PayCushion is building a patent-pending financial protection platform for workers facing job loss. The model is designed around essential expense coverage, unemployment disruption, and the growing demand for financial wellness benefits — a fintech and insurtech opportunity in unemployment income protection.
PayCushion has trademark and patent applications pending with the USPTO. Application status does not guarantee approval, registration, or patent issuance.
165M+
Eligible US workers
W-2, gig, freelance & contract
Patent
Patent-pending platform
USPTO application filed
$0
Direct competitors
No comparable product exists today
24 mo
Benefit duration
Up to $6,000/month after job loss
PayCushion is a membership-based income protection program — not a traditional insurance product — designed to help Americans cover essential living expenses after involuntary job loss. Members enroll while employed, and if they experience a layoff, company closure, or position elimination, PayCushion provides direct monthly cash payments to bridge the gap after state unemployment benefits end.
The platform is built for the modern workforce: W-2 employees, gig workers, freelancers, and contract workers who have historically been left without a reliable income safety net. PayCushion's patent-pending concept is designed to deliver income replacement after a layoff in a simple, transparent, membership model.
Key Facts
State unemployment benefits alone are not enough to cover essential living expenses after a layoff.
State unemployment replaces only a fraction of prior income — often too little to cover rent, groceries, and bills.
Millions of freelancers and contract workers have no employer safety net and inconsistent access to state benefits.
Despite massive demand, there is no direct membership-based job loss protection platform on the market today.
A large, underserved market with growing demand for financial wellness benefits and recession-resilient protection.
Nearly the entire US workforce — W-2, gig, freelance, and contract workers — represents the addressable market for income protection.
Membership pricing from $149–$279/month with low expected churn creates predictable, compounding revenue.
No comparable membership-based job loss protection platform exists today — a first-mover opportunity in fintech unemployment protection.
Job loss protection as an employee benefit is an emerging category alongside financial wellness and recession-resilient benefits.
Why This Market Now
PayCushion is building a patent-pending income protection platform and a trademark-pending financial protection brand. The company has applications pending with the United States Patent and Trademark Office (USPTO).
Approved Language
Not Used Until Approved
PayCushion has trademark and patent applications pending with the USPTO. Application status does not guarantee approval, registration, or patent issuance.
A transparent, membership-based model designed for predictable recurring revenue and low churn.
$3,500/mo
for up to 12 months
$4,500/mo
for up to 18 months
$6,000/mo
for up to 24 months
Members pay a fixed monthly premium while employed. Revenue compounds as membership grows, while benefit payouts are gated by waiting periods and reserve requirements. This creates a recurring revenue stream with a structural margin between dues inflow and approved benefit outflow.
Economic shifts, workforce changes, and a gap in the market make this the right time for a patent-pending job loss protection platform.
High-profile reductions across multiple sectors have made income disruption a top financial fear for American workers.
Tens of millions of gig and freelance workers now need income protection but have no employer-provided safety net.
Employers are actively seeking recession-resilient benefits to offer workers, creating a B2B channel alongside direct-to-consumer growth.
The absence of a direct job loss protection platform means a first mover can establish brand and patent positioning before others enter.
PayCushion is income protection for the modern workforce.
PayCushion is a membership-based income protection program designed to support workers after an involuntary job loss. Members pay a monthly fee while employed. If they lose their job due to a layoff, company closure, position elimination, or reduction in force, PayCushion pays monthly cash benefits after state unemployment benefits are exhausted.
Eligible members can receive up to $6,000 per month for up to 24 months, helping bridge the financial gap that traditional unemployment benefits often leave behind.
We are not currently accepting investments through this page, but we may pursue a regulated investment offering in the future. Join the PayCushion investor interest list to receive company updates, launch timing, and information about any future investment opportunity if one becomes available.