Voluntary Benefits

Stay informed about Coronavirus (COVID-19)

COVID-19 FAQs for Policy Owners

Like many others, Trustmark is continuing to monitor the COVID-19 pandemic while closely 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:

Provided at least a 90-day premium grace period for all policy owners at the start of the pandemic, and Trustmark is now working to ensure adequate notices are sent to policy owners who are in danger of lapsing and offering the opportunity to pay the necessary premium.
Providing an easy reinstatement option if you have been furloughed or temporarily laid off and request reinstatement before July 1, 2021.
Providing an additional one-time $250 Jump-Start benefit if you can’t work due to contracting COVID-19 and qualify for disability benefits before July 1, 2021.

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. 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, a letter may be received with this information regarding the necessary premium due before the policy lapses. 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 July 1, 2021, 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 July 1, 2021, you will receive an additional one-time $250 Jump-Start benefit in addition to your regular disability benefits.

Yes, but at the start of the COVID-19 pandemic, Trustmark provided at least a 90-day grace period for premium payments to accommodate policy owners. 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, a letter may be received with this information regarding the necessary premium due before the policy lapses.

At the start of the COVID-19 pandemic, Trustmark provided at least a 90-day grace period for premium payments to accommodate policy owners. For that reason, we have not contacted policy owners to require past-due premium until recently.

Letters are being sent to policy owners whose regularly scheduled premium payment has not been received and may be in danger of terminating.

To keep your coverage in good standing, we ask that payment is remitted within 30-days of receiving your letter.

If you have any questions, 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 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.

At the start of the COVID-19 pandemic, Trustmark provided at least a 90-day grace period for premium payments to accommodate policy owners. Depending on your state requirements, and if you are behind on your premium, a letter may be received with this information regarding the necessary premium due before the policy lapses.

Trustmark put furloughed employees on direct bill, and as we hear from employers of your return to work, Trustmark is now working to ensure adequate notices are sent to policy owners about returning to payroll deduction:

If your policy has been paid to date, coverage remains continuous, and there is nothing you need to do, as your payroll deductions will resume shortly.

If no payment was made during your furlough, we are allowing for a gap in coverage for the timeframe you were furloughed and did not pay the needed premium. This means you are not eligible to file claims for that timeframe.

If your policy was behind in payments before the COVID-19 pandemic and no payment was made during your furlough, we are allowing for a gap in coverage for the timeframe you were furloughed and did not pay the needed premium. This means you are not eligible to file claims for that timeframe.

However, if you would like to pay the necessary premium to ensure there is no gap in coverage, contact our Customer Care professionals within 30-days from the date of receiving your letter.

Additionally, because your policy was behind in premium before the COVID-19 pandemic and we know these are unprecedented times, we want to allow you time to return to some level of normalcy. Therefore, we will reach out to you at a later date concerning the past-due premium needed to bring your valuable coverage current. If you would prefer to bring your coverage current now, contact our Customer Care professionals to make a payment.

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.

Contact Us

Customer Care: (800) 918-8877 or send a message to the Customer Care team. Customer care professionals are available Monday through Friday from 7 am to 6 pm CT.

New York Universal Life Policies Customer Care: (866) 949-6036 or send a message to the NY Customer Care team. Customer care professionals are available Monday through Friday from 7 am to 4 pm CT (8 am to 5 pm ET).

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

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