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Questions about income protection? We're here to help you understand your options.
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Questions?
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What does Cushion actually do?
Cushion protects your income from layoffs. We provide private, portable income-continuity protection that pays out up to 60% of your income for up to 5 months after an involuntary job loss.
Who is Cushion for?
Employed professionals who want to protect their income from the financial risk of a layoff — especially high earners whose state unemployment benefits would cover only a fraction of their monthly obligations.
Is Cushion real insurance?
Yes. Cushion is income protection underwritten through licensed surplus-lines insurers. It is not a template or a demo — it is a real financial product designed to pay out when you are laid off.
Can I customize my coverage?
Yes. You can select a target replacement rate of 40%, 50%, or up to 60% of your verified gross income, for up to 5 months of coverage.
Is there a waiting period?
Yes — a 120-day vesting period. This protects the member pool by ensuring people cannot buy coverage after learning a layoff is imminent.
Who is behind Cushion?
Cushion was founded by a team that watched talented professionals get blindsided by layoffs and set out to build a private-market safety net.
How is Cushion different from state unemployment?
State unemployment is a baseline safety net that typically covers less than 15% of a high earner's monthly obligations. Cushion pays out alongside state benefits to keep your full lifestyle funded.