What is income protection and why do workers need it?
Income protection is a financial safety net that helps workers replace lost income after an unexpected job loss. For many Americans, state unemployment benefits are too small, too slow, or unavailable based on work type.
Key takeaways
W-2 employees, freelancers, gig workers, and contractors often need a safety net beyond state unemployment.
Income protection helps families keep paying rent, groceries, utilities, transportation, and debt payments after a job loss.
PayCushion is designed as a membership-based income protection program, not insurance.
Members can plan for direct monthly cash support after qualifying involuntary job loss events.
Why unemployment benefits may not be enough
Traditional unemployment systems were built around full-time W-2 employment. But today, millions of Americans earn income through gig work, freelance contracts, small businesses, hourly jobs, and mixed income streams. A sudden layoff or contract loss can create a cash-flow crisis before government benefits arrive.
How PayCushion fits into the safety net
PayCushion is building a membership-based program for workers who want more predictable income support after involuntary job loss. The goal is simple: help people keep paying essential expenses while they search for their next opportunity.
Who should think about income protection?
Workers with rent or mortgage obligations, dependents, car payments, student loans, medical bills, or limited emergency savings should consider how long they could stay financially stable if income suddenly stopped.
Help build the worker safety net
Join the PayCushion investor interest list for company updates and launch timing.