Voluntary Benefits

Stay informed about Coronavirus (COVID-19)

COVID-19 FAQs for Policy Owners

Like many others, Trustmark is monitoring the situation with the coronavirus (COVID-19) closely while focusing on two priorities: the safety of our associates and serving our customers. We want to let you know of steps we’re taking to support our policy owners during this difficult time:

Trustmark provided at least a 90-day grace period for premium payments to accommodate policy owners going through challenging times. As we approach the three month (90-day) mark, Trustmark is now working to ensure adequate notices are sent to policy owners who are in danger of lapsing, offering the opportunity to pay the necessary premium.
Easy reinstatement option if you have been furloughed or temporarily laid off and request reinstatement before September 1, 2020.
An additional one-time $250 Jump-Start benefit if you can’t work due to contracting COVID-19 and qualify for disability benefits before December 31, 2020.

We know many of our policy owners are going through challenging times. We are with you and here for you.

As the situation evolves, we’ll keep you up to date. For more details on our current response and the resources you need, please use the FAQs below.

FAQs

At the start of the COVID-19 pandemic, Trustmark provided at least a 90-day grace period for premium payments to accommodate policy owners going through challenging times. As we approach the three month (90-day) mark, Trustmark is now working to ensure adequate notices are sent to policy owners who are in danger of lapsing, offering the opportunity to pay the necessary premium. Depending on your state requirements, and if you are behind on your premium, you may receive a letter with this information soon. If you have questions or concerns about your policy, contact our customer care professionals:

Customer Care: (800) 918-8877 or CustomerCare@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

New York Life Products Customer Care: (866) 949-6036 or NYCustomerVB@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

Yes, COVID-19 would be a covered illness, and benefits would be payable if you are unable to work due to having coronavirus. Benefits would begin after any policy elimination period, and once standard proof of loss documents are provided to Trustmark.

Also, we are offering a one-time benefit to help with the difficulties of COVID-19. If you can’t work due to contracting COVID-19 and have a claim approved with disability income before December 31, 2020, you will receive an additional one-time $250 Jump-Start benefit in addition to your regular disability benefits.

If you have COVID-19, disability claims are payable for up to 60-days while you are outside of our covered geographical areas. Covered areas are less than 40 miles outside the territorial limits of the United States, Canada, Mexico, Puerto Rico, the Bahama Islands, the Virgin Islands, Bermuda and Jamaica. After 60-days, you would need to return to the U.S. or the covered geographical areas to continue your claim.

Death due to COVID-19 would be evaluated the same way as for any other cause of death. It would not, however, qualify for an Accidental Death Benefit claim.

If your policy includes benefits for long-term care services and you need long-term care due to COVID-19, you may be eligible for benefits the same as you would for any other illness-causing inability to perform two activities of daily living, after the waiting period of 90-days.

Some Trustmark Accident coverage includes a wellness rider that pays benefits for routine physicals: two per person per year, up to 10 per family. The test for COVID-19 itself is not payable as a health screening or wellness benefit on a Trustmark Accident, Critical Illness, or Critical HealthEvents policy. However, under the Families First Coronavirus Response Act, testing for COVID-19 has been made available to American residents free of cost.

Yes, only certification of diagnosis from a physician is required. Benefits would begin after any policy elimination period, and standard proof of loss documents are provided to Trustmark. Also, if you can’t work due to contracting COVID-19, and have a claim approved with disability income before December 31, 2020, you will receive an additional one-time $250 Jump-Start benefit in addition to your regular disability benefits.

We apologize in advance that some customers may have received a lapse letter in error. This is an error that was caused by a technical issue during processing, which has been resolved. Rest assured that if you received a lapse letter after March 31, 2020, your policy has not lapsed, as we are giving all Voluntary Benefits policy owners a temporary 90-day payment grace period for premium payments (longer, if your state mandates additional time).

If you have any questions regarding a lapse letter you received, please contact our Customer Care team:

Customer Care: (800) 918-8877 or CustomerCare@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

New York Customer Care: (866) 949-6036 or NYCustomerVB@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

Trustmark will be giving all Voluntary Benefits policy owners a temporary 90-day grace period for premium payments (longer, if your state mandates additional time).

In addition, we are providing all policy owners an easy reinstatement option if you have been furloughed or temporarily laid off and request reinstatement before September 1, 2020. We will reinstate lapsed coverage without underwriting or evidence of insurability, and policy owners will not be required to pay back-premium owed. Incurred claims during the lapsed period will not be payable. If you choose to keep your coverage active during your furlough, contact us to discuss alternative payment methods.

Customer Care: (800) 918-8877 or CustomerCare@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

New York Customer Care: (866) 949-6036 or NYCustomerVB@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

Contact Us

Customer Care: (800) 918-8877 or CustomerCare@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

New York Customer Care: (866) 949-6036 or NYCustomerVB@trustmarkbenefits.com. Customer care professionals are available Monday through Friday from 7:00 a.m. to 6:00 p.m. CT.

Claims: (877) 201-9373 or ClaimContactVB@trustmarkbenefits.com. Claims professionals are available Monday through Thursday from 6 a.m. to 7 p.m. CT, Friday from 6 a.m. to 6 p.m. CT.

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.

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Stay informed about Coronavirus (COVID-19)

COVID-19 FAQs for Policy Owners

FAQs

Contact Us