Short Term Disability Summary Plan Description

not include income received from overtime pay, any other extra compensation, or income received from sources other than your Employer.

 “ Claims Administrator ” means Liberty Life Assurance Company of Boston, 175 Berkeley Street, Boston, MA 02116, telephone number 1-888-408-7300.

 “ Complications of pregnancy ” means that part of pregnancy during which abnormal conditions or concurrent disease significantly affect the pregnancy’s usual medical management. A complication may exist during the pregnancy, during the delivery or after the delivery.  “ Disability ” and “ Disabled ” means that because of Illness or Injury that commences while you are an Eligible Employee, you cannot perform each of the material duties of your regular occupation.

 “ Elimination Period ” means a period of 7 consecutive days of Disability, beginning on the first day of Disability, for which no Weekly Benefit is payable.

 “ Employer ” means Mid-America Apartments, LP and includes each division, subsidiary, or affiliated company, including, but not limited to, Mid-America Apartment Communities, Inc.

 “ Illness ” means sickness, disease, or other medical conditions including pregnancy and complications of pregnancy.

 “ Injury ” means bodily injury resulting directly from a non-occupational accident and independently of all other causes. The Disability resulting from the injury must begin while you are an Eligible Employee for benefits to be payable.

“ Other Income ” means:

o Any amount provided under federal maritime law;

o Any amount you are entitled to, under any group insurance plan of your Employer, that provides disability income benefits;

o Any benefits you or your dependents are eligible to receive because of your disability or age under the United States Social Security Act or similar plan or act. If benefits from these programs are denied for any reason (except your non- insured status), you will be required to appeal the denial to the full extent permitted. You will continue to be considered eligible to receive these benefits until all appeal processes are exhausted;

o Any benefits payable under any state compulsory benefit act or law;

o Any income received from any other formal or informal salary continuation program, except for accumulated sick leave and paid time off applied to

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