Short-Term Disability (STD) Insurance

Income Protection for Unforeseen Illnesses & Injuries
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Short-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 for 100% base pay replacement while on short-term disability leave to ensure that exempt Team Members do not experience a reduction in pay while they are not able to work due to an illness or medically-required absence.

STD Insurance Plan Highlight Sheet: English | Spanish New

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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

EligibilityWhen STD Begins1Percent of Earnings2 ReplacedHow 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 disability60% of your weekly earnings up to the $1,000 weekly maximumUp 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 disability60% of your weekly earnings up to the $1,000 weekly maximumUp to 12 weeks
Hourly Assistant Store Managers3
You automatically will be enrolled once you become eligible.After 7 consecutive days of disability60% of your weekly earnings up to the $1,000 weekly maximumUp to 12 weeks
Salaried Team Members
You automatically will be enrolled once you become eligible.After 7 consecutive days of disability100% of your weekly earningsUp 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.
3STD is not available in California, Connecticut, District of Columbia, New York, Rhode Island, Massachusetts, Washington or New Jersey.

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:

  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

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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.

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Resources

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Contact

Phone: 1-855-RSL-CLAIM (775-2524)