{"id":5732,"date":"2020-11-10T12:13:32","date_gmt":"2020-11-10T17:13:32","guid":{"rendered":"https:\/\/benefits.odysseyconsult.com\/?page_id=5732"},"modified":"2025-03-05T16:32:23","modified_gmt":"2025-03-05T21:32:23","slug":"short-term-disability","status":"publish","type":"page","link":"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/","title":{"rendered":"Short Term Disability"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><p>[vc_row top=&#8221;120px&#8221; content_fadeout=&#8221;content-fadeout&#8221; font_weight=&#8221;normal&#8221; textalign=&#8221;left&#8221; bg_type=&#8221;image&#8221; bg_cover=&#8221;cover&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_position=&#8221;Center top&#8221; slope_bottom=&#8221;slope-bottom&#8221; slope_bottom_height=&#8221;60px&#8221; slope_height_mobile=&#8221;30px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#ffffff&#8221; bg_color=&#8221;#234466&#8243; slope_bottom_color=&#8221;#ffffff&#8221; bg_image=&#8221;6358&#8243;][vc_column][vc_column_text]<\/p>\n<h1 class=\"mediaheader\">Short-Term Disability Insurance<\/h1>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row top=&#8221;40px&#8221; bottom=&#8221;0px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#696969&#8243;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1607398623487{padding-right: 40px !important;}&#8221;][vc_column_text]<\/p>\n<h2><span style=\"color: #36353c; font-size: 30px;\">About the Plans<\/span><\/h2>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]Your income pays for everything from housing and utilities, to food, childcare, and much more. If you are like most people, being without income because of an unexpected illness or injury could have serious financial consequences. That\u2019s where Short-Term Disability Insurance (STD)\u2014also known as income protection\u2014comes in. It is a back-up plan to help protect your income if you\u2019re too sick or hurt to work.<\/p>\n<p>This benefit pays 60% of your weekly income to a maximum of $2,000 for up to 12 weeks and includes:<\/p>\n<ul style=\"margin-bottom: 1em;\">\n<li>Recurrent Disability Coverage<\/li>\n<li>Return to Work Incentive<\/li>\n<li>Waiver of Premium Benefit<\/li>\n<li>Swift Maternity Claims\u2014we strive to make your leave claims process as straightforward as possible. So, when it\u2019s time to take your baby home, you can focus on what really matters\u2014getting to know your little one.<\/li>\n<\/ul>\n<p><strong>Odyssey offers two options for Short-Term Disability Insurance\u2014a voluntary, employee-funded \/ Tax Choice plan, and a Basic, Odyssey-paid plan:<\/strong>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1737076271503{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 3px !important;}&#8221;]<strong style=\"color: #ed6600;\">Voluntary, Employee-Funded Short-Term Disability\u2014Coverage Level 1 (Tax Choice Plan)<br \/>\n<\/strong>The Voluntary plan, also referred to as the Tax Choice plan, allows you to pay the premium for STD. In return, if you need to use the benefit at any time during the plan year you will receive the full benefit tax-free.[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1737076314829{border-top-width: 1px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;border-left-color: #dddddd !important;border-left-style: solid !important;border-right-color: #dddddd !important;border-right-style: solid !important;border-top-color: #dddddd !important;border-top-style: solid !important;border-bottom-color: #dddddd !important;border-bottom-style: solid !important;border-radius: 3px !important;}&#8221;]<strong style=\"color: #ed6600;\">Odyssey-paid Short-Term Disability\u2014Coverage Level 2 (Basic Plan)<\/strong><br \/>\nIf you choose to decline the Voluntary STD Plan, you have the option to enroll in the Odyssey-paid \/ Basic Plan. With the Basic plan, you still receive the full benefit, but funds received would be considered taxable income.[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<em>Review the linked Plan Documents &amp; Summaries to learn more.<\/em>[\/vc_column_text][vc_empty_space height=&#8221;25px&#8221;][vc_btn title=&#8221;VISIT SYMETRA FOR MORE INFO&#8221; style=&#8221;flat&#8221; size=&#8221;sm&#8221; align=&#8221;left&#8221; css_animation=&#8221;fadeInUp&#8221; link=&#8221;url:https%3A%2F%2Fwww.symetra.com%2F|target:_blank|rel:nofollow&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text css=&#8221;.vc_custom_1737074507082{padding-right: 10px !important;padding-bottom: 5px !important;padding-left: 10px !important;border-radius: 3px !important;}&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8486\" src=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\" alt=\"symetra-logo\" width=\"302\" height=\"52\" \/>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1608339959332{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f7f7f7 !important;border-radius: 3px !important;}&#8221;]<\/p>\n<h3 style=\"color: #36353c; font-size: 30px;\">Eligibility<\/h3>\n<p class=\"sidebar-sm-text\">All employees who work 30 or more hours per week.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1610074865076{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f7f7f7 !important;border-radius: 3px !important;}&#8221;]<\/p>\n<h3 style=\"color: #36353c; font-size: 30px;\">Enrollment<\/h3>\n<p class=\"sidebar-sm-text\">You are eligible to enroll as a new hire, subsequently during the annual open enrollment period, or if you have a life event.<\/p>\n<p>[\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text css=&#8221;.vc_custom_1609207026183{padding-top: 10px !important;padding-right: 10px !important;padding-bottom: 10px !important;padding-left: 10px !important;background-color: #f7f7f7 !important;border-radius: 3px !important;}&#8221;]<\/p>\n<h3 style=\"color: #36353c; font-size: 30px;\">Plan Documents &amp; Summaries<\/h3>\n<p class=\"sidebar-sm-text\"><a href=\"#modal-docs_std\" target=\"_blank\" rel=\"noopener noreferrer\">Click to View \/ Download<\/a><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row top=&#8221;20px&#8221; bottom=&#8221;3px&#8221;][vc_column width=&#8221;1\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_tooltip placement=&#8221;top&#8221; title=&#8221;BENEFITS CONTACT INFO&#8221; popover_content=&#8221;Email: benefits@odysseyconsult.com&#8221;][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-6166\" src=\"\/wp-content\/uploads\/sites\/14\/2020\/12\/askhr_footer_o-300x154.png\" alt=\"Ask HR Icon\" width=\"175\" height=\"90\" srcset=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2020\/12\/askhr_footer_o-300x154.png 300w, https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2020\/12\/askhr_footer_o.png 390w\" sizes=\"auto, (max-width: 175px) 100vw, 175px\" \/>[\/vc_column_text][\/vc_tooltip][\/vc_column][vc_column width=&#8221;1\/3&#8243;][\/vc_column][\/vc_row][vc_row top=&#8221;10px&#8221; bottom=&#8221;10px&#8221; bg_color=&#8221;#f4f4f4&#8243;][vc_column][\/vc_column][\/vc_row][vc_row][vc_column][vc_modal id=&#8221;docs_std&#8221; overlay_color=&#8221;rgba(0,0,0,0.6)&#8221;][vc_column_text]<\/p>\n<h3 style=\"color: #36353c; font-size: 30px; margin-bottom: 1em;\">Short-Term Disability Insurance Plan Documents &amp; Summaries<\/h3>\n<p class=\"sidebar-sm-text\"><a href=\"\/wp-content\/uploads\/sites\/14\/2022\/01\/Lincoln_FinGrp_Tax_Choice_STD_Benefit_Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Short-Term Disability <\/a><a href=\"\/wp-content\/uploads\/sites\/14\/2022\/01\/Lincoln_FinGrp_Tax_Choice_STD_Benefit_Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Summary\u2014<\/a><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-STD-CL1-Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Coverage Level 1 (<\/a><a href=\"\/wp-content\/uploads\/sites\/14\/2022\/01\/Lincoln_FinGrp_Tax_Choice_STD_Benefit_Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Tax Choice Plan<\/a><a href=\"\/wp-content\/uploads\/sites\/14\/2022\/01\/Lincoln_FinGrp_Tax_Choice_STD_Benefit_Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">)<\/a><\/p>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-STD-CL2-Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Short-Term Disability Summary\u2014Coverage Level 2 (Basic Plan)<\/a><\/p>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/03\/STD_FAQs_Symetra_03052025.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Short-Term Disability FAQs<\/a><\/p>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-STD-Swift-Maternity-Claims.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Swift Maternity Claim<\/a><\/p>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-STD-Claim-Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Short-Term Disability Claim Form<\/a><\/p>\n<p>[\/vc_column_text][\/vc_modal][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"<p>[vc_row top=&#8221;120px&#8221; content_fadeout=&#8221;content-fadeout&#8221; font_weight=&#8221;normal&#8221; textalign=&#8221;left&#8221; bg_type=&#8221;image&#8221; bg_cover=&#8221;cover&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_position=&#8221;Center top&#8221; slope_bottom=&#8221;slope-bottom&#8221; slope_bottom_height=&#8221;60px&#8221; slope_height_mobile=&#8221;30px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#ffffff&#8221; bg_color=&#8221;#234466&#8243; slope_bottom_color=&#8221;#ffffff&#8221; bg_image=&#8221;6358&#8243;][vc_column][vc_column_text] Short-Term Disability Insurance [\/vc_column_text][\/vc_column][\/vc_row][vc_row top=&#8221;40px&#8221; bottom=&#8221;0px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#696969&#8243;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1607398623487{padding-right: 40px !important;}&#8221;][vc_column_text] About the Plans [\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]Your income pays for everything from housing and utilities, to food, childcare, and much more. If you are like most people, being without income because of an unexpected illness or injury could have serious financial consequences. That\u2019s where Short-Term Disability Insurance&#8230;  <\/p>\n<div class=\"read-more\"><a class=\"excerpt-read-more\" href=\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/\" title=\"Continue reading Short Term Disability\">Read more<i class=\"fa fa-angle-right\"><\/i><\/a><\/div>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full-width.php","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-5732","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Short Term Disability - Odyssey Employee Benefits<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Short Term Disability - Odyssey Employee Benefits\" \/>\n<meta property=\"og:description\" content=\"[vc_row top=&#8221;120px&#8221; content_fadeout=&#8221;content-fadeout&#8221; font_weight=&#8221;normal&#8221; textalign=&#8221;left&#8221; bg_type=&#8221;image&#8221; bg_cover=&#8221;cover&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_position=&#8221;Center top&#8221; slope_bottom=&#8221;slope-bottom&#8221; slope_bottom_height=&#8221;60px&#8221; slope_height_mobile=&#8221;30px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#ffffff&#8221; bg_color=&#8221;#234466&#8243; slope_bottom_color=&#8221;#ffffff&#8221; bg_image=&#8221;6358&#8243;][vc_column][vc_column_text] Short-Term Disability Insurance [\/vc_column_text][\/vc_column][\/vc_row][vc_row top=&#8221;40px&#8221; bottom=&#8221;0px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#696969&#8243;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1607398623487{padding-right: 40px !important;}&#8221;][vc_column_text] About the Plans [\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]Your income pays for everything from housing and utilities, to food, childcare, and much more. If you are like most people, being without income because of an unexpected illness or injury could have serious financial consequences. That\u2019s where Short-Term Disability Insurance... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/\" \/>\n<meta property=\"og:site_name\" content=\"Odyssey Employee Benefits\" \/>\n<meta property=\"article:modified_time\" content=\"2025-03-05T21:32:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"86\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/\",\"url\":\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/\",\"name\":\"Short Term Disability - Odyssey Employee Benefits\",\"isPartOf\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\",\"datePublished\":\"2020-11-10T17:13:32+00:00\",\"dateModified\":\"2025-03-05T21:32:23+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/short-term-disability\/#primaryimage\",\"url\":\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\",\"contentUrl\":\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\",\"width\":500,\"height\":86,\"caption\":\"symetra-logo\"},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/#website\",\"url\":\"https:\/\/odysseyconsult.com\/benefits\/\",\"name\":\"Odyssey Employee Benefits\",\"description\":\"Benefits\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/odysseyconsult.com\/benefits\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Short Term Disability - Odyssey Employee Benefits","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Short Term Disability - Odyssey Employee Benefits","og_description":"[vc_row top=&#8221;120px&#8221; content_fadeout=&#8221;content-fadeout&#8221; font_weight=&#8221;normal&#8221; textalign=&#8221;left&#8221; bg_type=&#8221;image&#8221; bg_cover=&#8221;cover&#8221; bg_repeat=&#8221;no-repeat&#8221; bg_position=&#8221;Center top&#8221; slope_bottom=&#8221;slope-bottom&#8221; slope_bottom_height=&#8221;60px&#8221; slope_height_mobile=&#8221;30px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#ffffff&#8221; bg_color=&#8221;#234466&#8243; slope_bottom_color=&#8221;#ffffff&#8221; bg_image=&#8221;6358&#8243;][vc_column][vc_column_text] Short-Term Disability Insurance [\/vc_column_text][\/vc_column][\/vc_row][vc_row top=&#8221;40px&#8221; bottom=&#8221;0px&#8221; row_seperator=&#8221;no-seperator&#8221; font_color=&#8221;#696969&#8243;][vc_column width=&#8221;2\/3&#8243; css=&#8221;.vc_custom_1607398623487{padding-right: 40px !important;}&#8221;][vc_column_text] About the Plans [\/vc_column_text][vc_empty_space height=&#8221;20px&#8221;][vc_column_text]Your income pays for everything from housing and utilities, to food, childcare, and much more. 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