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D Disability Cover Review Independent disability research

Occupation database

Occupations

How insurers classify common professions: risk class, typical premium and whether own-occupation coverage is realistically available.

Education 1 Hospitality 1 Medical 4 Professional 3 Sales 1 Skilled trade 3 Transport 1

Occupation

Disability Insurance for Registered nurses: Risk Class, Cost & Definitions

Registered nurse disability cover: class 4, $55–$100/month, own-occupation yes. Underwriting notes and what to ask for.

Risk class Class 4Typical premium $55–$100Own-occupation Yes

Occupation

Disability Insurance for Software engineers: Risk Class, Cost & Definitions

Software engineer disability cover: class 4, $60–$110/month, own-occupation yes. Underwriting notes and what to ask for.

Risk class Class 4Typical premium $60–$110Own-occupation Yes

Occupation

Disability Insurance for Dentists: Risk Class, Cost & Definitions

Dentist disability cover: class 5, $160–$290/month, own-occupation yes, standard. Underwriting notes and what to ask for.

Risk class Class 5Typical premium $160–$290Own-occupation Yes, standard

Occupation

Disability Insurance for Surgeons: Risk Class, Cost & Definitions

Surgeon disability cover: class 5 (lowest risk), $180–$320/month, own-occupation yes, standard. Underwriting notes and what to ask for.

Risk class Class 5 (lowest risk)Typical premium $180–$320Own-occupation Yes, standard

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