The perks to offering voluntary benefits:

Enhances your benefits package, giving employees the ability to tailor their benefit selections to meet their needs. And it comes at no cost to you.

Gives you an opportunity to spread awareness about your corporate initiatives (e.g., HDHPs, dependent audit or 401(k) enrollment) alongside the standard benefits education.

Gives your employees financial security, no matter where they are employed in the future.

Eliminates existing coverage gaps, so you have a well-rounded benefits portfolio to attract and retain talent.

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Reduces worker’s compensation costs.In 2012, employers paid $83.2 billion in worker’s compensation costs.1 Disability income insurance helps alleviate these potentially massive costs to an employer. In fact, 55 percent of large companies experienced a reduction in cost when offering DI.2

Instead of relying on worker’s compensation, DI serves as a tool to help cover the gaps in income when an employee is unable to work. It’s a perfect solution since employees can have the protection they need and employers are able to keep costs down.

Financial security from DI helps boost productivity.The financial security of your employees has a direct impact on their productivity. One survey found that one in four respondents reported having to take time off during work to deal with financial issues.3 With more than 70 percent of households relying on two incomes to make ends meet, DI to protect employees’ income helps make sure employees aren’t faced with these financial challenges which disrupt productivity.4

You care. We listen.

Why Disability Income insurance?Employees appreciate disability income (DI) insurance for its ability to protect one of their most valuable assets: their income.Employers appreciate DI as well because it helps them offer competitive benefits while keeping costs down. With voluntary DI, you have a no-cost solution for employee protection that offers perks for employers as well.

1 Worker’s Compensation: Benefits, Coverages and Costs 2012. National Academy of Social Insurance. 2014. 2 “Rumor confirmed: Accident, Disability insurance can reduce worker’s compensation claims.” Producersweb.com. April 2014. 3 “Offering benefits may be key to keeping employees.” August, 2012. Business News Daily. 4 LIMRA’s life insurance consumer studies, 2010 Disability Insurance Awareness Month

©2017 Trustmark Insurance Company, Lake Forest, Illinois A112-1684 (4-17)P

*Not applicable beyond maximum benefit period.

The Trustmark Companies provide a wide range of employee benefits to improve well-being through better health and greater financial security.Underwritten by Trustmark Insurance Company | Rated A- (EXCELLENT) A.M. Best | 400 Field Drive | Lake Forest, Illinois 60045 | trustmarksolutions.com

For more information, contact your broker or a member from our sales team. Visit us at trustmarksolutions.com.

You care. We listen.

Why Trustmark’s Disability Income insurance? • Benefits are paid on the employee’s regular pay-cycle, whether that’s weekly,

bi-weekly or monthly. • After 90 days of disability, Trustmark waives premium for as long as the

disability continues.* • Level premiums based on the employees issue-age for as long as the policy

remains active. • Flexible benefits offer payments for employees during pregnancy or complications

of pregnancy. • Simplified solutions mean some can qualify for guaranteed issue policies and

a waiver of pre-existing condition limitations. • Fully portable benefits allow employees to keep their policy even if they change

jobs or retire.

Innovative SolutionsTrustmark designs innovative voluntary benefit solutions to provide valuable insurance protection that fills gaps in coverage to provide employees with greater financial security. Our commitment to tailoring our solutions around the needs of our customers means we offer the best possible protection for our policyholders.

Exemplary ServiceWe provide exemplary service to address the challenges that can come with offering and managing benefits. From employee communication, to billing, to benefits administration, our clients have come to expect responsive, trustworthy service to help simplify their benefits offering.

Trusted PartnerWith more than 100 years of success in the voluntary benefits industry, we know what it takes to deliver results. At Trustmark, our focus is on using that experience to establish a foundation of trust and develop long-lasting, deep relationships with our clients.

The Trustmark Difference