SHORT-TERM DISABILITY

Disability coverage helps protect part of your income if you get hurt or sick and cannot work. Disability benefits are reduced by any benefits you receive from Social Security or other disability income benefits.

Eligible Employee Partners who are not eligible for the LTD Plan may participate in the STD Plan (except for Employee Partners working in clubs located in states where there is state-mandated disability plans, like California, New Jersey or New York).

Short Term Disability (STD) Plan
You pay 100% of the cost of this benefit on a post-tax basis. The cost of this benefit will depend upon your age and the benefit amount you elect. After a 14-day waiting period, the STD Plan will provide a weekly benefit for up to 13 weeks if you are disabled due to an accident or illness.

Pre-existing conditions apply to this benefit. For this Plan, a pre-existing condition is a disability by injury or illness for which medical advice, diagnosis, care or treatment was recommended or received during the 6 months prior to becoming eligible for this Plan. You must have 12 months of coverage from the date you become covered under this Plan to receive benefits on a pre-existing condition.

You will choose one of the following weekly benefit amounts that is not greater than 60% of your average weekly salary — $100, $200, $300, $400 or $500 (your average weekly salary includes pay such as regular salary, commission, lessons and service charge distributions, but does not include extra pay such as overtime, bonus, etc).

If you have benefits questions, send them to psbenefits@clubcorp.com