LONG-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.

You can elect LTD coverage for you only and you pay 50% of the cost on a post-tax basis. After completing a 90-day waiting period, the LTD plan replaces 60% of your weekly pay as long as you are disabled or until you reach age 65. To cover your loss of income during the 90-day waiting period, you will receive salary continuation benefits after two years of service.

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 following time periods if you enroll for the first time: 

• As a newly eligible Employee Partner — within 3 months immediately before the date you become covered, you may not receive benefits for 12 months after coverage begins. 
• During Open Enrollment — within 12 months immediately before the date you become covered, you may not receive benefits for 24 months after coverage begins. 
• You are required to use any earned but unused sick time followed by vacation 1) during any waiting periods prior to receiving benefits through a State- or Company-sponsored wage supplement benefit program such as salary continuation, and 2) during any time period that you do not receive any form of State- or Company-sponsored wage supplement benefit program. Please see Employee Partner handbook for further details.

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