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Your rights, state by state

StateLawYour right
CaliforniaCal. Civ. Code § 1812.89A disability that precludes physical use of the facilities, verified by a physician, relieves the payment obligation; prepaid sums are refunded pro-rata.
ColoradoColo. Rev. Stat. § 6-1-704(1)(c)–(d)Refusing cancellation when a licensed physician (or APRN) determines the member totally physically disabled for the duration of the contract is a deceptive trade practice. Refund, less days actually used, within 15 days of written notice.
ConnecticutConn. Gen. Stat. § 21a-216A disability over 45 days relieves liability for the disabled portion of the contract or extends it free; the club must respond in writing within 15 days.
FloridaFla. Stat. § 501.017(1)(b)Cancel if physically unable to use a substantial portion of services, certified by a Florida-licensed physician. Pro-rata refund.
GeorgiaO.C.G.A. § 10-1-393.2(g)Cancel for “total and permanent disability” — defined as a condition lasting more than 45 days that prevents using the facility as before. Refund within 30 days; the club may verify reasonable evidence.
Illinois815 ILCS 645/8On presentation of reasonable evidence of disability, liability stops for charges after the evidence is presented; refund due within 30 days.
IndianaInd. Code § 24-5-7-6 to -8Cancel if totally physically disabled for the duration of the contract; the club may request an exam by a mutually agreeable doctor at the club’s cost. Refund within 30 days (club may retain services used + up to 25%).
MassachusettsMass. Gen. Laws ch. 93, § 82Cancel if significantly physically or medically disabled for more than 3 months, with physician documentation.
MississippiMiss. Code Ann. § 75-83-5(6)Disability relieves the payment obligation from onset; the unexpired prepaid portion must be promptly refunded.
MissouriMo. Rev. Stat. § 407.330.1(3)–(4)Cancel if permanently disabled and unable to use a substantial portion of services for 60+ consecutive days (temporary disability extends the term instead). Written notice by certified mail; pro-rata refund within 30 days.
New YorkN.Y. Gen. Bus. Law art. 30, § 624Cancel a health-club contract on a doctor’s order for a significant physical disability lasting more than 3 months. Refund due within 10 business days.
North CarolinaN.C. Gen. Stat. § 66-120(2)If disability prevents receiving the benefits, at least 90% of the pro-rata cost of unused services is refunded within 30 days of the request.
OhioOhio Rev. Code § 1345.42(B)(5)On disability, liability is prorated to the days before the disability; the excess is returned within 30 days of notice.
Oklahoma59 Okla. Stat. §§ 2004(3), 2005(A)(5)Cancel if physically unable to use a substantial portion of services for 30+ consecutive days, proven by a doctor’s certificate. Notice by certified mail; pro-rata refund within 30 days.
OregonOr. Rev. Stat. § 646A.034(5)–(6)Cancel if physically unable to use a substantial portion of the services; pro-rata refund by weeks remaining. The contract may ask that a mutually agreeable physician confirm the disability.
Pennsylvania73 Pa. Stat. §§ 2161–2175 (Health Club Act)Cancel for a physician-verified condition precluding use of a third or more of the facilities for 6+ months (refund within 40 days); a shorter physician-verified disability extends the membership free for its duration. Notice by certified mail.
VirginiaVa. Code § 59.1-297 (Health Spa Act)Cancel if physically unable to use a substantial portion of services for 30 consecutive days or more, with a signed statement from a physician, PA, or APRN.
WashingtonWash. Rev. Code § 19.142.040(7)(a), .050Cancel on total disability (the contract may ask a mutually agreeable physician to confirm); refund within 30 days of written notice.
WisconsinWis. Stat. § 100.177(12)On disability, the member owes only the elapsed-time proportion of the contract.

In every other state, your club’s own membership terms govern — most agreements honor a physician’s letter. Available in every state we’re licensed in.

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