Matrix Absence Management (“Matrix”) is a third-party administrator that evaluates claims for long-term disability (LTD). Matrix works closely with Reliance Standard Life Insurance Company.
A long-term disability plan administrator is typically the LTD plan sponsor or employer unless another party is designated. The plan administrator is responsible for plan compliance. The term “plan administrator” is often the source of confusion because it is often thought that when an employer uses a third-party administrator (TPA) to administer its plan and adjudicate claims, the TPA should be named as the plan administrator. However, the plan administrator is almost always the employer, not a TPA or an insurance company. A third-party administrator is a person or entity that adjudicates disability claims. Again, a TPA is usually not the plan administrator.
Given this background, we see that Matrix will manage a long-term disability claim until the claim is resolved or the employee returns to work.
If your long-term disability claim is denied or terminated by Matrix Absence Management, you have legal rights. You should contact an experienced law firm like the Ortiz Law Firm to discuss your rights. Mr. Ortiz has experience in handling claims that have been denied by Matrix. He can be reached at (888) 321-8131.