Benefit Extras & Discounts
Additional Benefits for Team MembersAdditional Benefits
Benefit Extras for You & Your Family
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Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) is a free and confidential resource available for you and your family — even if you’re not enrolled in a benefit plan through Michaels.
For more information, visit the links below or call 1-800-283-5645.
Paid Parental Leave (PPL)
All U.S. full-time exempt Team Members are eligible for Paid Parental Leave (PPL) to support families after the birth, adoption, surrogacy, or legal placement of a child.
The PPL policy covers birthing mothers and all legal non-birthing parents, including dads and domestic partners.
For more information, visit the link below.
Short-Term Disability (STD) Insurance
Michaels has enhanced our Short-Term Disability (STD) Insurance program for exempt U.S. Team Members to provide a 100% base pay replacement while on short-term disability. This improvement ensures that exempt Team Members do not experience a reduction in pay while they are unable to work due to an illness or medically-required absence.
Get More Information
Adoption Assistance
Interested in adoption? You may be eligible for adoption assistance! Michaels will reimburse you up to $5,000 per adoption to help cover adoption fees, attorney fees, court costs, travel expenses, medical fees for the child, and temporary foster care.
To apply for adoption assistance, you must meet all criteria outlined in the Adoption Assistance Policy and complete the necessary form within six (6) months of the finalization of the adoption.
Get More Information
Call Team Member Services at 1-855-432-MIKE (6453).
Tuition Assistance
Michaels offers tuition assistance to help you pay a portion of the cost of your college tuition, or language programs for professional and personal development. Most Team Members are eligible to receive up to $2,000 per year in tuition assistance.
To determine whether you meet the eligibility requirements, please refer to the criteria outlined in the Tuition Reimbursement Policy. To apply for tuition assistance, you must complete the necessary form and obtain written approval from your Supervisor.
Get More Information
Call Team Member Services at 1-855-432-MIKE (6453) or log in to the Knowledge Zone, select “Human Resources”, and then select “Tuition Assistance”.
Refer to the “Savings & Discounts” section for information on tuition discounts available at several online universities.
Team Member Discount Card
As a Team Member at the best place for all things creative, you and your immediate family* can decorate your space or get ready for your next creative project with:
- 30% off regular-priced and sale-priced items at all Michaels Stores.
- 70% off custom framing purchased at all Michaels Stores.
Just check out with a Team Member and present your Discount Card to benefit from the savings.
Depending on your position, you will receive your Discount Card either by mail or from your Supervisor.
*Immediate family members must live with the Team Member to qualify for the discount. Standard Coupon Exclusions apply. Visit Michaels.com for details.
IdentityWorks Identity Protection
If you enroll in a Blue Cross and Blue Shield of Texas (BCBSTX) medical plan, you can enroll in no-cost identity protection services for you and your family through IdentityWorks.
IdentityWorks checks for signs that you might be at risk for identity theft, with multiple levels of vital detection and support. They also offer daily credit monitoring and alerts, a U.S.-based Fraud Resolution Team, identity theft insurance, your Experian credit report, and safeguards for your minor children. The program closely monitors your personal information and alerts you to new activity in your name. In the case of a breach, IdentityWorks can help you recover.
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Employee Assistance Program (EAP)
The Employee Assistance Program (EAP) is a free and confidential resource available for you and your family — even if you’re not enrolled in a benefit plan through Michaels.
For more information, visit the links below or call 1-800-283-5645.
Adoption Assistance
Interested in adoption? You may be eligible for adoption assistance! Michaels will reimburse you up to $5,000 per adoption to help cover adoption fees, attorney fees, court costs, travel expenses, medical fees for the child, and temporary foster care.
To apply for adoption assistance, you must meet all criteria outlined in the Adoption Assistance Policy and complete the necessary form within six (6) months of the finalization of the adoption.
Get More Information
Call Team Member Services at 1-855-432-MIKE (6453).
Tuition Assistance
Michaels offers tuition assistance to help you pay a portion of the cost of your college tuition, or language programs for professional and personal development. Most Team Members are eligible to receive up to $2,000 per year in tuition assistance.
To determine whether you meet the eligibility requirements, please refer to the criteria outlined in the Tuition Reimbursement Policy. To apply for tuition assistance, you must complete the necessary form and obtain written approval from your Supervisor.
Get More Information
Call Team Member Services at 1-855-432-MIKE (6453) or log in to the Knowledge Zone, select “Human Resources”, and then select “Tuition Assistance”.
Refer to the “Savings & Discounts” section for information on tuition discounts available at several online universities.
Team Member Discount Card
As a Team Member at the best place for all things creative, you and your immediate family* can decorate your space or get ready for your next creative project with:
- 30% off regular-priced and sale-priced items at all Michaels Stores.
- 70% off custom framing purchased at all Michaels Stores.
Just check out with a Team Member and present your Discount Card to benefit from the savings.
Depending on your position, you will receive your Discount Card either by mail or from your Supervisor.
*Immediate family members must live with the Team Member to qualify for the discount. Standard Coupon Exclusions apply. Visit Michaels.com for details.
Discounts
Exclusive Perks for Michaels Team Members
PerkSpot Holiday Savings
- AAA
- Child Care
- Computers & Electronics
- PerkSpot
- Finances
- Fitness
- Hotels
- Phone Services
- Pet Insurance
- Skechers
- Tuition Assistance
Michaels Team Members can join AAA for $55 and, when enrolling in automatic renewal, get two free first-year memberships for eligible family members. AAA membership benefits include:
24-Hour Roadside Assistance: Peace-of-mind in any car at any time, free towing, free tire change, free lock-out service, and free battery jump-start.
Off-the-Road: Shopping discounts at nearly 95,000 locations, free identity theft protection, and exclusive savings and special benefits from a full service leisure travel agency.
Plus, get a free $10 gift card of your choice!
Get More Information
Michaels Team Members can save 10% at KinderCare Learning Centers and Champions After-School and Summer Program locations throughout the U.S.
- Try KinderCare for a Day — 100% Free (available through Dec. 31, 2024)
- Tuition Benefit Overview
- KinderCare Newsletter
- Child Care Program Agreement
For more information, call 1-877-914-7683 or visit Care is Everywhere. To receive this discount, present your pay stub or company ID at your local center.
Dell
Team Members can save from 7-12% off laptops, PCs, TVs, electronics and more. For more information log in to the Member Purchase Program (Member ID: PS58829377).
Lenovo
Team Members can save up to 50% off PCs, tablets, accessories, and more. You will receive free shipping on all orders, and multiple payment methods are available.
To browse current deals, log in to PerkSpot. To enter the Lenovo Employee Purchase Program, use the password PERK$2022.
PerkSpot is a one-stop online shop with exclusive discounts that help you save money with many of your favorite national and local merchants! It’s completely free and optimized for use on any device through the PerkSpot app and using the PerkSpot Chrome extension.
Visit michaels.perkspot.com to access thousands of deals and discounts in more than 25 different categories, updated daily, and sign up to receive new featured discounts in PerkSpot’s weekly email.
Get More Information
Michaels offers all U.S. Team Members the opportunity to join one of two partnered credit unions.
Advantages of using a credit union include direct deposit, free ATMs at thousands of locations, affordable home and car loans, pet insurance, and online access to bill payment, and open transfers. Credit unions provide financially-smart options like reasonable interest rates for car loans, plus tools and resources to help you manage your money wisely.
Get More Information
Corporate America Family Credit Union (CAFCU): Call 1-800-359-1939 or visit cafcu.org/michaels.
Advancial Credit Union: Call 1-800-322-2709 or visit advancial.org.
Michaels partners with Active&Fit Direct, Brick Bodies, Camp Gladiator, and HUSK/Global Fit to offer fitness center discounts to all Team Members, which include:
- low (or no) initiation fees, depending on the center,
- discounted monthly dues and add-ons, like personal training, childcare, etc., and
- access to hundreds of locations across the U.S. and Canada.
Active&Fit Direct
You have free access to 200 online workout videos before you even enroll. Monthly membership starts at $25 per month, plus a $25 enrollment fee. Once enrolled, you can also enroll your spouse or domestic partner.
Brick Bodies
Join on your first visit with $0 enrollment and get four weeks free!
HUSK Marketplace (formerly GlobalFit)
Visit marketplace.huskwellness.com for a list of gyms that you can visit, including LA Fitness, Anytime Fitness, and more. Then, join a gym by signing up online or calling 1-800-294-1500.
Camp Gladiator
Team Members can save 5% on a monthly Camp Gladiator boot camp membership with unlimited access to all locations. Tell the instructor you are a Michaels Team Member when you sign up onsite at the boot camp. Visit campgladiator.com for locations.
Hilton Family Hotels
Michaels Team Members are eligible for the Blackstone corporate rate at Hilton Hotels, Doubletree Hotels, Hilton Garden Inn, Homewood Suites, Hampton Inn, and Embassy Suites. Visit hilton.com or call 1-800-HILTONS (1-800-445-8667) and use the corporate account number. For Hilton, Conrad, Hilton Garden Inn, and Waldorf, use corporate account #N9884564. For Doubletree, Homewood Suites, Hampton Inn, and Embassy Suites, use corporate account #560023331.
Best Western Hotels
Michaels Team Members can go online at bestwestern.com or call 1-800-WESTERN and use discount code #01526650. Discounts may vary by location.
Red Roof Inn
Michaels Team Members can visit redroof.com or call 1-800–REDROOF and use discount code #606094. Discounts may vary by location.
AT&T
Michaels Team Members are eligible for a 23% discount on qualifying monthly services from AT&T. Mention FAN: 41028 to receive the discount. For more information and to shop online, visit this link: AT&T Signature Program for Michaels Employees.
ASPCA
Michaels Team members are eligible for a 10% discount on pet insurance through the ASPCA. To learn more and sign up, call (877) 343-5314 or visit this link: ASPCA Pet Insurance for Michaels Employees.
Michaels partners with SKECHERS to offer Team Members a 30% discount on slip-resistant work shoes and corporate casuals.
Shop for Shoes
You can get your SKECHERS shoes two ways:
- Shop Online. No promo code is required: just shop and save with free shipping and free returns.
- Shop at a SKECHERS retail store. Show your program flyer or mention Retail Code: JB2 and show your Michaels ID to get exclusive pricing on selected styles. Use the Store Locator to find a SKECHERS store near you.
Friends & Family Events
During Quarterly Friends & Family Events, you can use your 30% discount on everything from SKECHERS, and buy shoes for your family and friends. Watch for exclusive discounts throughout the year on more than 3,000 styles for men, women, and kids, from performance footwear to lifestyle casuals, fashion styles and more!
Get More Information
Colorado Technical University
You and your immediate family members are eligible to receive a 15% tuition discount at Colorado Technical University. CTU offers more than 100 undergraduate and graduate degree programs. For more information, go to coloradotech.edu/ptnrs/michaelscompanies or call 1-866-897-1560.
University of Phoenix
You are eligible for a 15% discount for on-campus or online classes. Tuition is waived for every 6th course for Team Members that enroll in a degree, certificate, or single credit bearing course, and complete 5 courses. The $99 fee for a Prior Learning Assessment (PLA) is also waived. The PLA can help you save money and graduate faster by having on-the-job training, workplace certifications, military service and experiences evaluated for college credit. Go to www.phoenix.edu/michaels or call 1-866-354-1800 for more information.
University of Dallas Master’s Program
The University of Dallas offers Team Members a special tuition rate of $1,000 per credit hour (about a 20% scholarship) for the Satish & Yasmin Gupta College of Business. The college is accredited by the AACSB and offers several graduate business degrees and certificates online or at the Irving, TX campus. For more information about the program’s opportunities click here or visit udallas.edu/michaels.
WGU
WGU offers Team Members in all U.S. states a 5% tuition discount for up to four terms, as well as the ability to apply for the Institutional Partners Fund Scholarship, valued at up to $2,000. Current students can also receive the discount on next and subsequent terms. WGU offers online accredited degree programs in business, information technology, teacher education and health professions (including nursing). For more information about furthering your education with this discount, visit texas.wgu.edu/michaels.
Health Reimbursement Account (HRA)
Pay for eligible health care expenses tax-free.What is an HRA?
An account with tax-free dollars that helps pay for eligible out-of-pocket medical expenses.
Who contributes?
Michaels
How much can I contribute?
You may not contribute to the account.
What can I use it for?
Your account is automatically debited when you receive covered medical services, typically applied to your deductible.
Does it roll over from year to year?
Yes, until you’re no longer enrolled in a Michaels HRA plan.
How do I access my account?
Your account is automatically debited when you receive covered medical services.
Is the company money deposited all at once?
Yes. You receive the full company contribution at the beginning of the plan year.
Additional Resources
Kaiser HRA FAQ
Provider
Are you full time or part time?
Your benefits are dependent on your full time or part time status. Please select your status, so we can tailor your benefits just for you.
Voluntary Critical Illness Insurance
Voluntary Critical Illness Insurance
Plan Information
Critical Illness Insurance, administered by Reliance Matrix, provides financial assistance if you are diagnosed with a covered disease. You’ll receive a lump-sum payment that can be used for anything you need; even if it’s not related to your illness.
If you are newly eligible to enroll in benefits, you can elect Critical Illness Insurance coverage up to the Guarantee Issue without answering any health questions. Otherwise, you will be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
Voluntary Critical Illness Insurance Plan Highlights: English |Â Spanish
Critical Illness Insurance, administered by Reliance Matrix, provides financial assistance if you are diagnosed with a covered disease. You’ll receive a lump-sum payment that can be used for anything you need; even if it’s not related to your illness.
If you are newly eligible to enroll in benefits, you can elect Critical Illness Insurance coverage up to the Guarantee Issue without answering any health questions. Otherwise, you will be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
Voluntary Critical Illness Insurance Plan Highlights: English |Â Spanish
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Coverage Tiers & Benefits
| Coverage Tier | Benefit |
|---|---|
| You Guarantee issue $30,000 | $10,000–$50,000 (in $10,000 increments) |
| Your Spouse/Domestic Partner Guarantee Issue: $15,000 | $5,000–$25,000 (in $5,000 increments) up to Team Member coverage amount |
| Your Child(ren) up to Age 26 Guarantee Issue: $25,000 | 50% of Team Member coverage amount, up to a maximum of $25,000 |
Examples of Covered Conditions
| Benefit | Adults | Children |
|---|---|---|
| 100% covered | Alzheimer's Disease Coma Heart Attack Life Threatening Cancer Loss of Hearing Loss of Sight Loss of Speech Major Organ Failure Motor Neuron Disease (ALS) Multiple Sclerosis Paralysis Parkinson's Disease Stroke | Cerebral Palsy Cleft Lip or Palate Cystic Fibrosis Downs' Syndrome Muscular Dystrophy Spina Bifida Type 1 Diabetes |
| 50% covered | Severe Brain Damage | N/A |
| 25% covered | Benign Brain Tumor Carcinoma In Situ Coronary Disease Ruptured Cerebral, Carotid, or Aortic Aneurysm | N/A |
| 5% covered | Skin Cancer | N/A |
Biweekly Plan Costs
| Age | Team Member Rate per $1,000 of Coverage | Spouse/Domestic Partner Rate per $1,000 of Coverage |
|---|---|---|
| 0-29 | $0.069 | $0.069 |
| 30-34 | $0.102 | $0.102 |
| 35-39 | $0.157 | $0.157 |
| 40-44 | $0.254 | $0.254 |
| 45-49 | $0.870 | $0.870 |
| 50-54 | $0.595 | $0.595 |
| 55-59 | $0.840 | $0.840 |
| 60-64 | $1.228 | $1.228 |
| 65-69 | $1.740 | $1.740 |
| 70-74 | $2.474 | $2.474 |
| 75-79 | $3.351 | $3.351 |
| 80+ | $3.725 | $3.725 |
Pre-Existing Condition Limitation
A pre-existing condition is any sickness or injury, whether specifically diagnosed or not, for which an insured received treatment, consultation, care or services, including diagnostic procedures, or for which he/she took prescription drugs or medicines, during the 12 months before the individual effective date of coverage (or increase in coverage). Benefits (or increased benefits) will not be paid for a pre-existing condition unless the critical illness is diagnosed after 12 months of coverage (or effective date of an increase).
Exclusions
A benefit will not be paid if the critical illness is caused by or contributed to by one of the following: an act of war, declared or undeclared; intentionally self-inflicted injury; commission or attempted commission of a felony; the use of alcohol or drugs unless taken as prescribed by a physician; a sickness or injury that occurs while confined in a penal or correctional institution; cosmetic or elective surgery that is not medically necessary; committing or attempting to commit suicide while sane or insane; participation in a riot or insurrection; for a critical illness diagnosed outside of the US unless confirmed within the US; for a critical illness diagnosed less than three months from a different critical illness diagnosis for which a benefit has been paid; or for the same critical illness for which a benefit has been paid, if diagnosed less than six months after the previous critical illness was diagnosed.
Portability/Conversion
Contact Team Member Services at 855-432-MIKE (6453), Option 2, about Portability/Conversion information within 31 days of the date your coverage ends. The appropriate forms will be emailed to you. For more information, follow this link: Conversion & Portability Provisions.
Video Overview of Leave, Disability & Voluntary Benefits
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.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
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.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact
Phone: 1-800-351-7500
Voluntary Accident Insurance
Voluntary Accident Insurance
Plan Information
The Voluntary Accident Insurance plan, administered by Reliance Matrix, provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.
Voluntary Accident Insurance Plan Highlights: English | Spanish
The Voluntary Accident Insurance plan, administered by Reliance Matrix, provides a range of fixed, lump-sum benefits for injuries resulting from a covered accident. These benefits are paid directly to the insured and may be used for any reason, from deductibles and prescriptions to transportation and childcare.
Voluntary Accident Insurance Plan Highlights: English | Spanish
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Eligibility
All benefits-eligible full-time Team Members and covered dependents are eligible for Voluntary Accident Insurance.
Dependents can include:
- Your legal spouse or domestic partner who is under the age of 70 on the date of application.
- Your dependent children from birth to 26 years.
A person may not have coverage as both a Team Member and a dependent.
Biweekly Plan Costs
| Coverage | Biweekly Rate |
|---|---|
| You | $3.91 |
| You + Spouse/Domestic Partner | $7.26 |
| You + Child(ren) | $9.18 |
| You + Family | $12.17 |
Schedule of Benefits
| Benefits | Amount |
|---|---|
| Ambulance | $350 Ground, $1,750 Air |
| Blood, Plasma and Platelets | $400 |
| Burns | To $2,000 for 2nd degree burns; To $16,000 for 3rd degree burns; Skin Graft - 50% of benefit payable for Burns |
| Chiropractic Services (per Visit) | $60 per session, 6 sessions maximum |
| Coma | $10,000 |
| Concussion | $300 |
| Dental Injury | $300 for Crown; $100 for Extraction |
| Diagnostic Exams | $250 per CT/MRI scan |
| Dislocation | To $4,000 for Non-surgical; To $8,000 for Surgical; Partial - 50% of full dislocation; Multiple - 200% of highest dislocation benefit |
| Emergency Treatment | $225 |
| Epidural Anesthesia Injection (per Injection) | $200, 2 maximum |
| Eye Injury | $200 for removal of foreign object, $400 for surgical repair |
| Fractures | To $6,250 for Non-surgical; To $12,500 for Surgical repair; Chip fracture: 50% of nonsurgical benefit; Multiple fractures: 200% of highest sustained fracture |
| Initial Hospital Admission | $2,000 |
| Initial Intensive Care Unit (ICU) Hospital Admission | $2,000 |
| Hospital Confinement (per Day) | $350, 365 days maximum |
| Intensive Care Unit (ICU} Confinement (per Day) | $700, 30 days maximum |
| Lacerations | To $800 |
| Lodging (per Day) | $175 per day up to 30 days if more than 100 miles from residence |
| Medical Appliances | $200 |
| Organized Youth Sports Benefit | 25% of the benefit amount |
| Paralysis | $15,000 quadriplegia; $7,500 paraplegia/hemiplegia |
| Physical Therapy (per Session) | $60, 12 sessions maximum |
| Physician Visit | $200 Initial, $200 Follow-up |
| Prosthesis | $1,000 for one, $2,000 for two or more |
| Rehabilitation Facility Confinement (per Day) | $125, 30 days maximum |
| Surgery | $250 for Exploratory; $750 for Knee Cartilage; $2,500 for Abdominal or Thoracic; $1,250 for Ruptured Disc; to $1,500 Tendon, Ligament, or Rotator cuff |
| Transportation | $600, if more than 100 miles from residence |
| X-Rays | $100 |
Features
- Portability to Team Member age 70
- FMLA/MSLA continuation
- Newlywed and newborn provision
- 24-hour travel assistance services
Exclusions
Benefits will not be paid for any loss caused by:
- suicide;
- war;
- air travel (except as a passenger on commercial flights);
- assault/felony;
- acute or chronic intoxication;
- voluntary consumption of illegal or controlled substance or prescribed narcotic or drug; or
- injuries arising out of or in the course of employment for wage or profit.
For a comprehensive list of exclusions and limitations, please refer to the Certificate of Insurance. The Certificate also provides all requirements necessary to be eligible for benefits.
The plan highlights are a brief description of the key features of the RSL insurance plan. The availability of the benefits and features described may vary by state. It is not a certificate of insurance or evidence of coverage. Insurance is provided under group policy form LRS-9547-0318, et al.
Portability/Conversion
Contact Team Member Services at 855-432-MIKE (6453), Option 2, about Portability/Conversion information within 31 days of the date your coverage ends. The appropriate forms will be emailed to you. For more information, follow this link: Conversion & Portability Provisions.
Video Overview of Leave, Disability & Voluntary Benefits
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.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
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.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact
Phone: 1-800-351-7500
Long-Term Disability (LTD) Insurance
Paycheck Insurance for When You Can't WorkLong-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
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:
- 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.
- 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.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
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.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- 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
Short-Term Disability (STD) Insurance
Income Protection for Unforeseen Illnesses & InjuriesShort-Term Disability (STD) Benefits
The Short-Term Disability (STD) Insurance plan, administered by Matrix, pays a weekly benefit if you can’t work due to a non-work-related health condition, illness, or injury.
The program provides up to 100% base pay replacement while on short-term disability leave to ensure that Team Members continue to receive income while they are not able to work due to an illness or medically-required absence.
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How the Plan Works
To receive short-term disability benefits, you must be unable to perform the essential duties of your job due to accidental injury, sickness, mental illness, or pregnancy.
After your waiting period of either 7 or 14 days, your disability benefits are paid based on your condition and physician statement.
There is no waiting period for maternity disability.
Eligibility & Coverage
| Eligibility | When STD Begins1 | Percent of Earnings2 Replaced | How Long Benefits Are Paid |
|---|---|---|---|
| Store, Distribution Center, Artistree Hourly Team Members3 | |||
| You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. | After 14 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 11 weeks |
| Support Center Hourly Team Members3 | |||
| You must enroll within 31 days after you become eligible or wait until the next Open Enrollment. | After 7 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 12 weeks |
| Hourly Assistant Store Managers3 | |||
| You automatically will be enrolled once you become eligible. | After 7 consecutive days of disability | 60% of your weekly earnings up to the $1,000 weekly maximum | Up to 12 weeks |
| Salaried Team Members | |||
| You automatically will be enrolled once you become eligible. | After 7 consecutive days of disability | 100% of your weekly earnings | Up to 12 weeks |
| 1The STD benefit will be paid based on your duration of disability. Generally, the duration for maternity disability is up to 6 weeks following a normal delivery and up to 8 weeks following a C-section. The normal elimination period applies, beginning on the date the Team Member’s doctor reports the Team Member is disabled. There is no elimination period for maternity disability. 2This is your usual pay rate in effect when you first became disabled. It does not include bonuses, overtime pay, extra benefits or compensation. 3Hourly STD is not available in California, Connecticut, District of Columbia, New York, Rhode Island, Massachusetts, Washington, or New Jersey. Exempt Team Members are auto-enrolled in STD. |
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Pre-Existing Condition Limitation
The STD plan includes a pre-existing condition limitation. If you have a pre-existing condition, you may still be eligible for a reduced disability benefit. You qualify as having a pre-existing condition if both statements below are true:
- 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.
- 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.
File Your Claim(s) Online with Reliance Matrix
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
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.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- 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
Life and AD&D Insurance
Protection for Loved Ones in the Event of the UnexpectedJump to a section:
Life Insurance
Basic Life Insurance
All full-time Team Members, regardless of whether you enroll in a medical or dental plan, will receive Basic Life Insurance at no cost to you. Coverage amounts are outlined below.
Basic Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.
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Basic Life Coverage
| Coverage Tier | Benefit |
|---|---|
| You | $25,000 |
| Your Spouse/Domestic Partner | $2,000 |
| Your Child(ren) | $1,000 |
Voluntary Life Insurance
You can also opt to purchase Voluntary Life Insurance coverage for yourself, your spouse/domestic partner, and your children. Optional/Voluntary Life Insurance coverage amounts for you and your spouse/domestic partner reduce by 50% at age 70.
If you are newly eligible to enroll, you can elect coverage up to the Guarantee Issue amount without answering health questions. Otherwise, you’ll be required to provide Evidence of Insurability (EOI) and be approved by Reliance Standard before coverage begins.
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Optional Life Coverage
| Coverage Tier | Benefit |
|---|---|
| You | Up to $700,000 (in $10,000 increments); Guarantee Issue: $500,000 |
| Your Spouse/Domestic Partner | $5,000 to $100,000 (in $5,000 increments); Guarantee Issue: $30,000 |
| Your Child(ren) | Up to $10,000 (in $1,000 increments) |
Biweekly Premium Cost
per $10,000 of Coverage |
per $5,000 of Coverage |
|
|---|---|---|
Life Insurance Claims
Reliance Matrix offers five simple ways for employees and beneficiaries to submit a Life Insurance claim or check the status of a claim.
AD&D Insurance
Basic AD&D Insurance
Voluntary AD&D Insurance
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Optional AD&D Coverage
| Coverage Tier | Benefit |
|---|---|
| You | 1x–8x your annual base pay (up to $700,000) |
| Your Spouse/Domestic Partner | $5,000–$100,000 (in $5,000 increments) |
| Your Child(ren) | $1,000–$10,000 (in $1,000 increments) |
Biweekly Premium Cost
Voluntary Accident Insurance
Voluntary Critical Illness Insurance
Voluntary Hospital Indemnity Insurance
Beneficiaries
Designate & Manage Your Beneficiaries
A beneficiary is an individual or entity that will receive all or a portion of the insurance proceeds that may become payable if you die.
You may designate one or more individuals, including a trust or your estate, as a beneficiary. If you designate more than one beneficiary, the proceeds are divided equally unless you indicate otherwise on your beneficiary designation. You can divide the proceeds based upon a percentage or fraction, as long as the total equals 100%.
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What information do I need to name my beneficiary?
You will need the beneficiary’s full first and last name, complete address and phone number, and relationship to you.
When can I change my beneficiary?
Generally, you may change your beneficiary at any time. Life events like marriage, divorce or the birth of a child, are often good times to assess your beneficiaries. Log in to Workday to update your beneficiaries.
What happens if I don't name a beneficiary?
In the event that 1) there is not a named beneficiary, 2) all of the named beneficiaries die before you, or 3) the beneficiary records are lost or destroyed, insurance is generally paid in the following order:
- Surviving spouse
- Surviving children in equal shares
- Surviving parents in equal shares
- Surviving siblings in equal shares
- The estate
Claims, Portability & Conversions
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
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.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
File Your Claim(s) Online with Reliance Matrix
Portability & Conversions
For assistance with Portability and Conversion, within 31 days of the date your coverage ends, contact Team Member Services at 855-432-MIKE (6453) and select Option 2.
Portability Request & Continuation Forms:
Conversion Forms:
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.
Provider
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact
Phone: 1-800-351-7500