Who We Are


Since 1987, Matrix Absence Management (Matrix) has delivered high-quality service and industry-leading technology to our clients. Our services have been designed to improve both bottom-line financial results and employee relations through superior service and expertise in leave and disability management. 

The nature of our services has evolved over time in response to client needs, legislative changes and the competitive marketplace. All have been designed to alleviate much of the administrative burden associated with leave management. 

Together with our sister companies, Reliance Standard Life Insurance Company and Safety National Casualty Corp, we are positioned to provide disability, workers’ compensation and leave management products with a variety of program funding mechanisms.

good company

Our specialties


All of our energies and resources focus on a single objective


Our goal continues to be to manage employee absence through streamlined benefit delivery, simplified administration and reduced benefit cost. In addition, we work to reduce productivity losses companies suffer when their employees are out of work.

Our vision

We are a principled advocate for our clients, valuing their human capital as highly as our own. 

We align our success with that of our employees, clients, communities and strategic partners, innovating products and continually improving service in pursuit of customer delight. 

We strive in all respects to be a Good Company, living up to the responsibility and trust placed in us.


A history of firsts

Founded in 1987, Matrix was an early leader in outsourced administration of workers’ compensation and disability claims. Matrix innovated and improved service delivery through technology as well as expertise.

Matrix was the first absence management provider to:


Watch this video to learn more about our history

As a member of the Tokio Marine Group, one of the world’s largest and most respected insurance companies, Matrix embraces the mission of being a “Good Company”—that is, a company that delivers on commitments, empowers its employees, and perhaps most important, looks beyond profit to benefit customers, employees and the communities in which we work and live.

Why Matrix

We believe there is only one way to design a great program—your way

A Great Start

  • We partner with you and take a practical and results-oriented approach
  • Before implementation, we meet with your team to fully understand specific program requirements
  • We can customize our offerings, setting the stage for high satisfaction and superior outcomes

Ongoing Quality Service

  • We have a dedicated team of claims and account management professionals
  • We are committed to open communication
  • We take pride in our reputation for operational excellence and legendary service discipline

We continually:

  • Examine our process and outcomes
  • Raise our standards to meet or exceed developing best practices and new legislative requirements
  • Provide tangible benefits to you and your biggest, most important asset: your work force

Adjusting to Evolving Needs

  • We understand that businesses operate in increasingly demanding times, and that your needs may evolve
  • We stay abreast of what’s happening in the industry
  • We are flexible and adaptable to change
  • We stay close, listen carefully and continually evaluate your needs

Our aim is to provide innovative and creative claims management solutions. You can trust Matrix to deliver nothing short of superior results.

Leadership Team

Matrix has been defining the absence and productivity market since its founding in 1987. And we’ve been successful over time thanks in large part to the dedication and knowledge of our people.

Senior Management

  • Unique blend of experts
  • Equally culled from the industry and home-grown over decades of Matrix leadership
  • Dynamic and driven
  • Understand how to be effective, trusted partner

Claims Staff and Supervisors

  • Hire and retain skilled and experienced staff
  • ​Carefully integrate into our unique, interdisciplinary structure
  • Provide ongoing next‐generation training to help ensure:
    • Depth of product knowledge
    • Jurisdictional expertise
    • Commitment to our core values
    • Their success

Our Organization

  • Learned organization
  • Commitment to excellence
  • Pride in our company and yours
  • Dedicated and designated teams build strong relationships and cultural alignment with you
  • Always seeking a deeper understanding of your business
  • Look for ways to enhance efficiency through proactive and participatory thoughts and actions

Together, we do everything we can to create a better experience for you and your employees.

Mark Marsters is Senior Vice President and Chief Operating Officer of Reliance Standard Life Insurance Company; and President of Matrix Absence Management, Inc., a leader in helping employers proactively manage employee absence, productivity and related payments. He is a member of the Senior Leadership Team reporting to Chris Fazzini, President and CEO, Group Benefits, of Reliance Standard.

Mark joined Reliance Standard in 2017 as President and CEO of Custom Disability Solutions, a subsidiary of Reliance Standard providing reinsurance and outsourced group disability operations to and through affiliated insurance carriers. 

In 2018 he was promoted to Senior Vice President, Chief Operating Officer, of Reliance Standard. In that role he was responsible for all client and customer facing service operations, including field service and client management as well as consolidated service operations like billing, customer service and broker services. Mark also assumed leadership of the company’s strategic marketing and product development functions. Lastly, as COO Mark was responsible for the overall direction and profitable operation of Matrix Absence Management, an organization of almost 1,000 men and women.

In 2020 Mark was additionally named President of Matrix.

Prior to Reliance Standard, Mark was Senior VP, Operations, at Cigna Group Insurance, responsible for oversight and strategic performance of Cigna’s US Group and Voluntary Insurance operations. This organization of more than 2,500 men and women nationwide comprised group disability, life, accident, limited medical and specialty lines, and leave administration services. Mark began his career with Unum, serving in escalating management roles in disability claims operations, contracts and underwriting.

Mark earned his Bachelor of Science in Management from the University of Maine and completed graduate professional work at the Wharton School of Business of the University of Pennsylvania, and Penn State. He is a Registered Health Underwriter (RHU) and has earned designations from the Association of Life and Health Claims, and the Health Insurance Association of America.

Marti Cardi has leveraged a legal career of studying, interpreting, and indeed shaping US employment law to inspire and drive forward Matrix's market leading product development and service delivery.  As Vice President, Product Compliance, Marti ensures Matrix clients and their employees are informed, advised and  - most importantly  - well served by Matrix's services and business processes in the face of ever-changing industry regulation.  A nationally known speaker and author, Marti is the founder, lead author, and executive editor of Matrix Radar, an industry blog bringing commentary and clarity to employers and absence and benefits professionals nationwide.

Prior to originating her role at Matrix, Marti was Chief Compliance Officer for Reed Group, where she led the company's advancement of compliance with state and federal leave laws.  Her specialization in employment law began as a practicing attorney in leading Denver law firms and included in-house employment counsel assignments for multiple national companies before joining the consultant community.  Marti appears frequently at industry conferences, presenting to employer and consultant audiences on topics related to absence, productivity, and compliance.

Marti received her J.D. from the University of Colorado School of Law.

Robert McDonald serves as Vice President of Learning & Development at Matrix Absence Management. In this capacity he is responsible for course development and instruction to all Matrix employees nationwide. Robb joined Matrix in 2017 and is located in our Fort Lauderdale, FL office. Early in his tenure with Matrix, Robb implemented the Bridge learning platform. Bridge has significantly expanded our learning and development opportunities, while having a major impact on the training process at Matrix. The use of Bridge has altered the delivery of content by making information more accessible in an asynchronous format, allows for targeted training, and provides a whole new set of training analytics that Matrix has never had before. It is hoped that the use of this platform may even present opportunities for growth in which Matrix may be able to expand to new markets, or expand on our current line of product offerings. 
Prior to joining Matrix, Robb served as an Associate Professor at Franciscan University and as an Adjunct Professor at Robert Morris University while maintaining a private law practice, specializing in labor and employment law. 

Robb received his bachelor’s degree from Kent State University, an MBA from Franciscan University of Steubenville, J.D. from The University of Akron and his Ph.D in Instructional Management and Leadership from Robert Morris University.
Suzanne Murray has been a focal member of the Matrix team since January 1993. She is the architect and equity owner of many of the operational solutions and business process improvements that have enabled Matrix to lead the absence management market since its inception. In her current role, she has management responsibility for the integration of many critical business functions to help ensure quality, accountability and continued improvement on behalf of our clients. This gives her a unique and formidable pedigree to integrate claims operations with the same overarching goal of performance excellence. 

Her responsibility within the organization includes Integrated Claims Manager, Director of Training and Quality Assurance and Business Analyst with the Information Technology group. Ms. Murray is member of the senior management team. 

Ms. Murray has a Bachelor of Science in Clinical Sciences/ Medical Technology from San Francisco State University. Prior to joining Matrix in 1993, she was employed at various third-party administrators and insurance carriers handling short- and long-term disability and workers’ compensation claims.
Gordon Smith is Chief Solutions Officer for Matrix Absence Management. A seasoned professional with three decades of global industry experience, he is responsible for strategy, development and application of technology to benefit Matrix clients, partners and staff. 

Gordon joined Matrix in 2003 and under his leadership, Matrix has introduced many technology and business process improvements, including the TPA industry’s first mobile application for smartphones and tablets. Other initiatives include: 
  • Self-service client reporting
  • Executive dashboard reporting
  • Centralized check printing
  • Automated claim creation
  • Matrix client focus group

Prior to joining Matrix, Gordon was Vice President of Client Services at Valley Oak Systems, a provider of workers’ compensation and claims administration software. He has served in senior management positions with leading companies in the United States and Europe for more than 15 years. 

Gordon attended the University of Ulster where he attained a Higher National Diploma in Electronic Engineering and his British Computer Society qualification in Computing.
Bert Stone is responsible for strategic oversight and operation of Matrix’s case management model, programs, services and clinical operations. An industry veteran with more than 25 years’ experience in the return to work, vocational rehabilitation and disability markets, he will ensure established quality and other enterprise-level goals are attained and maintained. He will also manage all clinical partnerships. 

Most recently with Professional Disability Associates, Bert was responsible for PDA’s vocational rehabilitation team, forensic vocational support and disability consulting. Prior to that, he held leadership roles in clinical, vocational and disability claims management for organizations like Prudential and Unum. 

Bert resides in the Phoenix, AZ area. He earned his master’s in Rehabilitation Counseling and B.S. in Psychology from the University of Florida.
Suzanne Wilson serves as Vice President of Reporting & Analytics at Matrix Absence Management. In her over 20 years with Matrix, Suzanne has served in a variety of executive-level leadership roles, including Human Resources, Client Services and Administration. In her current role, Suzanne leads our Reporting Team, which is responsible for the development of standard and custom client reporting packages, including our annual stewardship reporting. She also maintains oversight of our Analytics Team, which forecasts incidence for new lines of business and performs in-depth actionable analysis of client programs. Further, Suzanne was the driving force behind our ADA Advantage Benchmark Analysis, the first credible analysis of employer exposure as it relates to the Americans with Disabilities Act. This groundbreaking analysis was the impetus for our ADA Incidence Forecasting module, which allows for thoughtful and sound pricing estimates for an employer based on their industry and demographic make-up. 

Suzanne received her B.A. and M.B.A. (with an emphasis in Finance) from the University of Colorado, Boulder.

Who We Serve

Skills and experience to meet your unique needs

We service a wide range of nationwide clients. Our clients include Fortune 500 companies, Technology sector leaders, Service Companies, Manufactures, Bio Tech, Utilities and Healthcare. 

Currently, Matrix serves companies with as few as 500 employees up to companies with more than 100,000.

About Tokio Marine

Matrix Absence Management is a member of the Tokio Marine Group. Tokio Marine Holdings, Inc., the ultimate holding company of the Tokio Marine Group, is incorporated in Japan and is listed on the Tokyo Stock Exchange. 

The Tokio Marine Group operates in the property and casualty insurance, reinsurance and life insurance sectors globally. The Group’s main operating subsidiary, Tokio Marine & Nichido Fire (TMNF), was founded in 1879 and is the oldest and leading property and casualty insurer in Japan. 

TMNF conducts business in the United States mainly through its U.S. branch and enjoys an A.M. Best rating of A++, which ranks among the highest in the industry. 

Tokio Marine emphasizes the concept of “Good Company,” the three-pronged foundation on which Tokio Marine operates in business markets and communities worldwide.


Meet the family

Reliance Standard Life Insurance Company 
Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income and group term life insurance, a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best*, Reliance Standard began its centennial year in 2006. Reliance Standard Life Insurance Company provides insurance products and services in all states (except New York), the District of Columbia, Puerto Rico and the U.S. Virgin Islands. In New York, insurance products and services are provided through First Reliance Standard Life Insurance Company, home office: New York, N.Y. Product availability and features may vary by state. It distributes its products through independent agents and brokers. 

Together with sister companies Matrix Absence Management, Inc., and Safety National Casualty Corporation, Reliance Standard Life Insurance Company is a leader in managing all aspects of employee absence to enhance the productivity of its clients. Our asset accumulation business emphasizes individual annuity products. Reliance Standard Life Insurance Company is a member of the Tokio Marine Group. 


Safety National Casualty Corporation 
Safety National offers a range of alternative risk funding products for workers’ compensation through independent insurance agents and brokers. Since 1942, we’ve been a leading provider of excess workers’ compensation coverage to self-insured employers and self-insured groups nationwide. Today, with the addition of our Large Casualty Program, which includes Large Deductible Workers’ Compensation and Commercial Auto and General Liability coverage, Safety National has evolved into a versatile alternative market provider. Safety National is a member of the Tokio Marine Group. 


Tokio Marine Group

The security of nearby expertise, enhanced by the diversity and power of one of the world's most respected insurance groups. This is the value brought to bear by the U.S. members of the Tokio Marine Group. Our companies offer access to leading commercial insurance solutions spanning the property and casualty landscape, professional liability, workers' compensation and employee benefits programs.

Whether standalone coverage or comprehensive solution, you will find service and value at the core of Tokio Marine. Learn more about our member companies here.