Illinois Mutual Occupation Class Upgrade Program

For Disability Income Protection


The community is full of paraprofessionals and skilled trade workers who need help protecting their income. Let them know you’re here to help what they work so hard for. Illinois Mutual’s Paycheck Power class upgrades offer W-2 workers some exciting options.

  • W-2 employees in eligible paraprofessional or skilled trade occupations applying for Personal Paycheck Power can now receive an occupation upgrade*.

  • This class upgrade allows your clients to apply at a lower cost and for optional benefits and riders that are available to the upgraded occupation class. This means your clients have even more coverage options available to them.

  • The To Age 67 benefit period may be available to Class 2 and Class 3 occupations subject to gainful employment in the current occupation for at least two consecutive years and a minimum salary of at least $30,000 annually.

  • Available class upgrades include:
    * Class 2 upgraded to Class 3
    * Class 3 upgraded to Class 5

Paraprofessional: a person who is trained, certified or licensed to assist a doctor, surgeon, dentist, veterinarian, registered nurse or other professional. Eligible occupations are:
  • Dental assistants (upgrade to Class 5!)
  • Dental hygienists
  • Veterinary Technicians (upgrade to Class5!)
  • Licensed practical nurses (LPNs)
  • Licensed vocational nurses (LVSs)
  • Surgical assistants
  • X-ray technicians
  • Ultrasound technicians
  • Teachers’ aides
Skilled Trade Worker: a person who is trained, certified or licensed in a particular trade or type of work that requires special training, advanced skill or manual proficiency. Eligible occupations are:
  • Carpenters
  • Plumbers
  • Electricians
  • Heating, ventilation, air conditioning (HVAC) technicians
  • Machinists
  • Mechanics
To learn more about Illinois Mutual’s individual and business income protection products, contact BUA!

*Not available to Class 4 occupations or chiropractors. The class upgrade and/or To Age 67 benefit period can be denied at the underwriter’s discretion on above-average risk cases. Part-time occupations are restricted to a maximum 2 year benefit period.



Jim LaFleur
Phone: 330.576.1131
Toll Free: 1.800.792.6795