Long-Term Disability (LTD) Insurance

Paycheck Insurance for When You Can't Work
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Long-Term Disability (LTD) Benefits

The Long-Term Disability (LTD) Insurance plan, administered by Matrix, provides income protection if you become disabled and cannot work due to an illness or injury that lasts for more than 90 days.

LTD Insurance Plan Highlight Sheets

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What the Plan Costs

Age
Monthly Rate (per $100 of coverage)
Biweekly Rate (per $100 of coverage)
25-29
$.130
$.060
30-34
$.219
$.101
35-39
$.349
$.161
40-44
$.546
$.252
45-49
$.832
$.384
50-54
$1.00
$.462
55-59
$1.16
$.535
60+
$1.25
$.577

Eligibility & Coverage

Eligibility Percent of Earnings Replaced Maximum
Management & Salaried Team Members
All Full-Time U.S. Salaried Team Members are provided with LTD coverage at no cost. You are automatically enrolled once you become eligible. Pre-existing conditions are not covered under the LTD plan. 60% of your weekly earnings. Up to $7,500 per month.
Hourly Team Members
All full-time U.S. Hourly Team Members can buy Long-Term Disability (LTD) coverage. You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. If you don’t enroll when first eligible, you will need to provide Evidence of Insurability (EOI) to qualify for coverage. Your coverage will not be effective until approved by Reliance Standard. 60% of your weekly earnings. Up to $5,000 per month.

Pre-Existing Condition Limitation

The LTD plan includes a pre-existing condition limitation. You qualify as having a pre-existing condition if both statements below are true:

  1. You received medical treatment, consultation, care or services, including diagnostic measures, or took prescribed drugs or medicines, or followed treatment recommendations in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available; or you had symptoms for which an ordinarily prudent person would have consulted a health care provider in the three (3) months just prior to your effective date of coverage or the date an increase in benefits would otherwise be available.
  2. Your disability begins within 12 months of your effective date of coverage.

Video Overview of Leave, Disability & Voluntary Benefits

Request Leave

Get Support

For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.

Open the Knowledge Zone

File Your Claim(s) Online with Reliance Matrix

Guidance for Filing Claims with Reliance Matrix

How-To Guides

Important Note About Claims for Kaiser Members

Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.

  1. Reliance Matrix will provide you with the authorization release form to sign and return.
  2. This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
  3. Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.

Resources

Reliance Matrix

Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance

Contact

Phone: 1-800-351-7500