Income ProtectionNo Medical Exam
Your Paycheck Keeps Coming
If an injury or illness keeps you from working, disability insurance replaces your income so you can focus on getting better, not worrying about how to pay the bills.
Get Personalized Options
A licensed advisor will contact you within 24 hours.
60-70%
Income ReplacementNo Exam
For Many Policies1 in 4
Workers Disabled Before 67Simple Process
How It Works
From inquiry to coverage in three straightforward steps.
1
Tell Us About Yourself
Share your occupation, income, and basic info. A licensed advisor will review your needs and find the right coverage options.
2
Answer Health Questions
Complete a short application with basic health questions. No medical exam, no lab work, no doctor visits for many policies.
3
Get Covered
Once approved, your policy is active and stored in your MedaSynq Vault. If you ever need to file a claim, we handle it.
Coverage Options
Types of Disability Coverage
Choose the coverage that fits your situation. A licensed advisor will help you find the right combination.
Short-Term Disability
Benefits for 3 to 6 months. Covers recovery from surgery, injuries, illness, and maternity leave. Payments start within days or weeks.
Long-Term Disability
Benefits for years, sometimes until retirement. Covers chronic conditions, serious injuries, and long recoveries. Begins after a 90-day waiting period.
Accident & Sickness
Comprehensive coverage for both accidents and illnesses. Covers everything from back injuries to cancer treatment to mental health conditions.
60-70% Income Replacement
Most policies replace 60-70% of your gross income. Benefits are often tax-free when you pay the premiums, approximating your take-home pay.
Who Needs It
Your Income Is Your Most Valuable Asset
You insure your car, your home, and your health. Disability insurance protects the thing that pays for all of it.
Primary Income Earners
If your household depends on your income, disability insurance ensures the bills get paid while you recover.
Self-Employed & Freelancers
No employer safety net. If you stop working, your income stops. Disability insurance keeps your business and life afloat.
Anyone Without Employer Coverage
Many employers offer limited or no disability benefits. An individual policy gives you portable protection that stays with you.
The Numbers Say It All
More than 1 in 4 of today's 20-year-olds will become disabled before reaching retirement age, according to the Social Security Administration.
Common Questions
Frequently Asked Questions
Everything you need to know about disability insurance.
Disability insurance replaces a portion of your income if an illness or injury prevents you from working. It provides regular monthly payments — typically 60-70% of your pre-disability income — so you can cover essential expenses like rent, mortgage, groceries, and utilities while you recover.
Short-term disability insurance typically covers you for 3 to 6 months after a qualifying disability, with benefits starting within days or weeks. Long-term disability insurance kicks in after a longer waiting period (usually 90 days) but can provide benefits for years — sometimes until retirement age. Many people carry both for comprehensive protection.
Anyone who depends on their income to pay bills should consider disability insurance. This includes primary income earners, self-employed individuals, freelancers, and anyone whose employer does not provide disability coverage. According to the Social Security Administration, more than 1 in 4 of today's 20-year-olds will become disabled before reaching age 67.
Most disability insurance policies replace 60-70% of your gross income. This percentage is designed to approximate your take-home pay, since disability benefits are often tax-free when you pay the premiums yourself. The exact benefit amount depends on your policy and income level.
Many disability insurance policies do not require a medical exam. You will answer health questions during the application process, and underwriting is based on your age, occupation, health history, and income. A licensed advisor can help you find policies that match your situation.
The definition varies by policy. 'Own occupation' policies pay benefits if you cannot perform the duties of your specific job. 'Any occupation' policies pay only if you cannot work in any job suited to your education and experience. Own-occupation policies provide broader protection and are generally recommended. Your advisor will explain the differences.
Some employers offer short-term disability as a benefit, but coverage is often limited — typically 60% of base salary for a short period. Most employer plans do not cover bonuses or commissions, and coverage ends if you leave the job. An individual disability policy is portable and stays with you regardless of where you work.
MedaSynq is a licensed insurance agency that combines insurance purchasing with secure policy storage and claims assistance. When you purchase a policy through MedaSynq, it is automatically stored in your Vault so you and your beneficiaries always know where to find it. If you ever need to file a claim, our Claim Assist service handles the entire process. MedaSynq is not an insurance company — policies are underwritten and issued by our carrier partners.
Protect Your Income Today
More than 1 in 4 workers will experience a disability before retirement. Your income is your most valuable asset — protect it before something happens. Talk to a licensed advisor today.
Already have policies? Store them in Vault so your family can always find them.
MedaSynq Insurance Services (FL License #L136167) is a licensed insurance agency. Insurance products are underwritten and issued by Assurity Life Insurance Company, Lincoln, NE (AM Best A- Excellent). Product availability, features, and rates vary by state and are subject to underwriting approval.