SHORT-TERM DISABILITY PLAN
The Short-Term Disability Plan of Mid-America Apartments, LP (the “STD Plan”) is a short term disability income protection benefit plan sponsored by Mid-America Apartments, LP. (the “Employer”) to provide continued income for a period of time in the event you are unable to work due to a non-occupational Illness or Injury. The STD Plan can help provide continued income to you. As of January 1, 2017, this benefit became a component of the Mid-America Apartments, LP Employee Welfare Benefits Plan and replaces both the Post Apartment Homes, L.P., Short- Term Disability Plan and the Mid-America Apartment Communities, Inc. Group Short Term Disability program. Detailed information about your eligibility for coverage, what benefits are payable, how to file a claim, and other features of this Plan are contained in this document, which is referred to as your “booklet,” “summary plan description” or SPD. If your disability extends beyond the STD benefit period, you may be eligible for Long Term Disability (LTD) benefits under the Mid-America Apartments, LP Employee Welfare Benefits Plan. See the Summary Plan Description or individual booklet for the Long Term Disability Benefit component for further information about the LTD benefit. The Employer pays the full cost of the coverage and pays benefits under the STD Plan from its general assets (this is not an insured benefit and there is no insurance policy). The Employer has engaged the Claims Administrator to provide certain administrative and claims services for the STD Plan, but the Claims Administrator does not insure this Plan. The Employer reserves the right to modify, amend, suspend or terminate, in whole or in part, any of the provisions of this STD Plan at any time for any reason or for no reason. When making a benefit determination under the STD Plan, we have discretionary authority to determine your eligibility for benefits and to interpret and enforce the terms and provisions of the STD Plan. We may delegate some or all of this authority to the Claims Administrator.
“We,” “us,” and “our,” as used in this summary, refer to the Plan Administrator identified in the ERISA Provisions section.
PLAN OUTLINE
Employees Eligible for Coverage
All full-time employees (defined as employees on the Employer’s payroll who are regularly scheduled to work at least 30 hours per week) who are in Active Employment and receive a Form W-2 from the Employer are eligible for coverage under this Plan. Examples of employees who are not eligible for coverage include part-time, temporary, leased employees and seasonal workers.
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