How does Accident coverage affect my health insurance?
It works in addition to your health insurance! Trustmark doesn’t check your other coverage, and we pay you directly, so you’ll get your full benefit even if your medical insurance pays the entire cost of your care.
Does Accident cover incidents that occur during the workday/at work?
Accident insurance isn’t worker’s compensation, but some employers offer our coverage in addition to their worker’s compensation program.
Many employers offer off-the-job (“non-occupational”) coverage, which covers accidents outside of work, as well as accidents that happen at your work location, but that aren’t caused by the actual duties of your job. Other employers offer 24-hour coverage, which covers accidents no matter when or where they happen. Ask your benefits representative or an enroller to find out which plan you’re being offered.
How are my benefits affected by worker’s compensation?
Your benefits aren’t affected! Trustmark doesn’t coordinate with any other payers, and we pay you directly, so if you have 24-hour coverage and have a covered injury at work you will get your full benefit even if your worker’s compensation pays the entire cost of your care. It’s important to know that accident insurance isn’t worker’s compensation and doesn’t replace it.
How long will it take Trustmark to handle my claim?
We will typically process your claim within two days of receiving the documentation we need.
What can I spend my benefits on?
Anything! We pay you directly, so you can use the money for anything you want.
Still need more details? Keep exploring this site, or get in touch with your benefits representative to get everything you need to make the right choice for you and your family.
