2022 | Accident Insurance | Voluntary Benefits
Trustmark Accident Insurance

Highlights

  • Coverage for non-occupational injuries
  • Guaranteed issue – No medical questions
  • Level premiums – Rates do not increase with age
  • No limitations for pre-existing conditions
  • Guaranteed renewable – Coverage remains in force for life, as long as premiums are paid
  • Portable coverage – Employees can continue coverage if they leave their job or retire

Only Available During Open Enrollment

Print this page

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.

Contact

More Policy Information

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 www.duvalschools.org/benefits to obtain the Trustmark Wellness Claim form. It is located under the Forms link.