1. Disability Income Insurance
Case Name Date: Date Goes Here

2. Short Term Disability Income Coverage
Disability types:
Sickness disability
Non-occupational injury disability
Disability due to pregnancy (when disability begins 10 months after the effective date)
Disability due to complications of pregnancy
Guaranteed renewable to age 72
There is no coverage for mental or nervous conditions

3. Total Disability/ First 12 Months
Total disability is where the insured is:
Unable to work at his or her SPECIFIC JOB; and
Not, in fact, working at his or her PLACE OF EMPLOYMENT for pay or benefits, and is
Under a doctor’s care for the covered injury or sickness causing such total disability
There are no benefits for partial disability
Benefits are payable for only one disability at a time

4. Portability
The employee can keep coverage regardless of employment or changing jobs as long as the premiums are paid and first deduction is taken
No change in premium rates
No change in benefits

5. Premium Rates Unisex - same rates for males & females
Uni-tobacco - same rates for tobacco users and non-tobacco users
Rates are level and do not change as the employee gets older
Age Banded:

6. Plan Design Elimination Period: 0 Days for Accident
7 Days for Sickness
Benefit Period:
6 Months
Disability benefits are paid on the same frequency as payroll

7. Benefit & Underwriting
Up to 60% of gross salary may be covered
Up to $6,000 monthly benefit
Guaranteed issue up to $3,000 monthly benefit
Participation requirements may apply

8. For More Details, Contact Your Trustmark Representative Today.
Disability Insurance is underwritten by Trustmark Insurance Company, Lake Forest, Illinois. Benefits are subject to terms and conditions of the policy certificate issued to you. Coverage may vary by state.
For complete details of coverage including exclusions and limitations, refer to Plan DI-902.