Voluntary Benefits

Disclosures

Trustmark Paycheck Protect Insurance

Trustmark Paycheck Protect® insurance marketing pieces and presentations provide a brief description of benefits under DI 516 and applicable riders CFR 516 and JSB 516. 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. Please refer to your policy/group certificate and outline of coverage, if applicable, for complete information. Limitations on pre-existing conditions may apply. A waiting period may apply before benefits are payable. 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. Underwriting conditions may vary, and determine eligibility for the offer of insurance.

Trustmark Paycheck Protect® is a registered trademark of Trustmark Insurance Company.

Underwritten by Trustmark Insurance Company, Lake Forest, Illinois.

For additional disclosures specific to your state, see below:

Kansas

Policy form DI 516 and applicable rider CFR 516:

We will not pay benefits for losses that are caused by or occur as the result of Your:

  • Involvement in any period of armed conflict, even if it is not declared;
  • Riding in or driving any motor-driven vehicle in a race, stunt show, or speed test;
  • Operating, learning to operate, serving as a crew member of, or jumping or falling from any aircraft, including those which are not motor-driven. This does not include flying as a fare paying passenger;
  • Participating or attempting to participate in an illegal activity;
  • Committing or trying to commit suicide or injuring Yourself intentionally, whether You are sane or not;
  • Addiction to alcohol or drugs;
  • Any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.
  • Having a Pre-Existing Condition as described and limited in this Certificate;
  • Having a psychiatric or psychological condition including but not limited to affective disorders, neuroses, anxiety, stress, and adjustment reactions. However, Alzheimer’s disease and other organic senile dementias are covered; and
  • Having a work-related Injury.

This represents all possible exclusions and limitations that may apply. Actual exclusions and limitations may vary by policy. Your policy will contain exact details.

An AM Best rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. Trustmark is rated A (3rd out of 13 possible ratings ranging from A++ to D).

Last Updated 3/29/2024.

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.

A112-3827