When an insured changes to a more hazardous occupation, which disability policy provision allows an insurer to adjust policy benefits and rates?

The Change of Occupation Provision is essential for managing the risk associated with an insured's employment status. When an individual changes to a more hazardous occupation, this provision allows the insurer to reevaluate the terms of the policy, which includes adjusting the benefits and premiums to reflect the increased risk associated with the new job.

This is critical from the insurer's perspective, as a more hazardous occupation typically correlates with a higher likelihood of a disability occurring, thus necessitating a corresponding adjustment to protect the insurer's financial interests while still providing necessary coverage to the insured.

Other provisions like non-disclosure, subrogation, and accidental death serve different functions within a policy and do not pertain specifically to resolving issues arising from a change in the insured's job risk category. Non-disclosure relates to the completeness of information provided during the application process, subrogation concerns the insurer's right to recover costs from a third party responsible for a loss, and the accidental death provision addresses benefits in the event of an accidental death, not any change in occupation.