Choose your membership tier (Essential, Standard, or Premium) and sign up while you're working. Enrollment takes minutes and activates your income protection safety net.
A short waiting period applies after enrollment before your full benefits are active. This keeps the program sustainable and affordable for all members.
If you experience an involuntary job loss — a layoff, company closure, or position elimination — file a claim. PayCushion verifies your eligibility and begins benefit payments.
After your state unemployment benefits end, PayCushion pays you up to $6,000/month for up to 24 months — directly to you, to cover essential living expenses while you find your next role.
PayCushion is a membership-based income protection program. Trademark and patent applications are pending with the USPTO.
W-2 employees, gig workers, freelancers, and contract workers can all enroll while employed.
Monthly payments begin after your state unemployment benefits end, bridging the gap until your next role.
Three tiers from $149–$279/month. No hidden fees, no complicated underwriting.
Each enrollment passes a reserve floor check to keep the program financially sustainable for all members.
If a layoff happens, file a claim. PayCushion verifies eligibility and begins your benefit payments.