Applicants must be employed on a full-time basis (at least 30 hours per week) at time of application. Applicants employed only in seasonal occupations are not eligible for coverage. Applicants engaged in more than one occupation, even on a part-time or seasonal basis, are to be classified according to the most hazardous occupation.
BUSINESS IN THE HOME
Self-employed applicants conducting business in their home for at least two years will be underwritten with normal guidelines; self-employed applicants with less than two years are not eligible.
Note: W-2 employees working in the home more than 50 percent of the time will be underwritten with normal guidelines.
NEWLY SELF-EMPLOYED APPLICANTS
Newly self-employed applicants who do not have a tax return for a full year (January through December calendar year) from self-employment will not be eligible for Simplified DI but may be eligible for AssurityBalance® Personal Disability Income Insurance.
Persons involved in aviation, auto racing, hang gliding, sky diving, skin/scuba diving, or similar activities on an amateur basis will not be eligible for Simplified DI but may be eligible for AssurityBalance® Personal Disability Income.
Applications may be taken on U.S. citizens who permanently reside in the U.S., or on permanent resident aliens who have lived in the U.S. for at least three years and do not plan to return to their native country on a permanent basis. A photocopy of both sides of the applicant's resident alien card must be submitted with an application on a permanent resident alien.
DESCRIPTION OF CLASSES
Class 1 - Includes professional and clerical occupations, as well as occupations including laboratory, technical, supervisory and service work. Examples include:
|Biologist||Real Estate Agent|
|Computer Consultant ||Sales Clerk|
|Lab Technician||Speech Therapist|
Class 2 - Includes skilled and unskilled in what have traditionally been considered blue collar occupations. Examples include:
|Auto Body Repair ||Farmer|
|Auto Mechanic||Furniture Mover|
|Electrician||Used Car Dealer|
Not Eligible (NE) - Includes occupations not eligible for coverage due to exposure to serious accident or occupational hazards. Examples include:
|Air Traffic Controller||Entertainer|
|Armed Forces Member ||Pilot|
The normal benefit maximums will be allowed for federal, state, county, and city employees.
The normal benefit maximums will be allowed for railroad employees.
The normal benefit maximums will be allowed for teachers.
The normal benefit maximums for casino employees directly involved in gaming activities will be allowed based on salary, with the following guidelines:
All casino employees directly involved with gaming activities are classified as Occupational Class 2. (Employees of casinos who are not involved with gaming activities are not considered "casino employees" and will not be subject to the above limitations. Example: Casino Restaurant Manager would be classified as Class 1.)
- Gambling must be legalized in that state; and
- The casino must be operated in accordance with the law.