Disability
Disability insurance can keep you financially stable should you become disabled and unable to work. It can help provide a sense of security, knowing that if the unexpected should happen, you’ll still receive a monthly income.
Short-Term Disability (STD)
Class 1 Non-Union Employees (including Executive)
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LTD benefits replace 67% of your base wages to a maximum of $15,000 per month.
- STD Benefits replace 75% of base salary wage up to weekly maximum of $4,500.
- Eligible employees are enrolled in STD following 60 days of active employment.
- Spectrum Brands pays the cost of this coverage.
- Benefits begin immediately if disability is due to an injury, accident or hospitalization. Otherwise, begin after 7 days of an illness without hospitalization.
- Maximum benefit period is 16 weeks of benefit payment for injury or 15 weeks of benefit payment for sickness.
- Plan Documents
Voluntary Short-Term Disability (STD)
Class 1 St. Louis Union
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Eligible employees can enroll in Voluntary Short-Term Disability benefits following 60 days of continuous employment.
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You pay the cost of this coverage.
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Benefits begin after you have been disabled for 14 days due to a non-work-related illness or injury.
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Replaces up to 60% of your eligible income, to a maximum of $500 per week.
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Benefits end after 11 weeks.
- Plan Documents
How to File a Short-Term Disability Claim
Scan the QR code to download
the eServices mobile app.
Visit matrixabsence.com to file online.
Call (877) 202-0055 to file your claim by phone.
How to File a Short-Term Disability Claim
Scan the QR code to download the eServices mobile app.
Visit matrixabsence.com to file online.
Call (877) 202-0055 to file your claim by phone.
Long-Term Disability (LTD)
Class 1 Executives
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You are eligible to receive LTD benefits after 90 days of disability.
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Replaces up to 67% of your eligible income, up to a maximum of $15,000 per month until you recover or reach your Social Security Normal Retirement Age, whichever is sooner.
- Spectrum Brands pays the cost of this coverage.
- Plan Documents
Long-Term Disability (LTD)
Class 2 Non-Union
Base LTD
- LTD benefits replace 50% of your base wages to a maximum of $15,000 a month.
- Eligible employees are automatically enrolled in Basic LTD date of hire.
- Benefits begin after 90 days of disability or date that STD benefit exhaust.
- Spectrum Brands pays the cost of this coverage.
- Payments may be reduced by state, federal or private disability you receive while disabled.
Buy Up LTD
- LTD benefits replace 67% of your base wages to a maximum of $15,000 a month.
- Eligible employees are automatically enrolled in Basic LTD date of hire.
- Benefits begin after 90 days of disability or date that STD benefit exhaust.
- You pays the cost of this coverage.
- Payments may be reduced by state, federal or private disability you receive while disabled
Plan Documents