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Your occupational rating

See how your occupation could
impact your insurance in super.

Occupational ratings

Download the occupational rating guides, find out about how your occupation is classified and why it’s important to get your occupational rating correct.

Occupational rating guides

The guides below are to assist employers and members to classify occupation types for the purpose of obtaining insurance through MLC MasterKey Business Super, MLC MasterKey Personal Super and MLC MasterKey Super Fundamentals.

If you have a ‘special risk’ occupational rating, your Income Protection waiting and benefit period may be impacted.

Occupational rating and MLC MasterKey Business Super

When you first join MLC MasterKey Business Super, your employer will provide us with an occupational rating—which is determined by the duties you perform. This rating is important because it impacts the cost of your insurance.

You can check your occupation rating classification in your Welcome Kit, Insurance Summary, as well as your Annual Statement. You can also refer to the Occupational guides to see how your occupation rating impacts your insurance cover.

Occupational rating and MLC MasterKey Super Fundamentals

The occupational rating doesn’t impact you—if you’ve got Lifestage cover in MLC MasterKey Super Fundamentals.

But if you apply for additional insurance cover after you’ve joined the plan, you’ll need to let us know the details of your occupation. Your occupational rating is important because it could impact factors such as your premiums, eligibility for insurance cover and the ability to make a claim.

You can check your occupation rating classification in your Annual Statement.

If you change the type of work you’re engaged in, you should review the occupation rating details in the Occupational ratings guide and contact us if they’ve changed.

How your occupational rating is determined

An occupational classification is determined by duties performed, not by the job title. For more information about what this might mean for you, see the Occupational ratings guide.


What happens if we don’t know your occupation?

If we don’t know your occupation, you’ll be classified as ‘Light blue collar’ and the factor listed in the relevant Occupational ratings guide table for that classification will apply to your premium rates.

If your gender isn’t on our records, you’ll be charged male rates for Death and Total and Permanent Disablement insurance, as well as female rates for Income Protection.

More information

How much insurance do I need?

The insurance cover that’s right for you depends on your personal, family, and financial circumstances, as well as your income and lifestyle.

Why get insurance? >

Useful forms

If you’d like to make changes to your insurance, visit our forms page to download the right form for you.

Insurance forms >

Apply to increase your insurance

If you’ve recently had a life event, you may be able to increase your cover without providing medical evidence.

Getting insurance >