This tool helps you work out if you could pay less for your insurance cover.
We offer three types of work ratings*: Standard, Low Risk and Professional. A Standard work rating means your cover is the most expensive.
But if you spend at least 80% of your time in an office environment and don’t do any manual work, you may be eligible for a Low Risk or Professional rating – which would mean your cover would cost less.
Answer these questions then click Calculate work rating to see if you’re eligible.
* If you’re a Public Sector Division member, your work rating only applies to your Income Protection cover.
It looks like you might be eligible for a Low Risk work rating.
Our insurer will consider your application and if it’s accepted, we’ll confirm your new work rating in writing.
It looks like you might be eligible for a Professional work rating.
Based on your response to the questions, you have a Standard work rating. This means you’re not eligible for Low Risk or Professional work rating.