{"id":6271,"date":"2020-12-25T17:38:55","date_gmt":"2020-12-25T22:38:55","guid":{"rendered":"https:\/\/benefits.odysseyconsult.com\/?page_id=6271"},"modified":"2025-01-16T21:06:51","modified_gmt":"2025-01-17T02:06:51","slug":"long-term-disability","status":"publish","type":"page","link":"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/","title":{"rendered":"Long-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\">Long-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]Long-Term Disability Insurance (LTD) is a type of income protection designed to cover serious injuries and illnesses that keep you out of work for three (3) months or longer. This includes permanent disabilities that leave you unable to return to work.<\/p>\n<p>This benefit pays 60% of your monthly income to a maximum of $10,000, and includes the following:<\/p>\n<ul style=\"margin-bottom: 1em;\">\n<li>Return to Work Incentive<\/li>\n<li>Survivor Benefit<\/li>\n<li>Managed Rehabilitation Benefit<\/li>\n<li>Child Care Benefit<\/li>\n<li>Waiver of Premium Benefit<\/li>\n<\/ul>\n<p><strong>Odyssey offers two options for Long-Term Disability Insurance\u2014a voluntary, employee-funded 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_1737079356045{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 Long-Term Disability\u2014Coverage Level 1 (Tax Choice Plan)<br \/>\n<\/strong>Offers you the ability to pay the LTD premiums on a per pay period basis. When \/ if you need to use the benefit, you will receive funds tax free.[\/vc_column_text][vc_empty_space height=&#8221;10px&#8221;][vc_column_text css=&#8221;.vc_custom_1737079608806{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 Long-Term Disability\u2014Coverage Level 2 (Basic Plan)<\/strong><br \/>\nYou are automatically enrolled in this LTD plan if you decline the Tax Choice option. This benefit, if needed, will require you to pay taxes on any funds received.[\/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_1737074526662{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_1610075147104{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_1609208450819{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_ltd\" 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 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_ltd&#8221;][vc_column_text]<\/p>\n<h3 style=\"color: #36353c; font-size: 30px; margin-bottom: 1em;\">Long-Term Disability Insurance Plan Documents &amp; Summaries<\/h3>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-LTD-CL1-Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Long-Term Disability Summary\u2014Coverage Level 1 (Tax Choice Plan)<\/a><\/p>\n<p class=\"sidebar-sm-text\"><a href=\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/Odyssey-Symetra-LTD-CL2-Summary.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Long-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\/01\/Odyssey-Symetra-LTD-FAQs.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Long-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-LTD-Claim-Form.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Symetra Long-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] Long-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]Long-Term Disability Insurance (LTD) is a type of income protection designed to cover serious injuries and illnesses that keep you out of work for three (3) months or longer. This includes permanent disabilities that leave you unable to return to work&#8230;.  <\/p>\n<div class=\"read-more\"><a class=\"excerpt-read-more\" href=\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/\" title=\"Continue reading Long-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-6271","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>Long-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=\"Long-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] Long-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]Long-Term Disability Insurance (LTD) is a type of income protection designed to cover serious injuries and illnesses that keep you out of work for three (3) months or longer. This includes permanent disabilities that leave you unable to return to work.... Read more\" \/>\n<meta property=\"og:url\" content=\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/\" \/>\n<meta property=\"og:site_name\" content=\"Odyssey Employee Benefits\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-17T02:06:51+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\/long-term-disability\/\",\"url\":\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/\",\"name\":\"Long-Term Disability - Odyssey Employee Benefits\",\"isPartOf\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/odysseyconsult.com\/benefits\/wp-content\/uploads\/sites\/14\/2025\/01\/logo-symetra-2.png\",\"datePublished\":\"2020-12-25T22:38:55+00:00\",\"dateModified\":\"2025-01-17T02:06:51+00:00\",\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/odysseyconsult.com\/benefits\/long-term-disability\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/odysseyconsult.com\/benefits\/long-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":"Long-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":"Long-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] Long-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]Long-Term Disability Insurance (LTD) is a type of income protection designed to cover serious injuries and illnesses that keep you out of work for three (3) months or longer. 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