Which scenario illustrates a Change of Occupation that would typically be considered a movement to a less hazardous job under a Disability Income policy?

• A. Moving from a desk job to a construction site
• B. Moving from a desk job to a minor administrative role in the same company
• C. Moving from a quiet office to a high-stress sales role
• D. Retirement

Answer: (B)

Change of Occupation clauses in disability income policies protect you when you move to a job with lower risk. In this scenario, switching from a desk job to a minor administrative role within the same company typically reduces physical demands and exposure to workplace hazards, making it a less hazardous occupation. Because the new role involves lighter duties and less risk than the original desk job, it fits the usual definition of a movement to a less hazardous occupation under the policy.

The other possibilities don’t fit as clearly. Moving to a construction site would raise physical risk, not lower it. A high-stress sales role might increase mental or emotional strain, which isn’t the same as a lower physical hazard and isn’t typically treated as a less hazardous occupation. Retirement ends active coverage rather than representing a change to a less hazardous job.