I had the misfortune of having to deal with MATRIX. They are a PAIN IN THE ASS! Their overly aggressive, adversarial attitude makes you want to reach in the phone and punch them in the mouth. They will lie to you (tell you they didn't get your paperwork and are going to deny your claim, and when I called the doctors office the girl told me they faxed everything MATRIX needed and have a fax confirmation) They told me the doctor said I could come back to work on light duty, I told caseworker "that's bull, the doctor told me THIS AFTERNOON I would be off work for 3 weeks until my follow up visit, and we'll decide then if you can go back to work". In those 3 weeks I was harassed by 4 different caseworkers on eleven different phone calls. I'm glad I kept a phone log. My honey and I went on the consumer affairs website to check on MATRIX, and guess what? There were about 1500 lawsuits against Matrix in the past few years. It is my belief that they try to **** you off to give up your claim...Another scumbag business.