Apps
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BCBSTX Medical and Prescription Drugs
The BCBSTX app is available for iPhone and Android users. To get the BCBSTX app, text BCBSTXAPP to 33633 or search for BCBSTX in the iTunes App Store or Google Play.
Category: Live
Cigna Oral Health Program
What is the Cigna Dental Oral Health Integration Program?
It’s a program that reimburses out-of-pocket costs for preventive dental treatments to combat dental issues such as gum disease and tooth decay. The program is for people with certain medical conditions with a higher risk of oral health issues. There’s no additional cost for the Oral Health Integration Program – if you qualify, you get reimbursed.
Who qualifies?
If you have a Cigna dental plan, you’re eligible for the program. You must be treated by a doctor for any of the following conditions:
| Heart Disease | Radiation for head or neck cancers |
| Parkinson’s Disease | Stroke |
| Diabetes | Maternity |
| Chronic Kidney Disease | Organ Transplants |
| Rheumatoid arthritis | Sjogren’s syndrome |
| Lupus | Amyotrophic lateral sclerosis (ALS) |
| Huntington’s disease | Opioid misuse and addiction |
How to enroll?
To get reimbursed, you first have to enroll in the Cigna Dental Oral Health Integration Program by either:
- Going to myCigna.com, selecting Coverage > Dental and filling out the registration form online
- Calling the number on the back of your Cigna ID card and asking for a mailed registration form
Additional Resources
Frequently Asked Questions
Answers to Common QuestionsJump to a section:
401(k):
Paid Leave:
Cell Phone Reimbursements & Discounts:
Medical
Formulary (Drugs) Pricing
“In the past the formulary (the drugs covered under our prescription plans) have changed twice a year: January 1 and July 1. Has there been anything done to line that up with our July 1st plan year start date? It’s hard to calculate FSA amounts to elect when the prices change twice a year.”
Michaels health plan watches every dollar to ensure that Team Member paycheck contributions remain as low as possible. You might not know that Michaels health plan is self-funded — that means that you pay around 30% of the cost of the health plan and Michaels pays the rest. Since it is not an insured health plan, extra costs aren’t passed off to an insurance company.
To keep Team Member contributions low, the medical plan covers certain prescribed drugs. The permitted prescribed drugs along with the portion the plan will pay to cover the expense of these drugs is included on a list of eligible drugs, which is called a formulary. Historically Michaels has updated this list twice a year to keep up with changes as new drugs are introduced to the market and as existing drugs become available in a generic form.
We have reviewed a recent request to update the formulary once a year to coincide with open enrollment instead of twice a year, and we have learned that our overall pharmacy costs are likely to increase which means Team Member contributions would also increase by making that change. We will continue to review the formulary timing and will consider moving to once per year if there are no cost increases associated with that change in the future.
Prescribed Medicine Coverage
“Do we have a plan for prescribed medicine? Many drugs are not covered by our plan.”
Please see the response above which explains why we have the drug list (formulary). We regularly review the drugs that are part of our formulary to balance Team Member needs and overall costs to both Michaels and our Team Members.
401(k)
Other 401(k) Options
“Is a self-directed 401(k) option on the table for the future? With ETFs or stocks instead of mutual funds?”
Some companies allow 401(k) participants to select additional types of investments in their 401(k) plan outside of the provided mutual funds selected by the company’s Retirement Committee. This type of investment choice is called a “self-directed 401(k) investment option”. Some individuals who work for companies providing a 401(k) self-directed investment option choose to invest in “ETFs” which stands for Exchange Traded Funds. ETFs operate somewhat like a mutual funds, however they are valued continuously instead of at the end of each trading day.
Michaels’ 401(k) Retirement Committee regularly reviews existing investment fund performance to ensure the funds are appropriate choices for our 401(k) participants. The Committee has considered self-directed investment options in the past, however, has decided against adding them as an investment option for two main reasons – (a) very few participants elect to actively invest their 401(k) assets and (b) it is very difficult to ensure Team Member compliance with stringent IRS and Department of Labor regulations.
Paid Leave
Maternity Leave
“Is there any chance that we are reviewing a maternity leave program? Or increasing the coverage to be 100% paid for a full 12 weeks?”
Current
- Salaried Team Members and Assistant Store Managers are eligible for company-paid short-term disability.
- Hourly Team Members may choose to purchase short-term disability coverage.
Eligible Team Members receive a short-term disability benefit equal to 60% of regular salary up to a maximum of $1,000 per week while unable to work, including for giving birth (typically six weeks).
Prevalence for Retail
Our practice mirrors the retail survey data.
Paid Parental Leave for New Parents
“I’ve heard several Team Members say that we could improve the amount of paid leave for new parents. Many companies are improving their plans to 6 or 12 weeks. Are we considering increasing this for our Team Members as well?”
Michaels has a Parental Leave Policy available for Salaried Team Members, Store Managers, and Assistant Store Managers. This policy provides 80 hours of paid time off for the birth, adoption, or foster placement of a child. This leave time is to be used within one (1) year of the birth or adoption of the child.
Hourly Team Members are currently not eligible for paid parental leave; however, they may request unpaid time off for the birth, adoption, or foster placement of a child.
Maternity/Birth Leave
Our maternity leave for mothers giving birth is common among retail companies. Most retailers provide for at least six weeks of short-term disability pay during this time. In addition, the Federal Medical Leave Act allows up to 12 weeks of unpaid, job-protected leave within 1 year of the birth of a child or placement of a child for adoption or foster care.
Adoption Leave
Our parental leave program of two weeks is common among retailers for salaried and part-time hourly Team Members. We are evaluating our parental leave policy for our full-time hourly Team Members many of whom work in our distribution centers.
Other
Internal Job Posting Pay Rate
“Do we have any plans to make updates to the internal job posting in Workday to include the pay grade for the position?”
Great question! We have now updated our Workday system to display this information for internal job postings.
Holiday Helpers
This program is available on a volunteer basis from mid-November through December for Support Center Team Members. We highly encourage Team Members across our Support Center to volunteer in our stores during this time to connect with our Makers and support our frontline store Team Members.
Cell Phone Reimbursements & Discounts
Cell Phone Reimbursement Coverage
“For Team Members who work daily in model stores or competitively shop competitors, the cell phone is essential to remain reachable while not working directly on a laptop. Will cell phone coverage be reconsidered for these Team Members?”
Michaels reviewed cell phone reimbursement coverage a few years ago from a cost perspective and determined certain groups could receive reimbursement.
Currently, cell phone reimbursement is limited to:
- Store operations at the Director level or above who travel 75% or more of the time.
- Select roles that require first responders for urgent incident management issues.
For more detailed information, please refer to the Mobile Phone Allowance Policy.
AT&T Internet Discount
“Could you look into the possibility of the AT&T discount also including internet for those who work from home?”
Our AT&T Discount is negotiated directly with AT&T as a major vendor of Michaels. Michaels Team Members are eligible for a 23% discount on qualifying monthly services from AT&T.
In order to receive the discount, mention FAN: 41028 when you contact AT&T. For more information and to shop online, please visit att.com/wireless/MICHAELS. You can receive up to 30 GB of mobile hotspot data per line which can supplement for internet usage from home.
AT&T Pre-Paid Eligibility
“Do the cell phone benefits also cover pre-paid AT&T plans?”
Please refer to the information above and check directly with AT&T at att.com/wireless/MICHAELS. AT&T is always updating their discounts to provide cost-effective service to Michaels Team Members.
Michaels CARES
Helping in Times of Need
Michaels CARES is a 501(c)(3) charity that helps Team Members in their greatest time of need.
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How We Help
- Destruction of or Severe Damage to primary residence due to natural disaster or victim of a crime.
- Forced Evacuation from primary residence by local community authority due to severe weather conditions, natural disaster, or other hazardous condition.
- Death of Team Member or eligible family member(s).
- Critical illness or injury of Team Member or eligible family member(s).
- Foreclosure/eviction.
- Unhoused.
- Transportation Issues due to theft or car accident.
How You Can Help
- Set up payroll deductions in Workday.
- Make a one-time donation in store using SKU #10498317.
- Support your fellow Team Members.
Apply for Assistance
Make sure you meet the requirements before you submit your application for assistance. Here’s a quick checklist to follow when you apply:
- Application must be completed in its entirety.
- Sponsor must sign the application (sponsors are a critical part of our process).
- Supporting documents are attached – more is better.
Have questions? Read the Michaels CARES Frequently Asked Questions (FAQs), available in English and Spanish.
Ready to apply? Use the link below to open and complete the Michaels CARES application online, or download the paper application in your preferred language.
Michaels CARES
Contact
3939 W. John Carpenter Fwy.
Irving, Texas 75063
Phone: 972-409-5858
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
- AAA
- Child Care
- Computers & Electronics
- PerkSpot
- Finances
- Fitness
- Hotels
- Phone Services
- Pet Insurance
- Skechers
- Tuition Discounts
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.
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 US 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.
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
Michaels Team Members and immediate family members are eligible to receive a 15% tuition discount at Colorado Technical University (CTU).
CTU offers more than 100 undergraduate and graduate degree programs. For more information, visit the CTU website or call 1-866-897-1560.
University of Phoenix
Michaels Team Members are eligible for a 15% discount for on-campus or online classes at the University of Phoenix. Tuition is waived for every sixth 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.
For more information, visit www.phoenix.edu/michaels or call 1-866-354-1800.
University of Dallas Master’s Program
The University of Dallas offers Michaels 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, watch this video or visit udallas.edu/michaels.
WGU
Western Governors University (WGU) offers Michaels Team Members in all US 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 | 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 | 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 Information
Phone: 1-800-351-7500
Quick Links
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 Information
Phone: 1-800-351-7500
Quick Links
Heads up! Some information on this website will change with the new plan year. Use these checkboxes to show information for one or both plan years.