Accidental Death/Dismemberment
A benefit that provides for the payment of a specified amount due to an accidental injury resulting in death or loss of sight.

Administrator
The person at the employer responsible for the administration of a group insurance plan. May also be referred to as the "plan administrator".

Anniversary
The annual renewal date of the Certificate of Insurance or Group Policy.

Beneficiary
The person or persons designated by the insured to receive the benefits of insurance upon his or her death.

Benefit
The amount payable by an insurer to a claimant, assignee or beneficiary under each coverage in the Certificate of Insurance or Group Policy.

Beneficiary Change Form
A form signed by an eligible person as notice of his or her desire to change the beneficiary.

Change Form
A form prepared by the plan administrator. The form lists each insured for whom there has been a change to the information previously reported on an enrollment form.

Claim
A demand by an insured person for the benefit provided by the Certificate of Insurance or Group Policy.

Class
A category within a division into which insureds are placed in order to determine benefits for which they are eligible under the Certificate of Insurance or Group Policy.

Contributory Plan
A group insurance plan under which the insured shares in the cost of the plan along with the employer.

Conversion Privilege
The right given to an insured to change his or her group insurance to a form of individual insurance, without medical examination, upon termination of his or her insurance under the Certificate of Insurance or Group Policy.

Coverage
The benefit or amount of insurance, stated in the Certificate of Insurance or Group Policy, for which the insured is eligible.

Decrease
The amount of coverage reduction caused by a change in classification due to attainment of a specified age, demotion, salary decrease, etc., as provided in the Certificate of Insurance or Group Policy.

Dependents
An insured's spouse (wife or husband not legally separated from the insured) and unmarried children who meet certain eligibility requirements.

Disability Income Insurance
A form of health insurance that provides for periodic payments when the insured is unable to work as a result of illness, disease or injury.

Division
A category within a group, commonly characterized as a billing location containing various classes.

Effective Date
The date on which insurance coverage goes into effect.

Eligibility Date
The date on which the employee meets all of the eligibility requirements outlined in the Certificate of Insurance or Group Policy and becomes eligible for insurance.

Eligibility Period
See waiting period.

Enrollment Form
A form signed by an eligible person as notice of his or her desire to participate in the group insurance plan.

Grace Period
A specified time period following the premium due date in which the payment of the premium can be made without penalty.

Group Number
A number assigned by Trustmark Group Benefits to identify each Certificate of Insurance or Group Policy.

Group Policy
A contract of insurance made with an employer or organization that covers their employees or members.

Increase
An increase in benefits that becomes effective for an insured or group of insureds as a result of a change in class.

Insured
The person (employee or member) who is covered by insurance provided within the Certificate of Insurance.

Insurer
The party to the Certificate of Insurance who promises to pay losses or benefits.

Life Insurance
Insurance that provides benefits to be paid to a beneficiary upon the insured's death.

List Bill
A report listing all insureds associated with a certain bill. This report includes active insureds, insureds whose coverages were terminated in the middle of a billing period and customers who are pending Trustmark approval.

Long-Term Disability
A form of disability insurance that provides benefits for long-term illness or injury.

Medical Insurance
Insurance that provides benefits to pay medical expenses incurred for illness or injury.

Non-contributory Plan
A group insurance plan under which the employer pays the entire cost, or the employee pays part or all of the cost with pre-tax dollars.

Premium
The periodic payment required in order to maintain a Certificate of Insurance or Group Policy in force.

Rate
The premium charged for each insured in a particular class.

Termination Date
The date on which insurance coverage ends for an employee and/or the employee's dependents no longer meet the eligibility requirements outlined in the Certificate of Insurance or Group Policy.

Trustmark administration
A method of administration under which Trustmark maintains the insurance records pertaining to the persons covered. The employer reports the changes that have occurred each month.

Volume
A method of premium payment used for life, AD&D or disability insurance.

Waiting Period
The period of time that must elapse before an employee is eligible for insurance coverage. The waiting period is specified in the Certificate of Insurance or Group Policy.

Waiver of Premium
A provision for keeping a person's insurance in force without further payment of premium, under certain circumstances.