Voluntary Benefits
Disability insurance to protect your income
Your family, hobbies, dreams – these are the things that you live for each day. And being able to enjoy that life depends on your income and having the peace of mind that it will always be there for you and for those who count on you. Trustmark Paycheck Protect® is disability insurance that can help.
Paycheck Protect helps to ensure your livability and lifestyle, ensuring that nothing gets in the way or keeps you down. With it, you can go about life knowing if something happens and you can’t do your regular job, Paycheck Protect will replace part of your paycheck. That cash can be used for whatever helps keep you going.
Paycheck Protect helps to ensure your livability and lifestyle, ensuring that nothing gets in the way or keeps you down. With it, you can go about life knowing if something happens and you can’t do your regular job, Paycheck Protect will replace part of your paycheck. That cash can be used for whatever helps keep you going.
Disability insurance to help you stay on your feet
Trustmark Paycheck Protect is disability insurance that helps life stay livable if you need to go out of work for a while because of a sickness or an injury that we cover. We’ll pay you a percentage of your paycheck to help you and your family keep living your active lives.
Even if your medical insurance covers any or all of your bills — you still get the same amount. We pay the money directly to you, and it’s yours to use however you want, which can help you keep your life running as smoothly as possible until you get back to work.
Even if your medical insurance covers any or all of your bills — you still get the same amount. We pay the money directly to you, and it’s yours to use however you want, which can help you keep your life running as smoothly as possible until you get back to work.
Morgan's story
Below is a story we created about Morgan. She plays a mom who will demonstrate how Trustmark Paycheck Protect can work.
It takes a lot to keep life running smoothly. Morgan’s busy life couldn’t wait for her to return to work. Watch her story to see how a family like yours could benefit from the livability assurance provided by Trustmark Paycheck Protect.
Frequently Asked Questions
How much of my paycheck will Paycheck Protect replace?
It depends on the state your job is in, as well as the plan you’re being offered. Check with your benefits representative to find out.
What is a maximum benefit period?
The maximum benefit period is the total amount of time we will continue paying you while you are still on an approved claim. For example, if your maximum benefit period is 3 months, and you are out of work for 6 months, we will only pay for the initial 3 months. On the other hand, if you are approved to be out of work for 6 weeks only, we will pay you for those 6 weeks, not the full three months. Check with your benefits representative to find out what you’re being offered.
What is an elimination period?
An elimination period is the amount of time you must be out of work before we can begin paying you. For example, if you have a seven-day elimination period, and you are on an approved claim for 30 days, we will pay you starting on the eighth day through the 30th day. Typically, employees will use their company’s Paid Time Off hours (if available) to cover the days that they aren’t working before Paycheck Protect kicks in. Elimination periods vary; check with your benefits representative to find out how long yours is.
How are my benefits affected by worker’s compensation?
It depends on your policy. If you have ‘on-the-job’ benefits included, you will receive 25% of your benefit in addition to what you are receiving from worker’s compensation. If you do not have the ‘on-the-job’ benefit included, and you are receiving worker’s compensation, you will not receive any additional benefits from Paycheck Protect. If your worker’s comp claim is denied, though, you would be eligible for your full benefit for an approved Paycheck Protect claim.
How long will it take Trustmark to handle my claim?
We process Paycheck Protect claims within five business days, which includes communication with you to confirm our payment or ask you for more information.
What can I spend my benefits on?
Anything! We pay you directly, so you can use the money for anything you want, just like your normal paycheck.
It depends on the state your job is in, as well as the plan you’re being offered. Check with your benefits representative to find out.
What is a maximum benefit period?
The maximum benefit period is the total amount of time we will continue paying you while you are still on an approved claim. For example, if your maximum benefit period is 3 months, and you are out of work for 6 months, we will only pay for the initial 3 months. On the other hand, if you are approved to be out of work for 6 weeks only, we will pay you for those 6 weeks, not the full three months. Check with your benefits representative to find out what you’re being offered.
What is an elimination period?
An elimination period is the amount of time you must be out of work before we can begin paying you. For example, if you have a seven-day elimination period, and you are on an approved claim for 30 days, we will pay you starting on the eighth day through the 30th day. Typically, employees will use their company’s Paid Time Off hours (if available) to cover the days that they aren’t working before Paycheck Protect kicks in. Elimination periods vary; check with your benefits representative to find out how long yours is.
How are my benefits affected by worker’s compensation?
It depends on your policy. If you have ‘on-the-job’ benefits included, you will receive 25% of your benefit in addition to what you are receiving from worker’s compensation. If you do not have the ‘on-the-job’ benefit included, and you are receiving worker’s compensation, you will not receive any additional benefits from Paycheck Protect. If your worker’s comp claim is denied, though, you would be eligible for your full benefit for an approved Paycheck Protect claim.
How long will it take Trustmark to handle my claim?
We process Paycheck Protect claims within five business days, which includes communication with you to confirm our payment or ask you for more information.
What can I spend my benefits on?
Anything! We pay you directly, so you can use the money for anything you want, just like your normal paycheck.
Also available: Disability Income Insurance
Trustmark also offers a traditional disability insurance product that goes to work when you can’t, helping ensure that your life can keep running smoothly even when you are temporarily off your feet.
Keep in touch with Voluntary Benefits
This insurance policy/group certificate provides coverage for disabilities resulting from covered accidents or covered sicknesses. It is not a substitute for medical expense insurance, major medical expense insurance or a health benefit plan alternative. It is also not a Medicare Supplement policy, nor is it a policy of worker’s compensation. Benefits, definitions, exclusions, form numbers and limitations may vary by state. For costs and coverage detail, including exclusions, limitations and terms, see your agent or write the company.
Trustmark Voluntary Benefit Solutions, Inc. is a subsidiary of Trustmark Mutual Holding Company. Insurance products are underwritten by Trustmark Insurance Company or, for life insurance products in NY, Trustmark Life Insurance Company of New York.