Voluntary Benefits

Trustmark Paycheck Protect - Disability insurance

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.
Disability insurance to protect your income

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.

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.
Employee with disability insurance files a claim to help cover a percentage of his paycheck after his injury