 3102 4033 3483 4528
64 4501 5851 6540 8502 4930 6409 5421 7047 3249 4225 3661 4760
65 2554 3320 3662 4763 2796 3635 3037 3947 1669 2170 1880 2445
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
12 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Rates Tables
Insurance cost and occupation classification guide12
Rates tables
IP cover with To Age 65 Benefit Period
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
16 548 712 942 1225 450 586 884 1148 287 373 933 1215
17 548 712 942 1225 450 586 884 1148 287 373 933 1215
18 548 712 942 1225 450 586 884 1148 287 373 933 1215
19 548 712 942 1225 450 586 884 1148 287 373 933 1215
20 548 712 942 1225 450 586 884 1148 287 373 933 1215
21 548 712 942 1225 450 586 884 1148 287 373 933 1215
22 625 812 1049 1362 493 641 991 1288 306 397 987 1284
23 707 920 1160 1507 536 696 1104 1434 326 423 1019 1324
24 723 940 1277 1661 581 755 1219 1584 328 427 997 1294
25 787 1023 1398 1818 626 815 1344 1748 327 424 971 1262
26 731 950 1526 1983 676 881 1471 1912 328 427 942 1225
27 746 969 1657 2154 727 945 1601 2082 327 424 909 1180
28 710 924 1793 2332 777 1010 1720 2235 342 445 864 1123
29 700 912 1928 2508 819 1064 1817 2363 355 461 809 1052
30 740 961 2068 2688 858 1116 1900 2472 367 477 750 974
31 769 999 2008 2611 894 1163 1973 2565 384 500 773 1005
32 785 1022 2032 2642 929 1208 1851 2407 399 520 797 1035
33 801 1041 2045 2659 959 1248 1903 2474 415 538 819 1064
34 824 1070 2052 2667 991 1288 1951 2536 424 551 848 1103
35 874 1138 1386 1802 950 1236 2047 2662 447 582 900 1169
36 920 1196 1449 1883 979 1274 2098 2728 462 602 945 1227
37 963 1252 1526 1983 1011 1314 2157 2804 480 625 991 1289
38 1015 1320 1613 2097 1049 1363 2222 2889 509 662 1050 1366
39 1075 1398 1713 2227 1092 1422 2298 2986 536 698 1111 1445
40 1142 1484 1805 2346 1143 1486 2384 3100 573 744 1176 1528
41 1233 1603 1955 2540 1203 1564 2489 3236 618 804 1286 1672
42 1320 1716 2078 2703 1276 1658 2607 3390 672 874 1371 1783
43 1413 1837 2226 2893 1359 1769 2746 3569 740 961 1471 1912
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
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16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 13
Rates Tables
Insurance cost and occupation classification guide 13
Age
next
bir
thda
y Annual Rates per $1000 annual benefit To Age 65 Benefit PeriodndashAnnual Rates for White Collar
30 day waiting period 60 day waiting period 90 day waiting period
Male Female Male Female Male Female
Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker Non-smoker Smoker Non-
smoker Smoker
44 1507 1960 2389 3107 1462 1900 2902 3774 812 1054 1579 2053
45 1625 2113 2583 3357 1579 2053 3082 4005 900 1169 1700 2210
46 1761 2290 2811 3653 1714 2229 3282 4267 998 1298 1849 2403
47 1928 2508 3075 3999 1870 2432 3502 4551 1115 1449 2023 2630
48 2096 2724 3330 4328 2049 2663 3741 4864 1252 1627 2210 2873
49 2283 2967 3611 4692 2249 2922 3997 5196 1390 1807 2421 3148
50 2490 3237 3915 5088 2472 3213 4271 5553 1531 1992 2663 3462
51 3022 3928 4275 5559 2719 3535 4555 5923 1670 2171 2925 3802
52 3244 4217 4660 6058 2987 3883 4849 6303 1918 2493 3185 4141
53 3484 4530 5022 6529 3277 4260 5142 6684 2090 2718 3474 4517
54 3738 4860 5393 7011 3585 4662 5431 7062 2270 2951 3748 4872
55 4004 5205 5729 7447 3911 5084 5708 7421 2424 3151 4004 5205
56 4666 6065 6642 8634 4567 5938 6400 8320 3136 4077 4586 5963
57 5056 6574 7456 9693 4932 6411 6633 8622 3849 5002 5119 6656
58 5449 7084 8110 10544 5278 6862 6809 8852 4404 5725 5375 6987
59 5714 7429 8157 10605 5596 7274 6916 8990 4727 6145 5573 7245
60 5928 7708 8260 10739 5851 7607 6928 9007 5001 6501 5694 7402
61 6065 7886 8113 10546 6017 7822 6819 8865 5188 6744 5710 7423
62 6084 7908 7819 10165 6045 7859 6557 8524 5248 6821 5579 7252
63 5810 7553 7201 9361 5771 7503 6003 7805 5045 6558 5191 6748
64 5111 6645 5926 7704 4804 6246 4868 6330 4201 5460 4243 5516
65 2691 3499 3118 4052 2403 3124 2435 3165 2062 2680 2108 2739
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
14 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification Guide
Below are the definitions of each of the occupational classifications which can affect the cost of your insurance
bull Professional (Class 1) Occupations that involve no manual duties (eg lawyer accountant) Usually those with a tertiary qualification or registration by a professional body (they must be using these qualifications in their occupation) Includes well-established senior executives (those with 10 or more years in that role) with incomes in excess of $150000 pa without tertiary qualifications
bull White Collar (Class 2) Occupations that involve no manual work (eg administrator book-keeper computer operator) clerical administration and managerial occupations involving office and travel duties Includes occupations with tertiary qualifications that involve very light physical work (eg osteopath physiotherapist)
bull Light Blue Collar (Class 3) Occupations that involve light manual work such as certain qualified tradespeople (eg electrician) business owners in non-hazardous industries involved in light manual work (eg coffee shop owner) and those who may supervise medium blue collar workers (no more than 25 of their work time) Includes occupations that are not limited to office where travel is an essential part of the job (eg field surveyor)
bull Medium Blue Collar (Class 4) Occupations that involve manual work such as qualified skilled tradespeople in non-hazardous industries wholly involved in manual duties (eg carpenter plumber plasterer mechanic) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Heavy Blue Collar (Class 5) Occupations that involve heavy manual work such as heavy manual workers in non-hazardous industry performing higher risk occupations (eg interstate bus driver warehouse worker labourer bricklayer house removalist) For those that fall under this occupation classification income protection is limited to 2 year or 5 year benefit periods only
bull Hazardous applicable for TPD only (Class H) Occupations that includes unskilled workers those involved in hazardous or very heavy manual work andor presenting particular underwriting difficulties (eg professional divers interstate truck drivers linesmen working over 10 metres) These occupations will have their TPD premium loaded the same as a Class 5 and have their TPD definition restricted to the following
TPD means in the insurerrsquos opinion the Insured Person
ndash Solely because of Illness or Injury is suffering the permanent loss of
1 the use of two limbs 2 the sight in both eyes or 3 the use of one limb and the sight in one eye Where limb is defined as the whole hand or the whole foot
Or
ndash solely because of Illness or Injury at the Date of Disablement is unlikely ever to be able to perform at least two of the following five lsquoactivities of daily livingrsquo without the physical assistance of another person and despite the use of appropriate assistive aids and has provided proof of this to the insurerrsquos satisfaction
The five lsquoactivities of daily livingrsquo are
1 Bathing ndash to shower or bathe 2 Dressing ndash to dress or undress 3 Toileting ndash to use a toilet 4 Feeding ndash to eat and drink or 5 Mobility ndash to get in and out of bed or chair or move from place to place without using a wheelchair
The insurer has the discretion to reduce the benefit period extend the waiting period or reduce the benefit for certain occupations When considering the occupational classification the Insurerrsquos underwriters will consider criteria such as
bull the specific job duties
bull the environment that relevant work is carried out in
bull the length of time in the relevant occupation
bull your qualifications and
bull income levels
Occupation Classification Guide
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
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22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 15
Occupation Classification
Insurance cost and occupation classification guide 15
Occupational Classification
The following table is a list of occupations and the corresponding occupational classification
Please note that
bull lsquoHrsquo means lsquoHazardousrsquo and
bull lsquoDrsquo means lsquoDecline Coverrsquo ie cover is not available either on the basis of excessive risk or the type of cover is not available
Occupations Death TPD IP
Abalone Diver 5 H D
Abattoir Worker 5 5 5
Account Executive 2 2 2
Accountant 1 1 1
Accountant ndash Unqualified 2 2 2
Accounts Clerk 2 2 2
Acrobat 5 H D
Actor 3 H D
Actuary 1 1 1
Acupuncturist ndash Medically Qualified 1 1 1
Acupuncturist ndash Other 2 2 2
Advertising ndash Clerical Staff 2 2 2
Advertising ndash Executive 1 1 1
Aerial Antenna Erector ndash Over 10m 5 5 5
Aerial Antenna Erector ndash Under 10m 4 4 4
Aerial Photographer 5 H D
Aerialist 5 H D
Aerobics Instructor 4 H D
Agents ndash Advertising 2 2 2
Agents ndash Customs Clerical Only 2 2 2
Agents ndash Customs Other 3 3 3
Agents ndash Employment 2 2 2
Agents ndash Insurance Under 3 Years 2 2 2
Agents ndash Insurance Min 3 Years 1 1 1
Agents ndash Machinery Heavy 4 4 4
Agents ndash Machinery Light 3 3 3
Agents ndash Real Estate Qualified 2 2 2
Agents ndash Repossession 4 4 4
Agents ndash StockStation 3 3 3
Agents ndash Tab 2 2 2
Agricultural Industry ndash Farm Contractor 5 H D
Agricultural Industry ndash Farm Worker 5 5 5
Agricultural Industry ndash FarmerGrazier 4 4 4
Agricultural Industry ndash Market Gardener 4 4 4
Agricultural Industry ndash Orchardist 5 5 5
Agricultural Industry ndash Stockman 5 5 5
Agronomist 3 3 3
Occupations Death TPD IP
Air Conditioning ndash Engineer 3 3 3
Air Conditioning ndash Installer 4 4 4
Air Conditioning ndash Technician 4 4 4
Air Traffic Controller 3 H D
Aircraft Industry ndash Mechanic 4 4 4
Aircraft Industry ndash Others 5 H D
Aircraft Industry ndash Supervisor 4 4 4
Airforce ndash Flight Crew 5 H D
Airforce Staff 5 H D
Airline ndash Flight Attendants ndash (Regular Comm Flights)
4 H D
Airline ndash Pilots ndash (Regular Comm Flights) 5 H D
Airport ndash Cleaner 5 5 5
Airport ndash Maintenance Worker 5 5 5
Airport ndash Office Workers 2 2 2
Airport ndash Refuellers 5 H D
Airport ndash Truck Drivers 5 5 5
Ambulance Service ndash Admin 2 2 2
Ambulance Service ndash OfficerDriver 4 4 4
Amusement Parlour Centre ndash Employee 5 5 5
Amusement Parlour Centre ndash Proprietor 4 4 4
Anaesthetic Technician 3 3 3
Anaesthetist 1 1 1
AnalystProgrammer ndash Not Qualified 2 2 2
AnalystProgrammer ndash Qualified 1 1 1
Animal Trainer 5 H D
Annealer 4 4 4
Antenna Erector ndash Over 10m 5 H D
Antenna Erector ndash Under 10m 4 4 4
Antique Dealer ndash Deliveries 5 5 5
Antique Dealer ndash Restoration 4 4 4
Antique Dealer ndash Sales 3 3 3
Apiarist 3 3 3
Appliance Electrician 3 3 3
Archaeologist 1 1 1
Architects ndash Qualified Office Only 1 1 1
Architectural Draftsman 2 2 2
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
16 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide16
Occupational Classification Table
Occupations Death TPD IP
Armed Forces ndash Army All Ranks No Special Hazards
5 H D
Armed Forces ndash Bomb Disposal 5 H D
Armed Forces ndash Diver 5 H D
Armed Forces ndash Navy Seagoing 5 H D
Armed Forces ndash Navy Shore Duties Only 5 H D
Armed Forces ndash Office Duties Only 5 H D
Armed Forces ndash RAAF Office Duties 5 H D
Armed Forces ndash RAAF Regular Flying 5 H D
Armed Forces ndash SASCommando 5 H D
Armed Forces ndash Submariner 5 H D
Armed Forces ndash Volunteer Reserve 5 H D
Armed Security Guard 5 H D
Armoured Car Driver 5 H D
Art Dealer (Shop or Gallery) 2 2 2
Articled Clerk (legal) 2 2 2
Artists ndash Commercial Employee 2 2 2
Artists ndash Commercial Freelance 5 H D
Artists ndash Other 5 H D
Asbestos Industry Workers 5 H D
Asphalt Layer 5 5 5
Assembly Line Worker 5 5 5
Astrologer 5 H D
Astronomer 1 1 1
Auctioneers 2 2 2
Audiometrist 2 2 2
Auditor (Qualified) 1 1 1
Authors 5 H D
Auto Electrician 3 3 3
Aviation Industry ndash Commercial Pilot 5 H D
Aviation Industry ndash Crew of Regular Public Transport
4 H D
Aviation Industry ndash Flying Instructor 5 H D
Aviation Industry ndash Mechanic 4 4 4
Aviation Industry ndash Non Flying Air Traffic Controller
3 H D
Aviation Industry ndash Non Flying Clerical 3 3 3
Aviation Industry ndash Other Manual 5 H D
Aviation Industry ndash Supervisor No Manual 3 3 3
Awning Installer To 10m 4 4 4
Awning Installer above 10m 5 H D
Backhoe Operator ndash Owner Operator 5 5 5
Bacteriologist 1 1 1
Baggage Handler 5 5 5
Occupations Death TPD IP
Bailiff 2 2 2
Bakery ndash Baker 3 3 3
Bakery ndash Delivery 4 4 4
Bakery ndash Supervisor 3 3 3
Banana Grower 4 4 4
Banking ndash Building Society Credit Union ndash Clerks and Tellers
2 2 2
Banking ndash Building Society Credit Union Manager
1 1 1
Banking ndash Guards Armoured Car Driver 5 H D
Bar Staff 4 H D
Barber 3 3 3
Bargeman 4 H D
Barrister 1 1 1
Battery Fitter 5 5 5
Battery Manufacture ndash Others 5 5 5
Battery Manufacture ndash Supervisor 4 4 4
Beach Patrol ndash Lifeguard Club 5 H D
Beach Patrol ndash Lifeguard Professional 4 H D
Beautician ndash Not Working from Home 3 3 3
Beautician ndash Working from Home 3 3 D
Beekeeper 3 3 3
Bicycle Courier 5 H D
Bicycle Manufacturer ndash Others 5 5 5
Bicycle Storekeeper ndash Repairs 4 4 4
Bicycle Storekeeper ndash Sales 3 3 3
Bill Poster 3 H D
Biochemist 1 1 1
Biologist (Not Marine and field work) 2 2 2
Biologist (Not Marine and no field work) 1 1 1
Blacksmith 4 4 4
Blasters ndash Surface 5 5 5
Blasters ndash Underground 5 H D
Blind ndash Awning Screen Installer to 10m 4 4 4
Blind ndash Awning Screen Installer above 10m 5 H D
Blind ndash Awning Screen Manufacturer 4 4 4
Blind ndash Awning Screen SupervisingQuoting No Manual
3 3 3
Boarding House Owner 4 H D
Boat Builder 3 3 3
Boating Equipment Supply ndash Chandler 3 3 3
Boating Equipment Supply ndash Others (other than SalesAdmin)
5 5 5
Bobcat Owner Operator 5 5 5
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
perforation
18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
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perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 17
Occupation Classification
Insurance cost and occupation classification guide 17
Occupations Death TPD IP
Boilermaker 4 4 4
Bomb Disposal 5 H D
Bookbinder 3 3 3
Bookkeeper 2 2 2
Bookmakers 5 H D
Bootmaker 4 4 4
Botanist 1 1 1
Bouncer 5 H D
Boxer 5 H D
Bread Vendor 4 4 4
Brewing Industry ndash Chemist 1 1 1
Brewing Industry ndash Supervisor 4 4 4
Brewing Industry ndash Worker 5 5 5
Brick Manufacturer ndash Others 5 5 5
Brick Manufacturer ndash Supervisor 5 5 5
Brick Paver 5 5 5
Bricklayer 5 5 5
Brickworks ndash Employee 5 5 5
Brickworks ndash Employer 3 3 3
Brickworks ndash Labourers H 5 D
Brickworks ndash Supervisor (No Manual) 3 3 3
Broker ndash Finance under 3 years 2 2 2
Broker ndash Finance Min 3 years 1 1 1
Broker ndash Insurance under 3 years 2 2 2
Broker ndash Insurance Min 3 years 1 1 1
Broker ndash Stock 1 1 1
Brothel OwnerOperator 5 H D
Builder ndash Licenced 3 3 3
Builder ndash Supervisor (No Manual) 3 3 3
Builders Labourer 5 5 5
Builders Supply Merchant ndash Yard 5 5 5
Builders Supply Merchant ndash Light 3 3 3
Builders Supply Merchant ndash Shop 3 3 3
Building Industry ndash Bobcat Owner Operator
5 5 5
Building Industry ndash Bricklayer 5 5 5
Building Industry ndash Bridge Builders 5 5 5
Building Industry ndash Building Labourer 5 5 5
Building Industry ndash Carpenter 3 3 3
Building Industry ndash Crane Operator 5 5 5
Building Industry ndash Electrician 3 3 3
Building Industry ndash Foreman 3 3 3
Building Industry ndash Glazier 4 4 4
Occupations Death TPD IP
Building Industry ndash Joiner 3 3 3
Building Industry ndash Painter to 10m 4 4 4
Building Industry ndash Painter above 10m 5 H D
Building Industry ndash Plasterer 4 4 4
Building Industry ndash Plumber 3 3 3
Building Industry ndash Renderer 4 4 4
Building Industry ndash Roof Plumber 5 5 5
Building Industry ndash Roof Tiler 5 5 5
Building Industry ndash Tiler (Wall amp Floor) Qualified
4 4 4
Building Supply ndash Sales 3 3 3
Building Supply ndash Yard Worker 5 5 5
Bulldozer Owner Operator 5 5 5
Bus Driver ndash Local 4 4 4
Bus Driver ndash Long Distance 4 H D
Business Analyst ndash Not Qualified 2 2 2
Business Analyst ndash Qualified 1 1 1
Business Consultants ndash Other than Qualified
2 2 2
Business Consultants ndash Qualified 1 1 1
Butcher ndash Retail 3 3 3
Butcher ndash Slaughtering 5 5 5
Butler 3 3 3
Buyer Retail Store ndash Office Only 2 2 2
Buyer Retail Store ndash Others 3 3 3
Cabinetmaker 3 3 3
Cablemaker 4 4 4
Cafeacute ndash Coffee Lounge Employees 5 5 5
Cafeacute ndash Coffee Lounge Proprietor with Staff
3 3 3
Cake Decorator 3 3 3
Camera Person ndash Aerial 5 H D
Camera Person ndash On Location (Australia Only)
4 4 4
Camera Person ndash Studio 2 2 2
Cane Farmer 4 4 4
Cane Harvester 5 H D
Car And Truck Salesperson ndash New 3 3 3
Car And Truck Salesperson ndash Used 4 4 4
Car Assembly ndash Car Detailer 4 4 4
Car Assembly ndash Supervisor 3 3 3
Car Assembly ndash Workers 5 5 5
Car Detailer 5 H D
Car Washer 5 H D
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18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
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20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
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INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
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30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
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INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
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18 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide18
Occupations Death TPD IP
Car Wrecker 5 H D
Caravan Park ndash OperatorEmployee 5 5 5
Caravan Park ndash Proprietor 4 4 4
Caravan Salesperson 3 3 3
Cardiologist 1 1 1
Caretakers (not residing on premises) 5 5 5
Carpenter 3 3 3
Carpet ndash Cleaner 5 5 5
Carpet ndash Layer 5 5 5
Cartage Contractor ndash Long Distance 5 H D
Cartage Contractor ndash Short Distance 5 5 5
Cartographer 2 2 2
Cashier ndash Financial Institution 2 2 2
Cashier ndash Shop Supermarket 3 3 3
Casino (Govt Licensed) ndash Cashier 2 2 2
Casino (Govt Licensed) ndash Croupier 3 3 3
Casino (Govt Licensed) ndash Waiter Barstaff 4 H D
Caterer 4 4 4
Cattery Operator 5 5 5
Cellarman 5 5 5
Cement Manufacturing Industry ndash Others 5 5 5
Cement Manufacturing Industry ndash Supervisor
4 4 4
Cemetery ndash Crematorium Worker 5 5 5
Chandler ndash Boating Equipment Admin 2 2 2
Chandler ndash Boating Equipment Sales Only 3 3 3
Chauffeur 4 4 4
Chef ndash Not Qualified 5 5 5
Chef ndash Qualified 3 3 3
Chemical Industry ndash ChemistPharmacist 1 1 1
Chemists Pharmacists (Retail) 1 1 1
Child Care Worker ndash Not Registered 5 5 5
Child Care Worker ndash Registered Not Working At Home
3 3 3
Child Care Worker ndash Working From Home 5 H D
Chimney Sweep 5 5 5
Chiropodist (Registered) 1 1 1
Chiropractor ndash Member of Australian Chiropractic Association
1 1 1
Circus Workers 5 H D
Civil Engineer ndash Uni Qualified Admin Only 1 1 1
Claims ndash Loss Adjuster (Not Private Investigator)
2 2 2
Cleaner ndash Brick 5 H D
Occupations Death TPD IP
Cleaner ndash Carpet 5 5 5
Cleaner ndash Factory School Store 5 5 5
Cleaner ndash Household Office 5 5 5
Cleaner ndash Window above 10m 5 H D
Cleaner ndash Window up to 10m 5 5 5
Clergy 4 4 4
Clerks ndash Admin Only 2 2 2
Clothing Industry ndash Fashion Designer Employed
3 3 3
Clothing Industry ndash Fashion Designer Freelance
5 H D
Clothing Industry ndash Model 3 H D
Clothing Industry ndash Pattern Maker 4 4 4
Clothing Industry ndash Process Worker Machinist
5 5 5
Clothing Industry ndash Sales Person 3 3 3
Clothing Industry ndash Tailordressmaker Not at Home
4 4 4
Club Worker ndash Bar Person (permanent FT)
5 H D
Club Worker ndash Bouncer Security Staff 5 H D
Club Worker ndash Entertainer 5 H D
Club Worker ndash Fitness Centre Management
5 5 5
Club Worker ndash Manager Admin Only 2 2 2
Club Worker ndash Manager with Bar Work 5 5 5
Club Worker ndash NightDisco 5 H D
Club Worker ndash Others 5 H D
Coach ndash Selected Sports Non Professional Events
5 H D
Coach Driver ndash Local 4 4 4
Coach Driver ndash Long distance 5 H D
Coffee Shop ndash Employees 5 5 D
Coffee Shop ndash Proprietor with Staff 3 3 3
Commercial Artist ndash Employee 2 2 2
Commercial Artist ndash Self Employed 5 H D
Commercial Traveller 4 4 4
Commodity Broker ndash Minimum 3 years 1 1 1
Company Secretary ndash Degree Qualified 1 1 1
Composer 5 H D
Compositor 3 3 3
Computer Industry ndash Consultant Programmer Analyst (Not Qualified)
2 2 2
Computer Industry ndash Consultant Programmer Analyst (Qualified)
1 1 1
Computer Industry ndash Keyboard Operator 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
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20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 19
Occupation Classification
Insurance cost and occupation classification guide 19
Occupations Death TPD IP
Computer Industry ndash Maintenance Engineer
3 3 3
Computer Industry ndash Sales 3 3 3
Computer Industry ndash Systems Operator 2 2 2
Computer Industry ndash Technician 3 3 3
Concrete Contractor ndash Labourer 5 H D
Concreter 5 H D
Cook Chef ndash Other than Qualified 5 5 5
Cook Chef ndash Qualified 3 3 3
Coroner 1 1 1
Courier Driver ndash Bicycle 5 H D
Courier Driver ndash Cars and Small Vans 4 4 4
Courier Driver ndash Motor Cycle 5 H D
Courier Driver ndash Others 5 H D
Courier Driver ndash Trucks LocalMetro 5 5 5
Crane Driver 5 5 5
Croupier 5 5 5
Curator Art Gallery Library Museum 2 2 2
Curator Groundsmen 4 4 4
Curtain Installer ndash To 10m 4 4 4
Customs ndash Agent (Clerical) 2 2 2
Customs ndash Officer 4 4 4
Dairy Industry ndash Delivery 4 4 4
Dairy Industry ndash Farm Proprietor 4 4 4
Dairy Industry ndash Farm Proprietor with FT Employee
3 3 3
Dairy Industry ndash Process Workers Employee
5 5 5
Dairy Industry ndash Supervisor 4 4 4
Dance Instructor ndash Est at Least 2 Years 4 H D
Dancer 4 H D
Data Entry Operator 2 2 2
Debt Collector 5 H D
Decorator ndash (Interior Only) Not Qualified 4 4 4
Decorator ndash (Interior Only) Qualified 3 3 3
Decorator ndash Design and Consulting Only 2 2 2
Decorator ndash Exterior Heights over 10m 5 H D
Decorator ndash Exterior Heights up to 10m 4 4 4
Deep Sea Fisherman 5 H D
Delicatessen ndash ManagerProprietor with Staff
3 3 3
Delicatessen ndash Other Employees 5 5 5
Demolition ndash Supervisor 5 H D
Demolition Workers 5 H D
Occupations Death TPD IP
Dental ndash Nurse Receptionist Hygienist 2 2 2
Dental ndash Surgeon 1 1 1
Dental ndash Technician 2 2 2
Dentist 1 1 1
Department Store ndash Clerical Only 2 2 2
Department Store ndash Deliveries and Heavier Manual
5 5 5
Department Store ndash Management 2 2 2
Department Store ndash Sales No Lifting 3 3 3
Department Store ndash Storeperson 5 5 5
Dermatologist 1 1 1
Designer Clothing ndash Employed 3 3 3
Designer Clothing ndash Freelance 5 H D
Detectives Private 5 H D
Diamond Cutter and Polisher 3 3 3
Diemaker 4 4 4
Diesel Mechanic 4 4 4
Dietitian 2 2 2
Disc Jockey 3 H D
Diver Professional 5 H D
Dockworker 5 5 5
Doctors (Medical) 1 1 1
Dog Breeder 5 H D
Dog GroomerWasher 5 H D
Dog Kennel Operator 5 5 5
Dogman 5 H D
Domestic Servants ndash Gardeners (FT Only) 5 5 5
Domestic Servants ndash Maids 5 5 5
Draftsman 2 2 2
Drainage Contractor Domestic 4 H D
Draper 3 3 3
Draughtsman 2 2 2
Dredger 5 H D
Dressmaker ndash Tailor Other 4 H D
Dressmaker ndash Tailor Qualified Not Working at Home
4 4 4
Driller ndash Local Workers Only 5 H D
Driller ndash OthersOffshore 5 H D
Driller ndash Using Explosives 5 H D
Driver ndash Ambulance 4 4 4
Driver ndash Armoured Car 5 H D
Driver ndash Bulldozer Owner Operator 5 5 5
Driver ndash Bus Local 4 4 4
Driver ndash Bus Long Distance 4 H D
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
20 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide20
Occupations Death TPD IP
Driver ndash Cement Truck 5 5 5
Driver ndash Chauffeur 4 4 4
Driver ndash Courier Motorcycle or Bicycle 5 H D
Driver ndash Courier Cars Small Vans 4 4 4
Driver ndash Courier Trucks ndash LocalMetro 5 5 5
Driver ndash Crane 5 5 5
Driver ndash Dairy Deliveryman Milkman 4 4 4
Driver ndash Driving Instructor (Est 2 years) 4 4 4
Driver ndash Earthmoving amp Construction Owner Operator
5 H D
Driver ndash ExplosivesDangerous Good 5 H D
Driver ndash Forklift (Not on Docks) 5 5 5
Driver ndash Garbage Collector 5 5 5
Driver ndash Hire Car OwnerDriver 4 4 4
Driver ndash Ice Cream Truck 5 5 5
Driver ndash Instructor ndash Est Min 2 years 4 4 4
Driver ndash Interstate Truck or Van 5 H D
Driver ndash Petrol Tanker ndash Local 5 5 5
Driver ndash Removalist 5 5 5
Driver ndash Taxi (Owner Driver Only) 4 4 4
Driver ndash Tow Truck 5 5 5
Driver ndash Truck or Van Local 5 5 5
Driving Instructor ndash Est Min 2 years 4 4 4
Drover 5 5 5
Dry Cleaning Industry ndash ManagerOwnerSupervisor
4 4 4
Dry Cleaning Industry ndash Other 5 5 5
Dyer 5 5 5
Earth Moving Contractor ndash Owner Operator 5 H D
Economist 1 1 1
Editor ndash Film 3 H D
Editor ndash Newspaper Magazines 2 2 2
Education Inspector 2 2 2
Electric Gate Garage Door Installer 4 4 4
Electrical Industry ndash Electrician Domestic 3 3 3
Electrical Industry ndash Electrician Industrial 4 4 4
Electrical Industry ndash Linesman over 10m 5 H D
Electrical Industry ndash Linesman to 10m 4 4 4
Electrical Industry ndash Meter Reader 5 5 5
Electrician ndash Domestic 3 3 3
Electrician ndash Industrial (High Voltage) 5 H D
Electronics Technician 3 3 3
Electroplater 4 4 4
Elevator Mechanic Installer 5 5 5
Occupations Death TPD IP
Embalmer 4 4 4
Employment Agent 2 2 2
Endocrinologist 1 1 1
Engineer ndash Manual 3 3 3
Engineer ndash Mining ndash Underground 5 H H
Engineer ndash Supervisor 2 2 2
Engineer ndash Tech Qualified (Admin only) 2 2 2
Engineer ndash Uni Qualified (Admin only) 1 1 1
Engraver 3 3 3
ENT Surgeon 1 1 1
Entertainer ndash Actor 3 H D
Entertainer ndash ChoreographerDancer 4 H D
Entertainment Agent 3 H D
Exotic Dancer 5 H D
Explosives Industry ndash Face Worker 5 H D
Explosives Industry ndash Workers above Ground
5 H D
Explosives Industry ndash Workers below Ground
5 H D
ExporterImporter Clerical Only 2 2 2
Exterminators And Fumigators 5 5 5
Factory Worker 5 5 5
Faith Healer 5 H D
Farm Manager 5 5 5
Farm Worker And Stockman 5 5 5
Farmer ndash Banana 4 4 4
Farmer ndash Cane 4 4 4
Farmer ndash Grape grower 5 5 5
Farmer ndash Grazier Owner with lt 5 years FT Empl
5 5 5
Farmer ndash Grazier Owner with gt 5 years FT Empl
4 4 4
Farmer ndash Labourer 5 5 5
Farmer ndash Market Gardener 5 5 5
Farmer ndash Orchardist 5 5 5
Farmer ndash Owner Grazier Smallholding 5 5 5
Farmer ndash Oyster (offshore) 5 H D
Farmer ndash Oyster (riverslakes) 5 5 5
Farmer ndash Poultry 5 5 5
Farrier 4 4 4
Fashion Designer ndash Clothing Employed 3 3 3
Fashion Designer ndash Clothing Freelance 5 H D
Fast Food Takeaway ndash Employees 4 H D
Fast Food Takeaway ndash Proprietor with Staff 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 21
Occupation Classification
Insurance cost and occupation classification guide 21
Occupations Death TPD IP
Fencing Contractor ndash Domestic 5 5 5
Ferry Master (Harbour only)Harbour Pilot 5 5 5
Fibreglass ndash Moulder 4 4 4
Fibreglass ndash Others 5 H D
Fibreglass ndash Supervisor 4 4 4
Film Industry ndash ActorActress 3 H D
Film Industry ndash Administrative Staff 2 2 2
Film Industry ndash Announcers 3 H D
Film Industry ndash Directors Producers 3 H D
Film Industry ndash Distributors 2 2 2
Film Industry ndash Editors 3 H D
Film Industry ndash Makeup Artist 3 3 3
Film Industry ndash Projectionists 3 3 3
Film Industry ndash Script Writer 3 H D
Film Industry ndash Stage Manager (No Manual)
3 3 3
Film Industry ndash Stuntmen 5 H D
Film Industry ndash Technicians Sound Recorders Engineers
3 3 3
Film Industry ndash Wardrobe 3 3 3
Financial Adviser ndash Analyst Consultant (Other than Qualified)
2 2 2
Financial Adviser ndash Analyst Consultant (Tertiary Qualified)
1 1 1
Firechief 4 H D
Firefighters 5 H D
Fireman 5 H D
Fireman ndash Forestry 5 H D
Fishermen 5 H D
Fitness Centre ndash Instructor 4 H D
Fitness Centre ndash Owner Operator 4 4 4
Fitter And Turner 4 4 4
Flight Attendant 4 H D
Floor Coverer ndash Layer 5 5 5
Floor SanderSurfacer 5 5 5
Floor Tiler ndash Other than Qualified 5 H D
Floor Tiler ndash Qualified 4 4 4
Florist ndash Deliveries 4 4 4
Florist ndash Sales Only 3 3 3
Food Technologist 2 2 2
Foreman ndash Building Industry 3 3 3
Forest ndash Ranger 5 H D
Forest ndash Warden 5 H D
Forest ndash Workers 5 H D
Occupations Death TPD IP
Forestry Fireman 5 H D
Fork Lift Driver 5 5 5
Foundry Worker 5 5 5
French Polisher 3 3 3
Fruit Grower ndash Orchardist 5 5 5
Fruit Packer ndash Picker 5 H D
Fruit Wholesaler 4 4 4
Fruiterer 4 4 4
Fumigator 5 5 5
Funeral Parlour ndash Director Undertaker 2 2 2
Funeral Parlour ndash Driver Pallbearer 4 4 4
Funeral Parlour ndash Embalmer 4 4 4
Funeral Parlour ndash Other 5 H D
Furniture ndash Removalist 5 5 5
Furniture ndash Restorer 4 4 4
Furniture ndash Retailer Deliveries 5 5 5
Furniture ndash Retailer Sales Only 3 3 3
Furrier 3 3 3
Garage Door Installer 4 4 4
Garage ndash Service Station Cashier Consol Operator
3 3 3
Garage ndash Service Station Driveway Petrol Attendant
4 4 4
Garage ndash Service Station Mechanic Qualified
4 4 4
Garage ndash Service Station Proprietor Manager
3 3 3
Garbage Collector 5 5 5
Gardener Domestic Landscape 5 5 5
Gas Fitter 4 4 4
Gas Meter Reader 5 5 5
Gas Pipe Layer 5 H D
Gastroenterologist 1 1 1
Gasworker 5 5 5
Gem Cutter Setter 3 3 3
General Physician 1 1 1
General Surgeon 1 1 1
Geologist ndash FT ExplorationOn Site (No Explosives or UGround)
3 3 3
Geologist ndash Occasional Field 2 2 2
Geologist ndash Office Only 1 1 1
Glass Blower 5 5 5
Glass Industry ndash Glass BlowerFurnaceman
5 H D
Glass Industry ndash Glazier 4 4 4
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22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
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30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
22 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide22
Occupations Death TPD IP
Glass Industry ndash Others 5 H D
Glass Industry ndash Supervisory 3 3 3
Glazier 4 4 4
Goldsmith Silversmith 4 4 4
Golf Professional ndash ShopTuition Only 3 H D
Golf Professional ndash Touring 5 H D
Government Employee 5 H D
Graphic Artist Designer 2 2 2
Grazier ndash Owner Smallholding 5 5 5
Grazier ndash OwnerLarger Properties FT Employees
4 4 4
Greengrocer 4 4 4
Greenkeeper ndash Groundsman 4 4 4
Greyhound Trainer 5 H D
Grocer 4 4 4
Guard ndash Armed 5 H D
Guard ndash Unarmed (No Unusual Hazards) 5 5 5
Guest House Proprietor 4 H D
Gunsmith 5 5 5
Gymnasium ndash Instructor FT 4 H D
Gymnasium ndash Owner Operator 4 4 4
Gynaecologist 1 1 1
Gynaecologist and Obstetrician 1 1 1
Gyprock Fixer 4 4 4
Haberdasher 3 3 3
Hairdresser Barber 3 3 3
Handyman 5 H D
Harbour Pilot 5 5 5
Harbourmaster 5 5 5
Harvester 5 H D
Head Waiter 4 4 4
HeadmasterPrincipalHeadteacher 1 1 1
Health Inspector 2 2 2
Herbalist ndash Qualified 2 2 2
Hoist Driver 5 5 5
Home Care Worker 5 H D
Homoeopath Qualified 2 2 2
Horse Racing Industry ndash Bookmakers 5 H D
Horse Racing Industry ndash Breakers 5 H D
Horse Racing Industry ndash Breeder 4 4 4
Horse Racing Industry ndash Jockey Flat Racing 5 H D
Horse Racing Industry ndash Jockey With Jumps
5 D D
Horse Racing Industry ndash Riding Instructor 4 4 4
Occupations Death TPD IP
Horse Racing Industry ndash Strapper 5 H D
Horse Racing Industry ndash Trainer 5 5 5
Horse Racing Industry ndash Trotting Driver 5 H D
Horticulturist 4 4 4
Hospital ndash Doctor 1 1 1
Hospital ndash Nurse Aide Enrolled 4 4 4
Hospital ndash Nurse ndash Psychiatric 4 4 4
Hospital ndash Nurse ndash Registered 3 3 3
Hospital ndash OrderlyWardsman 5 5 5
Hospital ndash Porter 5 5 5
Hospitality Industry ndash Bar Staff 5 H D
Hospitality Industry ndash Bouncer 5 H D
Hospitality Industry ndash Chef (Qualified) 3 3 3
Hospitality Industry ndash Cook 5 5 5
Hospitality Industry ndash Hall Porter 5 H D
Hospitality Industry ndash Head Waiter 4 4 4
Hospitality Industry ndash Hotel Admin 2 2 2
Hospitality Industry ndash Hotel Bar Work 5 H D
Hospitality Industry ndash HousekeeperChambermaid
5 5 5
Hospitality Industry ndash Waiter 5 5 5
Hotel Industry ndash Barstaff 5 H D
Hotel Industry ndash Bottleshop Sales Driveway Attendant
4 4 4
Hotel Industry ndash Bouncer 5 H D
Hotel Industry ndash Chef (Qualified) 3 3 3
Hotel Industry ndash Cook 5 5 5
Hotel Industry ndash Driveway Attendant 4 4 4
Hotel Industry ndash Housekeeper Chambermaid
5 5 5
Hotel Industry ndash Manager Owner Admin Only
2 2 2
Hotel Industry ndash Other 5 H D
Hotel Industry ndash Receptionist Clerical Admin Only
2 2 2
Hotel Industry ndash Waiter Waitress 5 H D
House Painter to 10m 4 4 4
Housekeeper FT 5 5 5
Home Duties 3 3 D
Human Resources Consultant 2 2 2
Hypnotherapist Qualified 2 2 2
ImporterExporter Clerical Only 2 2 2
Indoor Cricket Proprietor 3 3 3
Insecticide Manufacturer ndash Other 5 H D
Insecticide Manufacturer ndash Supervisor 4 4 4
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
perforation
24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 23
Occupation Classification
Insurance cost and occupation classification guide 23
Occupations Death TPD IP
Inspector Education 2 2 2
Instrument Manufacturer 4 4 4
Insulation Installer 5 5 5
Insurance ndash Agent Broker Consultant under 3 years
2 2 2
Insurance ndash Agent Broker Consultant Minimum 3 years
1 1 1
Insurance ndash AssessorLoss Adjuster 3 3 3
Insurance ndash Investigator 5 H D
Insurance ndash OfficeAdmin Only 2 2 2
Insurance ndash Underwriter 2 2 2
Interior Decorator ndash Design amp Consulting Only
2 2 2
Interior Decorator ndash Not Qualified 4 4 4
Interior Decorator ndash Qualified 3 3 3
Interpreter FT 2 2 2
Investigator Insurance Other 5 H D
Investment Advisor Qualified Min 3 years 1 1 1
Investor 3 H D
Iridologist Qualified 2 2 2
Ironing Contractor 5 H D
Jack Hammer Operator 5 5 5
Janitor 5 5 5
Jeweller Retail 2 2 2
Jewellery Industry ndash Cutter Polisher Setter Engraver
3 3 3
Jewellery Industry ndash Retail StoreDealer 2 2 2
Jackeroo 5 H D
Jillaroo 5 H D
Jockey ndash Flat Racing 5 H D
Joiner 3 3 3
Journalist ndash Reporter (Freelance) 5 H D
Journalist ndash Reporter (Salaried) No On Air No Overseas Assignments
2 2 2
Journalist ndash Reporter (Salaried) On Air 2 H D
Journalist ndash Reporter (Salaried) Overseas Assignments
3 H D
Judge 1 1 1
Juice Vendor 4 4 4
Kennel Operator 5 5 5
Keyboard Operator 2 2 2
Kindergarten Teacher 3 3 3
Knitter (in Mill) 5 5 5
Laboratory Technician 3 3 3
Labourer 5 5 5
Occupations Death TPD IP
Land Broker ndash Qualified 2 2 2
Land Broker ndash Unqualified 3 3 3
Landscape Gardener 5 5 5
Lapidary 4 4 4
Lathe Operator Qualified 4 4 4
Laundromat Owner 4 4 4
Laundry Worker 5 5 5
Lawn Mower ndash Retailer Sales Only 3 3 3
Lawn Mower ndash Retailer Service Repairs 5 5 5
Lawn Mowing Contractor 5 H D
Lawyer 1 1 1
Lead Industry 5 5 5
Lecturer Degree Qualified 1 1 1
Librarian 2 2 2
Lifesaver 5 H D
Lift InstallerMechanic 5 5 5
Linesman ndash Over 10m 5 H D
Linesman ndash To 10m 4 4 4
Linoleum Layer 5 5 5
Lithographer Linotype 4 4 4
Livestock Buyer Dealer Auctioneer 2 2 2
Locksmith 4 4 4
Logging Contractor Log Hauler 5 H D
Loss AdjusterInsurance Assessor 3 3 3
Lumber Merchant ndash Office and Sales Only 3 3 3
Lumber Merchant ndash Supervisor (up to 10 manual)
4 4 4
Lumber Yard Worker 5 H D
Machinery Equipment Hire And Service ndash Repair and Maintenance
5 5 5
Machinery Equipment Hire And Service ndash Sales Only
3 3 3
Machinist ndash Clothing 5 5 5
Machinist ndash Metal Wood 5 5 5
Machinist ndash Sailmaking 4 4 4
Machinist ndash Supervisor (No Manual) 3 3 3
Magistrate 1 1 1
Maid FT 5 5 5
Mail Delivery 4 H D
Make Up Artist ndash employee in televisiontheatre Australia only
4 4 4
Management Consultant ndash Other 2 2 2
Management Consultant ndash Qualified 1 1 1
Manager Administration ndash With Degree 1 1 1
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24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
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INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
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24 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide24
Occupations Death TPD IP
Manager Administration ndash Without Degree 2 2 2
Manicurist ndash Not Working at Home 4 4 4
Manufacturer ndash Office Duties Only 2 2 2
Manufacturer ndash Other 5 5 5
Map Maker Cartographer 2 2 2
Marina Owner 4 4 4
Marine Biologist 4 H D
Marine Industry ndash Dockworkers 5 H D
Marine Industry ndash Harbour Pilots 5 5 5
Marine Industry ndash OfficersCrew ndash Bulk Container Ships
5 H D
Marine Industry ndash Salvage Vessel Officers and Crew
5 H D
Marine Industry ndash Shipyard Workers 5 H D
Marine Industry ndash Shore Personnel Admin
2 2 2
Marine Industry ndash Surveyor Engineer 3 H D
Market Gardener 5 5 5
Marketing Sales Manager 2 2 2
Martial Arts Instructor 5 H D
Mason 5 5 5
MasseurMasseuse 3 H D
Maxilla Facial Surgeon 1 1 1
Meat Industry ndash Butcher ndash Retail 3 3 3
Meat Industry ndash Cold Store WorkerProcessor
5 H D
Meat Industry ndash Inspector 3 3 3
Meat Industry ndash Packer 5 H D
Meat Industry ndash Slaughterer 5 H D
Mechanic 4 4 4
Medical ndash Acupuncturist ndash Qualified 1 1 1
Medical ndash Anaesthetist 1 1 1
Medical ndash ChemistPharmacist 1 1 1
Medical ndash Chiropodist ndash Registered 1 1 1
Medical ndash Chiropractor ndash Registered 1 1 1
Medical ndash Dental Surgeon 1 1 1
Medical ndash Dental Technician 2 2 2
Medical ndash Dietitian 2 2 2
Medical ndash Director of NursingMatron 2 2 2
Medical ndash Doctor 1 1 1
Medical ndash Homoeopath Qualified 2 2 2
Medical ndash Hospital Porters 5 5 5
Medical ndash Iridologist ndash Qualified 2 2 2
Medical ndash Lab Technician 3 3 3
Occupations Death TPD IP
Medical ndash Naturopath ndash Registered 2 2 2
Medical ndash Nurse Enrolled or Nurses Aide 4 4 4
Medical ndash Nurse Psychiatric 4 4 4
Medical ndash Nurse Registered 3 3 3
Medical ndash Nurses Aid ndash Enrolled 4 4 4
Medical ndash Ophthalmologist 1 1 1
Medical ndash Optical Technicians 2 2 2
Medical ndash Optometrist 1 1 1
Medical ndash Orthodontist 1 1 1
Medical ndash Osteopaths 2 2 2
Medical ndash Paediatrician 1 1 1
Medical ndash Pathologist 1 1 1
Medical ndash Physiotherapist 1 1 1
Medical ndash Podiatrist ndash Registered 1 1 1
Medical ndash Practitioner 1 1 1
Medical ndash RadiographerRadiotherapist 2 2 2
Medical ndash Radiologist 1 1 1
Medical ndash Reflexologist Qualified 2 2 2
Medical ndash Surgeons 1 1 1
Medical ndash Wardsman Orderly 5 5 5
Merchant Banker ndash Degree Qualified 1 1 1
Merchant Seaman 5 H D
Metal Industry ndash Annealer 4 4 4
Metal Industry ndash ElectroplaterEnameller 4 4 4
Metal Industry ndash Fitter and Turner Qualified 4 4 4
Metal Industry ndash Ironmonger 5 H D
Metal Industry ndash Office duties Only 2 2 2
Metal Industry ndash Other 5 5 5
Metal Industry ndash Scrap Dealer 5 H D
Metal Industry ndash Sheet Metal Worker 4 4 4
Metal Industry ndash Supervisor No Manual 3 3 3
Metallurgist ndash Office Duties Only 2 2 2
Meteorologist 1 1 1
Meter Reader ndash Electricity 5 5 5
Meter Reader ndash Gas 5 5 5
Midwife Registered 3 3 3
Military ndash Diver 5 H D
Military ndash Pilot 5 H D
Milk Bar ndash Employee 5 H D
Milk Bar ndash Proprietor with Staff 3 3 3
Milker 5 H D
Milkman Milk Delivery 4 4 4
Mining ndash Admin and Clerical Only 2 2 2
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
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28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 25
Occupation Classification
Insurance cost and occupation classification guide 25
Occupations Death TPD IP
Mining ndash Asbestos 5 H D
Mining ndash Surface Worker No Explosives 5 5 5
Mining ndash Surface Worker Using Explosives 5 H D
Mining ndash Underground Worker Faceworker
5 H D
Mining ndash Underground Worker Mechanic Electrician
5 H D
Mining ndash Underground Explosives Handler 5 H D
Minister Of Religion 3 3 3
Model 5 H D
Motor Vehicle ndash Assembly Production Line 5 H D
Motor Vehicle ndash Dealer Sales New Vehicles 3 3 3
Motor Vehicle ndash Dealer Sales Used Vehicle
4 4 4
Motor Vehicle ndash Detailer 4 4 4
Motor Vehicle ndash Mechanic 4 4 4
Motor Vehicle ndash Panel Beater Spray Painter
4 4 4
Motor Vehicle ndash Parts Retailer 4 4 4
Motor Vehicle ndash Wrecker 5 H D
Museum Curator 2 2 2
Music Teacher ndash FT in School Uni College 2 2 2
Music Teacher ndash Working at Home 5 H D
Musician ndash Orchestral 3 H D
Musician ndash Other 5 H D
Naturopath ndash Registered 2 2 2
Navy Personnel ndash Diver 5 H D
Navy Personnel ndash No Special Hazards Shore Duties
5 H D
Navy Personnel ndash Office Duties Only 5 H D
Navy Personnel ndash Seagoing 5 H D
Navy Personnel ndash Submariner 5 H D
Navy Personnel ndash Volunteer Reserve 5 H D
Neurologist 1 1 1
Neurosurgeon 1 1 1
Newsagent ndash Deliveries 4 4 4
Newsagent ndash Shop Sales Only 3 3 3
Newspaper ndash Editor 2 2 2
Newspaper ndash JournalistReporter salaried no Overseas assign
2 2 2
Newspaper ndash Photographer salaried |no Overseas assign
4 4 4
Newsreader 3 H D
Nuclear Medicine Specialist 1 1 1
Nurse ndash Dental 2 2 2
Nurse ndash Director of NursingMatron 2 2 2
Occupations Death TPD IP
Nurse ndash General 3 3 3
Nurse ndash Psychiatric 4 4 4
Nurse ndash Registered 3 3 3
Nurse ndash Enrolled or Nurses Aide 4 4 4
Nursery Person ndash Other than Qualified 5 5 5
Nursery Person ndash No qualifications 5 5 5
Nursery Person ndash Qualified 4 4 4
Nurses Aide Enrolled 4 4 4
Obstetrician 1 1 1
Occupational Therapist ndash Other 3 3 3
Occupational Therapist ndash Qualified 2 2 2
Office Worker 2 2 2
Oil And Gas ndash Distributors ndash No delivery 3 3 3
Oil And Gas ndash Onshore Worker Admin Only 2 2 2
Oil And Gas ndash Others 5 H D
Oil And Gas ndash Pipeline Offshore Worker 5 H D
Oil And Gas ndash Refinery Worker 5 H D
Oil And Gas ndash Tanker Driver Local 5 H D
Oil And Gas ndash Truck Driver Long Distance 5 H D
Oncologist 1 1 1
Ophthalmic Surgeon 1 1 1
Ophthalmologist 1 1 1
Optical Technician 2 2 2
Optician 1 1 1
Optometrist 1 1 1
Orchardist 5 5 5
Orthodontist 1 1 1
Orthopaedic Surgeon 1 1 1
Osteopath 2 2 2
Packer 5 5 5
Paediatric Surgeon 1 1 1
Paediatrician 1 1 1
Painter ndash Heights over 10m 5 H D
Painter ndash Heights to 10m 4 4 4
Painter ndash Spray 4 4 4
Panel Beater 4 4 4
Park Keeper 5 5 5
Park Ranger 5 5 5
Parking Station Attendant 5 5 5
Parking WardenOfficer (Max 55 Only) 5 5 5
Pastry Cook Qualified 3 3 3
Pathologist 1 1 1
Paver 5 5 5
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26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
26 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide26
Occupations Death TPD IP
Pawnbroker 5 5 5
Payroll Guard ndash Armed 5 H D
Payroll Guard ndash Unarmed 5 5 5
Periodontist 1 1 1
Personal Trainer 5 H D
Personnel Consultant ndash Other 2 2 2
Personnel Consultant ndash Professional Qualifications
1 1 1
Pest Controller 5 5 5
Petrol Tanker Driver ndash Local 5 5 5
Petrol Tanker Driver ndash Long Distance 5 H D
Pharmacist 1 1 1
Photoengraver 3 3 3
Photographer ndash Aerial 5 H D
Photographer ndash AerialAviation 5 H D
Photographer ndash Employed on Location Australia Only
4 4 4
Photographer ndash Freelance 5 H D
Photographer ndash Studio Weddings 2 2 2
Physician 1 1 1
Physicist 1 1 1
Physiotherapist 1 1 1
Piano Tuner 3 3 3
Picture Framer 4 4 4
Pilot ndash Harbour 5 5 5
Pipeline Worker 5 5 5
Plasterer 4 4 4
PlumberGas Fitter 3 3 3
PlumberGas Fitter ndash Roof 5 5 5
Podiatrist Registered 1 1 1
Police 5 H D
Police Diver 5 H D
Porter 5 5 5
Post Office Agent 3 3 3
Post Office Agent ndash Desk Work Only 2 2 2
Post Sorter 5 5 5
Postman 4 H D
Pottery and Ceramics ndash Potter (Not Working at Home)
4 4 4
Poultry Farmer Poulterer 5 5 5
Power Station Skilled ndash and other Workers 4 4 4
Power Station Skilled ndash Power Station Supervisor
3 3 3
Principal School 1 1 1
Occupations Death TPD IP
Printer 4 4 4
Printing and Publishing ndash AdminClerical 2 2 2
Printing and Publishing ndash Bookbinder Compositor
3 3 3
Printing and Publishing ndash Computer Operator
2 2 2
Printing and Publishing ndash Editor Proofreader Publisher
2 2 2
Printing and Publishing ndash Lithographer Linotype
4 4 4
Printing and Publishing ndash Others 5 5 5
Printing and Publishing ndash Printer 4 4 4
Prison Officer 5 H D
Private Detective ndash Enquiry Agent 5 H D
ProcessProduction Workers 5 5 5
Produce Merchant 4 4 4
Professional Sportsperson 5 H D
Professor 1 1 1
Programmer ndash Systems Analyst ndash other 2 2 2
Programmer ndash Systems Analyst ndash with Degree
1 1 1
Projectionist 3 3 3
Proof ndash Reader 2 2 2
Property ndash Consultant 2 2 2
Property ndash Developer 3 H D
Property ndash Investor 2 H D
Psychiatrist 1 1 1
Psychologist 1 1 1
Public Relations Officer 2 2 2
Public Servant 5 H D
Publisher 2 2 2
Purchasing Officer 2 2 2
Quantity Surveyor 1 1 1
Quarry Worker ndash Blasting 5 H D
Quarry Worker ndash No Blasting 5 H D
Radio And Television ndash ActorActress 3 H D
Radio And Television ndash Admin Office Only 2 2 2
Radio And Television ndash Announcer 3 H D
Radio And Television ndash ChoreographerDancer
4 H D
Radio And Television ndash Director Editor Producer
2 H D
Radio And Television ndash Distributor 2 2 2
Radio And Television ndash Engineer Projectionist
3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
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30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 27
Occupation Classification
Insurance cost and occupation classification guide 27
Occupations Death TPD IP
Radio And Television ndash Entertainment Agent
3 H D
Radio And Television ndash Journalist 3 H D
Radio And Television ndash Musician 3 H D
Radio And Television ndash Newsreader Announcer
3 H D
Radio And Television ndash Repairperson Technician
3 3 3
Radio And Television ndash Scriptwriter 3 H D
Radio And Television ndash Stuntman 5 H D
Radio And Television ndash Technician Cameraman Engineer
3 3 3
Radiographer 2 2 2
Radiologist 1 1 1
Radiotherapist 2 2 2
Railway ndash DriverGuard 5 H D
Railway ndash Stationmaster 3 3 3
Railway Worker 5 5 5
Real Estate Agent Qualified 2 2 2
Receptionist 2 2 2
Reflexologist ndash Qualified 2 2 2
Refrigerator Mechanic 4 4 4
Refueller ndash Airport 5 5 5
Rehabilitation Consultant ndash Qualified 2 2 2
Rehabilitation Consultant ndash Unqualified 2 2 2
Removalist 5 5 5
Renal Physician 1 1 1
Renderer ndash Heights over 10m 5 H D
Renderer ndash Heights to 10m 4 4 4
Repairman ndash Serviceman ndash Heavy Equipment
4 4 4
Repairman ndash Serviceman ndash Light Manual 3 3 3
Reporter ndash No Overseas Work 2 H D
Reporter ndash Overseas Assignments 3 H D
Restaurant ndash Bar Staff (FT) 5 H D
Restaurant ndash ChefCook Qualified 3 3 3
Restaurant ndash Kitchen Hand 5 H D
Restaurant ndash Maitrersquod 3 3 3
Restaurant ndash Manager Proprietor 2 2 2
Restaurant ndash WaiterWaitress 5 H D
Riding Instructor 4 4 4
Rigger 5 H D
Roofer 5 5 5
Saddlemaker 5 5 5
Sailmaker 4 4 4
Occupations Death TPD IP
Sales Representative ndash Advertising 2 2 2
Sales Representative ndash HouseLand 2 2 2
Sales Representative ndash Insurance 2 2 2
Sales Representative ndash Machinery Heavy 4 4 4
Sales Representative ndash Machinery Light 3 3 3
Sales Representative ndash Other ndash Deliveries 5 5 5
Sales Representative ndash Other ndash No Deliveries
3 3 3
Sales Representative ndash Other ndash Metro only Deliveries
5 5 5
Sales Representative ndash Other ndash Metro only No Deliveries
3 3 3
Sales Representative ndash StockStation 4 4 4
Sales ndash Marketing Manager 2 2 2
Salvage Vessel Officer 5 H D
Sandblaster 5 H D
Sanitation Services ndash Garbage Collector 5 H D
Sanitation Services ndash Incinerator Operator 5 H D
Sanitation Services ndash Street Cleaning ndash Driving Only
5 H D
Sanitation Services ndash Street Cleaning ndash Manual
5 H D
Sawmill Worker ndash Others 5 H D
Sawmill Worker ndash Supervisor 4 4 4
Sawyer 5 H D
Scaffolder 5 H D
School ndash PrincipalHeadmasterHeadteacher
1 1 1
School ndash Teacher Classroom 2 2 2
School ndash Teacher Music (FT in School UniCollege)
2 2 2
School ndash Teacher Music (Working from Home)
3 H D
School ndash Teacher Physical Education 3 3 3
School ndash Teacher Pre School 3 3 3
School ndash Teacher Trades Technical 3 3 3
Scientist 1 1 1
Scrap Metal Dealer 5 H D
Sculptor 5 H D
Seaman ndash Crew 5 H D
Seaman ndash Officer 5 H D
Search amp Rescue Workers 5 H D
Second Hand Dealer 5 5 5
Secretary 2 2 2
Security Guard ndash Armed 5 H D
Security Guard ndash Unarmed 5 H D
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
28 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide28
Occupations Death TPD IP
Senior Executive 1 1 1
Service Station ndash Cashier 3 3 3
Service Station ndash Mechanic 4 4 4
Service Station ndash Proprietor 3 3 3
Service Station ndash Pump Attendant 4 4 4
Serviceman 5 H D
Sewing Machine Mechanic 3 3 3
Sex Worker 5 H D
Shearer Shearing Contractor 4 H D
Sheetmetal Worker 4 4 4
Shipping ndash Harbour Pilot 5 5 5
Shipping ndash Salvage Vessel ndash Officer amp Crew 5 H D
Shipping ndash Seagoing Personnel ndash Crew 5 H D
Shipping ndash Seagoing Personnel ndash Officer 5 H D
Shipping ndash Shore Personnel Admin 2 2 2
Shipping ndash Shore Personnel Other 4 4 4
Shipwright 3 3 3
Shipyard Worker 5 H D
Shoemaker Repairer 4 4 4
Shop ndash Adult Books or Goods 4 H D
Shop ndash Antiques Deliveries 5 5 5
Shop ndash Antiques Restoration 4 4 4
Shop ndash Antiques Sales Only 3 3 3
Shop ndash Aquarium 4 4 4
Shop ndash Artist Supplies 3 3 3
Shop ndash Bakery 3 3 3
Shop ndash Bedding 3 3 3
Shop ndash Bicycle Repairs 4 4 4
Shop ndash Bicycle Sales Only 3 3 3
Shop ndash Boating Equipment 3 3 3
Shop ndash Books Stationery 3 3 3
Shop ndash Bootmaker 4 4 4
Shop ndash Bottleshop 4 4 4
Shop ndash Brassware 4 4 4
Shop ndash Bread Cakes 3 3 3
Shop ndash Butcher 3 3 3
Shop ndash Cafe Employees 5 5 5
Shop ndash Cafe Proprietor with Staff 3 3 3
Shop ndash Cards 3 3 3
Shop ndash Carpet Floor Covering 4 4 4
Shop ndash China amp Glassware 3 3 3
Shop ndash Clothing Store 3 3 3
Shop ndash Computer Supplies 3 3 3
Occupations Death TPD IP
Shop ndash Confectionery 3 3 3
Shop ndash Curtain Sales Only 3 3 3
Shop ndash Delicatessen Employees 5 5 5
Shop ndash Delicatessen Proprietor with Staff 3 3 3
Shop ndash Disposal Store 4 4 4
Shop ndash Dry Cleaner 4 4 4
Shop ndash Duty Free 3 3 3
Shop ndash Electrical Goods 3 3 3
Shop ndash Fast Food Proprietor with Staff 3 3 3
Shop ndash Fast Foods Employee 5 H D
Shop ndash Fishmonger 4 4 4
Shop ndash Florist Deliveries 4 4 4
Shop ndash Florist Sales Only 3 3 3
Shop ndash Footwear 3 3 3
Shop ndash Fruiterer 4 4 4
Shop ndash Furniture Deliveries 5 5 5
Shop ndash Furniture Sales Only 3 3 3
Shop ndash General Store 4 4 4
Shop ndash Gift Shop 3 3 3
Shop ndash Glazier 4 4 4
Shop ndash Greengrocer 4 4 4
Shop ndash Grocer 4 4 4
Shop ndash Gunsmith 5 5 5
Shop ndash Haberdasher 3 3 3
Shop ndash Hardware Building Supplies Sales 3 3 3
Shop ndash Hardware Building Supplies Yard Work
5 5 5
Shop ndash Health Food 3 3 3
Shop ndash Icecream Parlour 3 3 3
Shop ndash Jeweller Retail 2 2 2
Shop ndash Jewellery Maker Engraver Setter 3 3 3
Shop ndash Lawnmower Service amp Repairs 5 5 5
Shop ndash Lawnmower Sales Only 3 3 3
Shop ndash Light Fitting Sales 3 3 3
Shop ndash Liquor Store 4 4 4
Shop ndash Locksmith 4 4 4
Shop ndash Milk Bar Proprietor with Staff 3 3 3
Shop ndash Milk Bar Employee 5 H D
Shop ndash Motor Vehicle Accessories and Spare Parts
4 4 4
Shop ndash Musical Instrument Sales 3 3 3
Shop ndash Newsagent deliveries 4 4 4
Shop ndash Newsagent Sales Only 3 3 3
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 29
Occupation Classification
Insurance cost and occupation classification guide 29
Occupations Death TPD IP
Shop ndash Not Otherwise Classified Heavy Goods
5 5 5
Shop ndash Not Otherwise Classified Light Goods
3 3 3
Shop ndash Nursery (Qualified Light Manual) 4 4 4
Shop ndash Nursery Other 5 5 5
Shop ndash Nursery Sales Only 3 3 3
Shop ndash Office Equipment Repairs 3 3 3
Shop ndash Office Equipment Sales Only 3 3 3
Shop ndash Office Supply Stationer Deliveries 4 4 4
Shop ndash Office Supply Stationer Sales Only 3 3 3
Shop ndash Outdoor Supplies 4 4 4
Shop ndash Paint amp Wallpaper 4 4 4
Shop ndash Pawnbroker 5 H D
Shop ndash Petshop 3 3 3
Shop ndash Photocopying Repairs 4 4 4
Shop ndash Photocopying Sales Only 3 3 3
Shop ndash Photographic Sales Only 3 3 3
Shop ndash Photographic Service amp Repairs 4 4 4
Shop ndash Record Shop 3 3 3
Shop ndash Secondhand Goods deliveries 5 5 5
Shop ndash Shoe Shop 3 3 3
Shop ndash SkinHideLeather Sales Only 3 3 3
Shop ndash Sporting Goods 3 3 3
Shop ndash Stationery 3 3 3
Shop ndash Supermarket 3 3 3
Shop ndash Supermarket Cashier 3 3 3
Shop ndash Supermarket Deliveries 5 5 5
Shop ndash Supermarket Manager No Manual 2 2 2
Shop ndash Supermarket Other 4 4 4
Shop ndash Swimming Pool Supplies Sales Only 3 3 3
Shop ndash Takeaway Food Employees 5 H D
Shop ndash Takeaway Food Proprietor with Employees
3 3 3
Shop ndash Tobacconist 3 3 3
Shop ndash Toy Shop 3 3 3
Shop ndash Video Shop 3 3 3
Shopfitter 4 4 4
Shower Screen Installer 4 4 4
Sign ndash Erector to 10m 5 5 5
Sign ndash Erector over 10m 5 H D
Sign ndash Writer Heights over 10m 5 H D
Sign ndash Writer Heights up to 10m 4 4 4
Silversmith Goldsmith 4 4 4
Occupations Death TPD IP
Singer 3 H D
Skylight Fitter 4 4 4
Slaughterman 5 5 5
Social Worker ndash Other than Qualified 4 4 4
Social Worker ndash Qualified 2 2 2
Soft Drink ndash Deliverer 4 4 4
Soft Drink ndash Manufacturer Others 5 5 5
Soft Drink ndash Manufacturer Supervisor 3 3 3
Solicitor 1 1 1
Special Air Services 5 H D
Specialist Physician 1 1 1
Speech Pathologist ndash Therapist Other 2 2 2
Speech Pathologist ndash Therapist Qualified 1 1 1
Sportsperson 5 H D
SportsFitness Centre ndash Instructor 4 H D
SportsFitness Centre ndash Proprietor 3 3 3
Spray Painter 4 4 4
Squash Court Owner 3 3 3
Stablehand 5 H D
Stage Hand (roadie) ndash music 5 H D
Stage Manager (No Manual) 3 3 3
Station Hand 5 5 5
Statistician Degree Qualified 1 1 1
Steel Erector Fixer 5 5 5
Steeplejack 5 H D
Stenographer 2 2 2
Stevedore 5 5 5
Steward Stewardess Airline 4 H D
Stock And Station Agent 4 4 4
Stockbroker Degree Qualified 1 1 1
Stockman 5 5 5
Stonemason 5 5 5
StoremanPacker 5 5 5
Strapper 5 H D
Street Cleaner 5 5 5
Structural Steel ErectorRigger 5 5 5
Student 5 H D
Stuntman 5 H D
Submariner ndash Deep Sea Oceanography 5 H D
Submariner ndash Military 5 H D
Sugar Refinery ndash Other 5 H D
Sugar Refinery ndash Supervisor 3 3 3
Supermarket ndash Cashier Only 3 3 3
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
30 INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019
Occupation Classification
Insurance cost and occupation classification guide30
Occupations Death TPD IP
Supermarket ndash Deliveries 5 5 5
Supermarket ndash Manager No Manual 2 2 2
Supermarket ndash No Manual duties 3 3 3
Surfboard Shaper 4 4 4
Surgeon 1 1 1
Surgical Appliance Maker 3 3 3
Surveyor ndash Explosives 5 H D
Surveyor ndash Marine 4 4 4
Surveyor ndash Mine or Remote Areas 4 4 4
Surveyor ndash Qualified Field 3 3 3
Surveyor ndash Qualified Office Only 1 1 1
Surveyor ndash Quantity 1 1 1
Swimming Pool ndash Attendant 5 H D
Swimming Pool ndash Builder 4 4 4
Swimming Pool ndash Instructor FT 4 4 4
Swimming Pool ndash Proprietor Manager 2 2 2
Systems Analyst ndash Degree 1 1 1
Systems Analyst ndash Other 2 2 2
Tab Agent 2 2 2
Tailor Dressmaker ndash Qualified Not Working at Home
4 4 4
Take Away Fast Food ndash Employee 5 H D
Take Away Fast Food ndash Proprietor With Staff 3 3 3
Tanker Driver ndash LocalMetro 5 H D
Tanker Driver ndash Long Distance 5 H D
Tanner 5 5 5
Tax Consultant ndash Degree 1 1 1
Tax Consultant ndash Other 2 2 2
Taxi Driver ndash Employee 5 H D
Taxi Driver ndash Owner Driver 4 4 4
Taxidermist 4 4 4
Teacher ndash Classroom (no manual) 2 2 2
Teacher ndash Manual or Physical Education 3 3 3
Teacher ndash Music FT in School Uni College
2 2 2
Teacher Music (Working from Home) 2 2 2
Teacher Pre School 3 3 3
Teacher Trades Technical 3 3 3
Teachers Aide 4 4 4
Telecommunications ndash Engineer 3 3 3
Telecommunications ndash Linesman 5 5 5
Telephone ndash Engineer 3 3 3
Telephone ndash Technician No Underground or Heights
3 3 3
Occupations Death TPD IP
Telephone ndash Technician Underground or Heights up to 10m
5 5 5
Telephonist 2 2 2
Television Industry ndash ActorActress 3 H D
Television Industry ndash Admin Office Only 2 2 2
Television Industry ndash Announcer 3 H D
Television Industry ndash ChoreographerDancer
4 H D
Television Industry ndash Director Editor Producer
2 2 2
Television Industry ndash Distributor 2 2 2
Television Industry ndash Engineer Projectionist
3 3 3
Television Industry ndash Entertainment Agent 3 3 3
Television Industry ndash Journalist 3 H D
Television Industry ndash Musician 3 3 3
Television Industry ndash Newsreader Announcer
3 H D
Television Industry ndash Repairperson Technician
3 3 3
Television Industry ndash Scriptwriter 3 H D
Television Industry ndash Stuntman 5 H D
Television Industry ndash Technician Cameraman Engineer
3 3 3
Teller 2 2 2
Tennis Coach (Not Touring) 5 H D
Test Pilot 5 H D
Theatre Cinema Industry ndash ActorActress 3 H D
Theatre Cinema Industry ndash Director Producer
3 H D
Theatre Cinema Industry ndash Management No Manual
2 2 2
Theatre Cinema Industry ndash Projectionist 3 3 3
Theatre Cinema Industry ndash Usher FT 4 4 4
Tiler ndash FloorWall ndash Qualified 4 4 4
Tiler ndash Roof 5 H D
Timber Industry ndash Others 5 H D
Timber Industry ndash Timber Merchant Manual Work
5 5 5
Timber Industry ndash Timber Merchant No Manual
3 3 3
Timber Industry ndash Tree Feller 5 H D
Timber Industry ndash Tree Surgeon 5 H D
Tobacco Industry ndash Others 5 H D
Tobacco Industry ndash Supervisor 3 3 3
Tool Maker 4 4 4
Tour Guide 5 H D
Occupational Classification Table
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
perforation
INSURANCE COST AND OCCUPATION CLASSIFICATION GUIDE | 1 APRIL 2019 31
Occupation Classification
Insurance cost and occupation classification guide 31
Occupations Death TPD IP
Tow Truck Driver 5 H D
Town Planner ndash Degree 1 1 1
Town Planner ndash Other 2 2 2
Track Worker 5 H D
Train Driver 3 H D
Train Guard 5 H D
Tram Conductor 3 H D
Travel Agent 2 2 2
Tree Surgeon 5 H D
Treefeller 5 H D
Trench Digger Mechanical 5 5 5
Trotting Driver 5 H D
Truck amp Van Driver ndash LocalMetro 5 5 5
Truck amp Van Driver ndash Long Distance 5 H D
Tupperware Sales Person ndash (Min 2 Years) 3 3 3
Turner Qualified 4 4 4
Typesetter 3 3 3
Typewriter Mechanic 3 3 3
Typist 2 2 2
Tyre And Battery ndash Manufacture Repairs Fitting
5 5 5
Tyre And Battery ndash Sales Only 3 3 3
Unarmed Security Guard 5 H D
Underground Workers ndash No Explosives 5 H D
Underground Workers ndash Using Explosives 5 H D
Undertaker 2 2 2
Underwriter Insurance 2 2 2
University And College Staff ndash OfficeAdmin
2 2 2
University And College Staff ndash ProfLecturer ndash Qual
1 1 1
Unskilled Manual Worker 5 5 5
Upholsterer 4 4 4
Urologist 1 1 1
Usher FT 4 4 4
Valuer 2 2 2
Vehicle Wrecker 5 H D
Veterinarian 1 1 1
Veterinary Nurse 3 3 3
Vicar 4 4 4
Video Shop proprietor 3 3 3
Vigneron ndash Manual 5 5 5
Vigneron ndash No Manual 3 3 3
Volunteer Reserve 5 H D
Occupations Death TPD IP
Waiter 5 5 5
Waitress 5 5 5
Wallpaper Hanger 4 4 4
Warehouseman 5 5 5
Washing Machine Mechanic 4 4 4
Watchmaker 3 3 3
Waterproofer 5 5 5
Waterside Worker 5 5 5
Weaver ndash Not Working from Home 4 4 4
Welder 4 4 4
Welfare Office ndash Youth Worker Qualified 2 2 2
Wharf Labourer 5 5 5
Window Cleaner ndash Heights above 10m 5 H D
Window Cleaner ndash Heights to 10m 5 5 5
Window Dresser 4 4 4
Window Tinter 4 4 4
Windscreen Fitter Installer Glazier 5 5 5
Wiremaker 5 5 5
Wine Merchant 3 3 3
Wool ndash Buyer 3 3 3
Wool ndash Classer 3 3 3
Wrecker ndash Foreman 5 5 5
Wrecker ndash Other 5 H D
X-ray Technician Radiographer 2 2 2
Zoo Keeper Attendant 5 5 5
Zoologist 2 2 2
Zoologist ndash No field work 1 1 1
0263-0214dy
0263-0319
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau
Contact us
GPO Box 529 Sydney NSW 2001Phone 1300 854 994Email adminhub24comauVisit myhub24comau