Accident Insurance | Voluntary Benefits
Trustmark Accident Insurance

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How It Works

Trustmark’s Accident insurance helps pay for unexpected healthcare expenses due to non-occupational accidents that occur every day. Accident insurance provides benefits due to covered accidents for initial care, injuries, and follow-up care. Benefits are paid directly to the employee, in addition to any other coverage they have.

Who is eligible?

  • Employees – Ages 18 to 80, actively working full-time
  • Spouses – Ages 18 to 80, who are not disabled
  • Children – Birth to age 26, who are unmarried and dependent

Accidental death benefit

  • Provides a lump-sum benefit for an accidental death that occurs within 90 days of a covered accident:
  • Pays $100,000 for the insured, $50,000 for the spouse and $25,000 for a child.
  • The benefit doubles if the accidental death is due to a common carrier.

Catastrophic accident benefit

  • Helps families during the transitional period following a catastrophic loss:
    • Provides a lump-sum benefit for catastrophic loss after fulfilling a 90-day elimination period.
    • Pays $150,000 for the insured, $75,000 for the spouse and $75,000 for a child.

A catastrophic loss is the loss of use of sight, hearing, speech, arms or legs.

Wellness Benefit
Promotes good health among employees and their families by providing them a $100 benefit to offset the cost of going to the doctor for routine physicals, immunizations, and health screening tests, regardless of other coverage. The benefit provides a maximum of two visits per person, annually. (A 60-day waiting period applies.)

Eligible tests include:

  • Low-dose mammography
  • Pap smear for women over age 18
  • Flexible sigmoidoscopy
  • Hemoccult stool specimen
  • Colonoscopy
  • Prostate-specific antigen (PSA) test for prostate cancer
  • Stress test on a bicycle or treadmill
  • Fasting blood glucose test
  • Blood test for triglycerides
  • Bone marrow testing
  • Serum cholesterol test to determine HDL and LDL levels
  • Breast ultrasound
  • CA 15-3 (blood test for breast cancer)
  • CA 125 (blood test for ovarian cancer)
  • CEA (blood test for colon cancer)
  • Chest X-ray
  • Serum protein electrophoresis (blood test for myeloma)
  • Immunizations
  • Themograph

To file a Wellness Claim: Visit to obtain the Trustmark Wellness Claim form. It is located under the Forms link.