Disability Income Protection

Experiencing an illness or injury that prevents you from working can be a difficult time for you and your family, especially when it comes to financial hardship. Disability insurance provides a solution by replacing a portion of your income, allowing you to continue paying bills and meeting financial obligations. Ursus Inc. partners with Principal Financial to bring you Disability Income Protection. 

Voluntary Short Term Disability (STD)

Short Term Disability Plan begins on the 6th day of disability and pays 60% of your base salary to a maximum of $2,308 per week. Benefits end when you are no longer disabled or a maximum of 12 weeks.  STD provides wage replacement in the event you are unable to work due to: 

• Pregnancy issues and childbirth recovery 
• Prolonged illness or injury 
• Surgery and recovery time 

Voluntary Long Term Disability (LTD)

hort Term Disability Plan begins after 90 days of disability and pays 60% of your base salary to a maximum of $10,000 monthly. Benefits end when you are no longer disabled or until age 65.  STD provides wage replacement in the event you are unable to work due to: 

• Debilitating illness (cancer, heart disease, etc.) 
• Serious injuries (accident, etc.) 
• Heart attack, stroke 
• Mental disorders 

If you qualify, LTD benefits begin after short-term disability benefits end. Payments may be reduced by state, federal, or private disability benefits you receive while disabled.