Podcasts about Disability insurance

Physicians earning $400K are living paycheck to paycheck—and an 18th-century psychology trap is why.  Roughly 30% of doctors over 60 don't have $1M in net worth, even counting their home. Justin Harvey and Dr. Jimmy Turner unpack the behavioral-finance forces—the Diderot Effect, lifestyle creep, and leverage—that quietly erode physician wealth, and the simple framework that lets you spend guilt-free while still building real options.Resources: Disability Insurance: Every physician needs Disability Insurance from MMM Disability Insurance. Click here to get a Quote from Money Meets Medicine Disability Insurance Looking for a new CPA? Use the one that Dr. Jimmy Turner personally uses and recommends (Gelt). Click here to get a 10% discount code on services when working with Gelt. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

In this episode of Cover Your Assets, Billy Gwaltney addresses whether residents and fellows should wait until graduation to purchase guaranteed standard issue disability insurance. He covers the benefits, timing, and strategic considerations for securing disability coverage during training using his expertise in disability insurance.Chapters(00:20) Welcome(03:04) The Importance of Securing Coverage Early(05:54) Navigating the Risks of Waiting for InsuranceThe Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.

Today, Amy and Jag look at a financial risk that is easy to ignore because it does not feel urgent in the moment: the cost of doing nothing. In this episode, we focus on how delays in financial decisions can quietly create long term consequences, especially for healthcare professionals who are used to acting quickly at work but may postpone choices in their own financial lives. The central idea is simple. Inaction is still a decision, and over time it can carry a real cost. Amy explains that many financial delays do not come with immediate pain. Income is still coming in, accounts still exist, and nothing appears broken. That makes it easy to leave cash uninvested, skip HSA contributions, ignore open enrollment changes, or delay insurance decisions. But time is often the thing being lost, and time can translate into large amounts of money. A $100,000 cash balance left sitting too long can mean missing tens of thousands of dollars in growth. Missed HSA contributions can reduce both tax savings and long term wealth. Idle cash spread across accounts may not seem serious until the total missed opportunity becomes clear. The episode also highlights timing windows that matter. Open enrollment, tax planning before year end, lower income years that create Roth conversion opportunities, and insurance decisions made while health is still favorable can all have meaningful financial impact. Amy gives several examples where waiting leads to higher taxes, less retirement savings, or insurance that becomes more expensive or unavailable. She also notes that rule changes can remove options people assumed would still be there later. A major theme in the conversation is that the biggest mistakes are often basic ones that never get revisited. People repeat the same benefits elections, forget to update beneficiaries, let cash build up unintentionally, and miss planning opportunities because nothing forces action. Amy stresses that beneficiary designations override a will, which makes that one of the fastest and most important items to review. She also emphasizes income protection through insurance and the importance of identifying unintentional cash balances. The practical advice is to start small and focus on what matters most. Review beneficiaries. Check insurance coverage. Look for idle cash. Make a short list of what has a deadline, what affects family, and what becomes more expensive if delayed. Amy suggests one or two intentional financial reviews each year, along with a pre year end tax check and regular check ins on the biggest issues. The message is not to do everything at once. It is to notice what has been sitting too long and move it forward. Doing nothing feels neutral, but it is often where the biggest hidden costs begin. (00:00) Intro (00:16) Why financial inaction feels harmless (01:50) The real cost of waiting (03:10) Missed HSA contributions and idle cash (04:29) How to triage financial decisions (05:00) Tax timing and lower income years (06:14) Why insurance gets riskier to delay (06:51) Decisions that get more expensive over time (10:05) Common mistakes people make when they delay (12:18) Where to start fixing it (17:57) Key takeaways To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.The ThimbleberryU Podcast is produced by JAG Podcast Productions - https://jagpodcastproductions.com/

#ThisMorning | #Disability #Insurance: #Protect Your #Paycheck | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #wellness

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On this episode of the Cover Your Assets podcast, Billy Gwaltney explores critical financial strategies for physicians, focusing on an often-overlooked topic: the knockout questions related to missed work when applying for Guardian's Guaranteed Standard Issue (GSI) disability insurance. As a disability insurance specialist, Billy breaks down the crucial aspects of GSI, including what you need to know to safeguard your coverage.KeywordsDisability Insurance, Guardian GSI, Medical Residency, Physician Coverage, Insurance EligibilityThe Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc., shows you exactly what you need to do to protect your income and way of life.For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online. Stay up to date with Billy on Facebook and LinkedIn.If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com.

Text Dr. Lenz any feedback or questions Dr. Stephanie Pearson on Workplace Injury, Invisible Disability Claims, and Disability Insurance PitfallsDr. Stephanie Pearson, an OB-GYN, describes how a workplace shoulder injury during a delivery led to chronic pain, failed surgery outcomes, job termination after FMLA, and denial of her hospital disability coverage due to a fine-print work-injury exclusion, followed by a disputed workers' comp claim and a settlement after litigation. She explains how invisible or subjective conditions (e.g., chronic pain, fibromyalgia, headaches) are often doubted by clinicians and challenged by insurers, why “gray” cases face scrutiny, and how documentation of worst-day functional limits and timely medical-record collection are critical, including possible IMEs. Pearson contrasts employer group vs private disability insurance, highlighting taxable group benefits, benefit caps, portability issues, and common two-year limitations for subjective illnesses, while private policies depend on underwriting, exclusions, and participation limits. She also discusses underwriting impacts of medical coding, runs a physician peer support group, and shares personal recovery supports and her company's client advocacy approach.00:00 Meet Dr Pearson01:23 Injury In Delivery Room02:25 Surgery And Termination03:03 Denied And Sued04:11 Mental Health Crisis05:54 New Purpose And Company06:40 Invisible Illness Bias09:05 Building A Paper Trail12:59 Independent Medical Exams16:33 Group Versus Private Coverage19:25 Subjective Illness Limits23:12 Underwriting Exclusions24:28 Fibromyalgia Stigma25:15 Contracts And Legal Review25:44 Coverage Limits Explained28:44 Underwriting and Intake Process29:54 Medical History Surprises32:10 No Underwriting Options33:32 Psych Diagnosis Pitfalls36:26 Staying Properly Insured38:44 Claims SuClick here for the YouTube Channel  Click here for the YouTube channel International Conference on ADHD in November 2025 where Dr. Lenz will be one of the speakers. Support the showWhen I started this podcast and YouTube Channel—and the book that came before it—I had my patients in mind. Office visits are short, but understanding complex, often misunderstood conditions like fibromyalgia takes time. That's why I created this space: to offer education, validation, and hope.  If you've been told fibromyalgia “isn't real” or that it's “all in your head,” know this—I see you. I believe you. This podcast aims to affirm your experience and explain the science behind it. Whether you live with fibromyalgia, care for someone who does, or are a healthcare professional looking to better support patients, you'll find trusted, evidence-based insights here, drawn from my 29+ years as an MD.Please remember to talk with your doctor about your symptoms and care. This content doesn't replace per...

Jeremy Keil walks through three critical questions future retirees can answer before their paycheck stops Most people spend decades preparing for retirement by focusing on one number: How much have I saved? But retirement isn't really about the size of your portfolio. It's about whether you can turn that portfolio into reliable income that supports the life you want. That transition—from saving money to living on it—is where retirement planning becomes real. And if you're retiring within the next 12 months, there are three questions you can answer before your paycheck stops. Question #1: How Much Monthly Income Do I Actually Need? Unfortunately, this is where many people start with the wrong approach. Most retirees try building a budget from scratch. They estimate utilities, groceries, gas, dining out, subscriptions, and dozens of other categories. The problem? Those budgets are almost always wrong. They tend to assume: Nothing unexpected happens You never spend impulsively You never travel more than expected You never have major one-time expenses Instead of trying to build a perfect budget from zero, Jeremy recommends a simpler and often more accurate approach: Look at what already happened. Specifically:What actually went into your checking account over the last 12–24 months? Because in most households, what goes into checking eventually gets spent. That “take-home pay” becomes a much better starting point for estimating retirement income needs. But there are a few important adjustments. Don't Forget These Costs Your paycheck today already has several things removed before it hits your checking account: Taxes Health insurance Retirement savings contributions Once you retire: You may stop saving for retirement Your health insurance costs may change Your tax situation will likely change That means your gross salary is not the same as your retirement income need. Many find it valuable to separate out: Mortgage costs Annual expenses (property taxes, insurance, vacations) Large one-time expenses Pre-65 vs. post-65 healthcare costs Retirement spending isn't just monthly bills. It's the full picture. Question #2: When Should I Take Social Security? Most people already have an answer to this question before they ever run the numbers. And often, that decision is emotional. Maybe a parent died young. Maybe a friend claimed at 62. Maybe someone simply wants to “get their money.” But what if you about Social Security differently? Not as an investment. As insurance. The official name of the program is Old-age, Survivors, and Disability Insurance. That framing matters. Social Security exists to help: If you live longer than expected If one spouse dies earlier than expected If inflation remains high If markets struggle during retirement In other words, Social Security is there to protect against things not going according to plan. That's why filing decisions shouldn't be based only on “break-even” calculators. The better question is:What role does Social Security play in protecting your retirement? Question #3: How Should I Adjust My Investments Before Retirement? One of the biggest mistakes retirees make is treating retirement like a light switch. They assume:Growth before retirement.Income after retirement. But markets don't work on your timeline. Jeremy shared a powerful example from 2020:People planning to retire within a year stayed fully invested in stocks because markets had been performing well. Then COVID hit. Markets dropped sharply, and many panicked—selling near the bottom because they suddenly realized they needed that money soon. The issue wasn't just the market drop. It was that their investments weren't aligned with their time horizon. Your Investments Should Be Ready Early Get your investments ready to retire three years before retirement. Why? Because roughly half of retirees stop working earlier than expected. If your investments are prepared ahead of time: Market volatility becomes less stressful You have short-term money available if needed You're less likely to panic during downturns You gain flexibility if retirement comes sooner than planned But there's balance here too. Retirement doesn't mean abandoning long-term growth entirely. If retirement could last 25–30 years, some money still needs long-term growth potential. The key is having: Short-term money for near-term needs Long-term money for future growth Not all one or all the other. The Bottom Line Retirement isn't just about stopping work. It's about replacing a paycheck with a plan. And before your paycheck disappears, you should know: What your lifestyle actually costs What role Social Security plays in your plan Whether your investments are prepared for retirement realities Because when those three pieces work together, retirement becomes much more than a date on the calendar. It becomes sustainable. Don't forget to leave a rating for the “Retire Today” podcast if you've been enjoying these episodes! Subscribe to Retire Today to get new episodes every Wednesday. Apple Podcasts: https://podcasts.apple.com/us/podcast/retire-today/id1488769337  Spotify Podcasts: https://bit.ly/RetireTodaySpotify About the Author: Jeremy Keil, CFP®, CFA is a retirement financial advisor with Keil Financial Partners, author of Retire Today: Create Your Retirement Income Plan in 5 Simple Steps, and host of the Retirement Today blog and podcast, as well as the Mr. Retirement YouTube channel. Jeremy is a contributor to Kiplinger and is frequently cited in publications like the Wall Street Journal and New York Times. Additional Links: Buy Jeremy's book – Retire Today: Create Your Retirement Master Plan in 5 Simple Steps “Retiring in the Next 12 Months? Answer These 3 Questions Before Your Paycheck Stops” – by Jeremy Keil, Kiplinger Magazine 5StepRetirementplan.com  Connect With Jeremy Keil: Keil Financial Partners LinkedIn: Jeremy Keil Facebook: Jeremy Keil LinkedIn: Keil Financial Partners YouTube: Mr. Retirement Book an Intro Call with Jeremy's Team Media Disclosures: Disclosures This media is provided for informational and educational purposes only and does not consider the investment objectives, financial situation, or particular needs of any consumer. Nothing in this program should be construed as investment, legal, or tax advice, nor as a recommendation to buy, sell, or hold any security or to adopt any investment strategy. The views and opinions expressed are those of the host and any guest, current as of the date of recording, and may change without notice as market, political or economic conditions evolve. All investments involve risk, including the possible loss of principal. Past performance is no guarantee of future results. Legal & Tax Disclosure Consumers should consult their own qualified attorney, CPA, or other professional advisor regarding their specific legal and tax situations. Advisor Disclosures Alongside, LLC, doing business as Keil Financial Partners, is an SEC-registered investment adviser. Registration does not imply a certain level of skill or expertise. Advisory services are delivered through the Alongside, LLC platform. Keil Financial Partners is independent, not owned or operated by Alongside, LLC. Additional information about Alongside, LLC – including its services, fees and any material conflicts of interest – can be found at https://adviserinfo.sec.gov/firm/summary/333587 or by requesting Form ADV Part 2A. The content of this media should not be reproduced or redistributed without the firm’s written consent. Any trademarks or service marks mentioned belong to their respective owners and are used for identification purposes only. Additional Important Disclosures

Your ability to earn income is your most valuable financial asset. Physicians spend years protecting patients, building careers, and accumulating assets, yet many discover too late that the insurance designed to protect their income is full of loopholes, exclusions, and traps. Disability insurance sounds boring until the moment someone needs it, and then it becomes one of the most emotionally and financially consequential topics in medicine.In this episode, we explore the hidden realities of physician disability insurance, why employer policies often fail when doctors need them most, and how to think strategically about protecting future income before health problems appear. We also walk through what physicians should do when filing a disability claim, and how to avoid sabotaging the process from the very beginning.

There's a point in every physician's career where you can stop paying for disability insurance — and most doctors have no idea when that point arrives. In this episode, Dr. Jimmy Turner and Justin Harvey, CFP® break down the full physician insurance stack and tackle a question they've never covered in 270+ episodes: when (if ever) should you drop your disability and term life insurance policies? What you'll learn: Why own-occupation DI is the #1 financial priority for every doctor — even before paying off credit card debt How to make DI affordable on a resident budget Why you should secure disability insurance BEFORE term life (an underwriting issue most docs never hear about) Tail coverage red flags to negotiate before signing a contract The "leverage frame" for keeping coverage after you hit financial independence Jimmy also shares his own cautionary tale: bad advice from an insurance agent as an MS4 left him permanently uninsurable for DI coverage. Don't let that be you.

Send us Fan MailYour ability to earn money is your most valuable financial asset, and most people have zero protection for it.In this episode, Jessica and Brandon break down disability insurance from the ground up: what it actually covers, why your employer's policy probably isn't enough, and how to plug the gaps before something happens.You'll learn:The difference between short-term and long-term disability, and why most people confuse themWhy 60% of your base salary sounds fine until you do the mathThe critical policy feature that determines whether you can actually collect (own occupation vs. any occupation)How the underwriting process works, and why your medical records matter more than you thinkWhy disability insurance may be more important than life insuranceThe future increase rider that lets you grow your coverage without going through medical underwriting againIf you have income and people who depend on it, this episode is non-negotiable.

Send us Fan MailWelcome to this weeks episode of ‘For the Love of Chiropractic - Resources For Your Success'. On this week show we take time to look at , dive into and really discuss protecting the number one resource you have! You may ask , what that is - and I'll tell you it is your ability, your physical ability to practice chiropractic. Not manage the office, not hire ,train or fire people who work for and with you. While all those things are important also, your main job is to see, treat and help people with great chiropractic care- you need to be able to stand next to that table and deliver that great adjustment, exactly the way your patients need it to be done.  So, protecting that ability or at least the financial compensation you receive for being a practicing chiropractic physician is vitally important. It's important not just for you, but all those who depend on you in so many ways. I hope you learn a lot and enjoy my interview with A disability insurance expert - none other than Mr. Aaron Brooker of Leverage Rx. 

In this episode of the Dollar Wise Podcast, host Andrew Barnhart is joined by Taylor West from LLIS to discuss the fundamentals of life insurance and disability insurance planning. They break down why insurance matters as part of a broader financial plan, when coverage is most important, and how to think about protecting your family and income throughout different life stages. Taylor also explains the differences between term and permanent life insurance, how disability coverage works, and why employer-provided benefits may not always be enough.Tune into this episode to also learn:● Why term life insurance is often the best fit for most families.● How “term layering” can help match your insurance coverage to changing financial needs.● What features to look for in a life insurance policy, including convertibility and accelerated death benefits.● Why disability insurance is one of the most important forms of income protection.What we discussed● [00:02:30] Why insurance exists to protect against the unknown and help safeguard loved ones and financial goals.● [00:03:42] The difference between term insurance and permanent life insurance, and why term is often the right solution for most people.● [00:04:50] How term layering works by matching coverage amounts to life stages like raising children, paying off a mortgage, and nearing retirement.● [00:07:42] Important term policy features including child riders, accelerated death benefits, and convertibility options.● [00:10:50] Who may not need life insurance, and the situations where retirees or single individuals still might benefit from coverage.● [00:12:52] What disability insurance is and how it protects your income if you cannot work due to illness or injury.● [00:13:51] The difference between short-term and long-term disability insurance.● [00:14:49] Why employer-sponsored disability coverage may leave gaps due to taxes, income caps, and exclusions for bonus or commission income.● [00:17:10] How much disability insurance you can realistically qualify for and why coverage generally replaces only a portion of income.● [00:18:33] Why almost anyone with years of income ahead of them can benefit from disability insurance, especially early-career professionals and high-income specialists.3 Things To RememberInsurance is a key part of financial planning because it protects against risks that could otherwise derail long-term goals.Term life insurance is often the simplest and most cost-effective way to protect your family during your working years.Disability insurance protects your ability to earn income, and employer coverage alone may not fully cover your needs.Useful LinksConnect with Andrew Barnhardt: abarnhardt@hfmadvisors.com | LinkedInConnect with Taylor West: https://www.linkedin.com/in/taylor-west-20b030ba/Like what you've heard…Learn more about HFM HERESchedule time to speak with us HERECheck out our Financial Wellness Program – HFM Ignite102 WEST HIGH STREET, SUITE 200GLASSBORO, NJ 08028HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

In Part Two of this two-part conversation, Stephanie Pearson shares how personal hardship ultimately led her to build a mission-driven business dedicated to protecting physicians. What began as a deeply personal recovery journey evolved into an education-first approach to disability and life insurance. Rather than setting out with a business plan, Stephanie initially focused on helping other physicians avoid the mistakes and gaps that impacted her own experience. Through organic growth, word-of-mouth referrals, and a partnership that developed naturally, she built a firm centered on advocacy, transparency, and informed decision-making. Stephanie discusses the challenges of transitioning from surgeon to entrepreneur, including the discomfort many physicians feel around sales. She reframes the role not as selling a product, but as educating clients about complex insurance contracts and advocating for their best interests. The conversation explores the critical differences between group and private disability policies, the nuances of policy language, and why specialty-specific definitions of disability are essential for physicians. Her philosophy emphasizes managing expectations, pre-underwriting, and eliminating surprises—treating insurance planning with the same rigor as informed consent in medicine. Beyond insurance mechanics, Stephanie reflects on broader themes relevant to physicians: burnout, identity shifts, entrepreneurship, and the importance of mentorship and community. She encourages physicians considering business ventures to seek mentors, surround themselves with experts, and remain authentic to their mission. For those facing burnout, she stresses the importance of therapy, boundaries, hobbies, and building a support system. Ultimately, her story illustrates how adversity can be transformed into purpose—creating both financial protection for others and personal fulfillment. 3 Key Takeaways Education Over Sales: Disability and life insurance planning for physicians should center on education, transparency, and advocacy—not product pushing. Definitions Matter: The specific language in disability policies (especially specialty-specific definitions) can significantly impact outcomes in the event of a claim. Burnout Requires Intention: Transitioning careers or starting a business is not automatically a cure for burnout; personal work, boundaries, and mentorship are critical.     Learn more, including additional show notes, links, and detailed key takeaways, by visiting physicianswealthpodcast.com. Click here to get your FREE copy of our latest book, Wealth Strategies for Today's Physician!

Health Affairs' Rob Lott interviews David Powell of the University of Pennsylvania about his recent paper exploring new research showing SSDI beneficiaries face significantly elevated mortality during the mandatory two‑year waiting period for Medicare for such beneficiaries, why the waiting period exists, how it affects access to care, and what policy options could better serve this vulnerable population.Order the March 2026 issue of Health Affairs.Currently, more than 70 percent of our content is freely available - and we'd like to keep it that way. With your support, we can continue to keep our digital publication Forefront and podcast for everyone.

Send a textOn this episode of The Get Ready Before Life Happens Podcast, Tony talks with Maxwell Schmitz, Disability Insurance Specialist and Co-Founder of Dingo Technologies, about why income protection is the core building block of a real financial plan.

Support the Institute today. https://givenow.nova.edu/the-institute-for-neuro-immune-medicine-inim-2025   In this episode, Haylie Pomroy sits down with Edward Dabdoub, Founding Attorney of Dabdoub Law Firm, to discuss how he helps patients with chronic illnesses to get the disability benefits they need. Haylie also shares her health journey and how it inspired her to bring experts like Mr. Dabdoub on the show to help others. Mr. Dabdoub shares his personal story, including how his passion for helping people led him to specialize in disability law. His firm fights for clients with long COVID, chronic fatigue syndrome, and other chronic illnesses.  Haylie and Mr. Dabdoub explore the challenges of getting disability insurance and the importance of having an advocate on your side. Tune in to the latest episode of the Hope and Help for Fatigue and Chronic Illness – Disability Insurance Claims: Explained   Learn more about INIM's Research Studies: https://www.nova.edu/nim/research-studies/index.html Atty. Edward Dabdoub is a distinguished disability lawyer at Dabdoub Law Firm, specializing in long-term disability cases. With a strong focus on representing clients against major insurance companies, he has secured numerous favorable outcomes. Atty. Dabdoub is known for his strategic approach and deep understanding of disability law, making him a trusted advocate for those seeking disability benefits.   Book a consultation with Dabdoub Law Firm: Website: https://www.longtermdisability.net/ Call: (888) 812-0393   LinkedIn: https://www.linkedin.com/in/edwarddabdoub/ Facebook: https://www.facebook.com/disabilitylaws Instagram: https://www.instagram.com/dabdoublawfirm/ Twitter: https://twitter.com/ERISAdisability https://twitter.com/disabilitylaws Website: https://www.longtermdisability.net/   Haylie Pomroy, Founder and CEO of The Haylie Pomroy Group, is a leading health strategist specializing in metabolism, weight loss, and integrative wellness. With over 25 years of experience, she has worked with top medical institutions and high-profile clients, developing targeted programs and supplements rooted in the "Food is Medicine" philosophy. Inspired by her own autoimmune journey, she combines expertise in nutrition, biochemistry, and patient advocacy to help others reclaim their health. She is a New York Times bestselling author of The Fast Metabolism Diet.   Learn more about Haylie Pomroy's approach to wellness through her website: https://hayliepomroy.com   Instagram: https://www.instagram.com/hayliepomroy  Facebook: https://www.facebook.com/hayliepomroy  YouTube: https://www.youtube.com/@hayliepomroy/videos  LinkedIn: https://www.linkedin.com/in/hayliepomroy/  X: https://x.com/hayliepomroy    Sign up today for our newsletter. https://nova.us4.list-manage.com/subscribe?u=419072c88a85f355f15ab1257&id=5e03a4de7d    This podcast is brought to you by the Institute for Neuro-Immune Medicine. Learn more about us here.   Website: https://www.nova.edu/nim/ Facebook: https://www.facebook.com/InstituteForNeuroImmuneMedicine Instagram: https://www.instagram.com/NSU_INIM/ Twitter: https://www.twitter.com/NSU_INIM  

Dentists assume they're protected—until they actually need to file a claim. Today, I sit down with disability attorney Ben Glass to unpack hidden traps inside professional disability policies. Misleading definitions, claims denied and progressive conditions vs catastrophic injuries prove preparation before filing is essential. If you're a dentist or healthcare professional who depends on your hands, vision, and stamina to earn a living, this episode is a critical reminder: Bulletproofing your income requires more than paying premiums—it requires understanding what you actually bought. If you like this episode, here are more episodes we think you'll enjoy: Ep #575 - Burn the Boats: How To Retire Without Slowing Down – Jim Palmer Ep #508 - Time Management Principles and Strategies For Success and Enjoyment – Ben Glass Check out the show notes for more information! P.S. Whenever you're ready, here are some other ways I can help fast track you to your Freedom goal (you're closer than you think): 1. Schedule a Call with My Team: If you're tired of running on the hamster wheel, and are looking for a proven blueprint to create more freedom and reduce dependency on your practice income, schedule a call with my team to learn more. 2. Get Your Dentist Retirement Survival Guide: The winds of economic change are here, and now is the time to move to higher ground. This guide gives you the steps to protect your retirement, your family, and your peace of mind. Get the 25-point checklist here. 3. Are You Exit-Ready? Complete this 2-min scorecard to reveal where you stand across the four pillars that determine if you control your exit—or are just waiting for one. You'll get a personalized plan to start building optionality immediately.

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1958: Emily Guy Birken breaks down the essentials of disability insurance for the self-employed, revealing how vital income protection is when you're your own boss. From understanding the nuances of short- and long-term policies to navigating passive income challenges and finding affordable coverage, this article empowers freelancers to make smart, protective financial choices. Read along with the original article(s) here: https://ptmoney.com/disability-insurance-for-the-self-employed-2/ Quotes to ponder: "There may nothing more valuable to your financial health as your ability to earn income." "Basically, it's important to be able to pinpoint the continuing work you do in order to bring in your 'passive' income." "If your house is paid off and you're debt-free, you may be able to get by with a lower payout." Episode references: Breeze – Disability Insurance for the Modern Workforce: https://www.meetbreeze.com Just Answer: https://www.justanswer.com Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 1958: Emily Guy Birken breaks down the essentials of disability insurance for the self-employed, revealing how vital income protection is when you're your own boss. From understanding the nuances of short- and long-term policies to navigating passive income challenges and finding affordable coverage, this article empowers freelancers to make smart, protective financial choices. Read along with the original article(s) here: https://ptmoney.com/disability-insurance-for-the-self-employed-2/ Quotes to ponder: "There may nothing more valuable to your financial health as your ability to earn income." "Basically, it's important to be able to pinpoint the continuing work you do in order to bring in your 'passive' income." "If your house is paid off and you're debt-free, you may be able to get by with a lower payout." Episode references: Breeze – Disability Insurance for the Modern Workforce: https://www.meetbreeze.com Just Answer: https://www.justanswer.com

New year, new goals—but which financial resolutions actually reduce stress and build wealth? We break down practical investing and money habits that help you focus on what matters most, from setting a clear plan to staying disciplined in volatile markets. If you're ready to start the year with clarity and confidence—not noise—this episode is for you.There's a baby boom happening at Henssler—and it sparked an important conversation exploring how welcoming a child changes your financial life and the critical first steps every new parent should take. From putting the right legal protections in place and reviewing insurance coverage, to understanding new tax benefits and when it makes sense to start saving for college, this episode offers a clear financial starting point during one of life's biggest transitions.After the break, we tackle two timely listener questions that many investors are quietly asking. First, does it make sense to step away from work at 50 and use Substantially Equal Periodic Payments (SEPP) to access retirement funds early? Then, with the Magnificent Seven driving much of the market's recent gains, we discuss whether now may be the right time to take some profits and diversify into income-producing dividend ETFs. If you're weighing early retirement strategies or wondering how concentrated your portfolio has become, this segment offers practical perspective—and a few important cautions.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — January 3, 2026  |  Season 40, Episode 1Timestamps and Chapters8:26: Start the Year Right: Simple Steps for Financial Health20:03: Henssler Baby Boom: Planning for the Littlest Investors39:11: Hot Questions, Smart Answers Follow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Thinking about buying a dental practice but overwhelmed by insurance, student loans, and timing?

When your ability to earn is one of your greatest assets, understanding how to protect it becomes essential. In this eye-opening conversation, Dr. Felecia Froe sits down with long-term disability attorney Benjamin Glass to unravel the most misunderstood yet critically important part of a physician's financial foundation: disability insurance. Benjamin brings 42 years of experience helping professionals navigate denied claims, identify policy gaps, and rethink how disability protection plays into their long-term wealth strategy.    From the dangers of relying solely on employer-provided coverage to real stories of physicians who left millions on the table due to bad advice, this episode highlights why knowing your policy before you need it can be life-changing. Through practical insights and compassionate guidance, Benjamin also reminds listeners that a disability diagnosis doesn't end your purpose, may even open doors to the next chapter of your legacy.   00:00 – Why Disability Insurance Matters for Physicians 04:31 – Group Policies vs. Individual Policies: The Critical Differences 10:46 – Common Mistakes Doctors Make — And the Costly Consequences 17:51 – When and How to File a Claim (And Why Timing Matters) 26:31 – Progressive Illness, Partial Disability & Real-Life Scenarios 34:46 – Purpose, Transition & Protecting Your Freedom Long-Term  

Our host, Seth Gershenson, speaks to Pierre Koning and Carlos Riumalló-Herl, recipients of the 2025 Vernon Memorial Award, about their article “Selective exercise of discretion in disability insurance awards.”

Let's do a quick review of disability insurance!  In this episode of Financial Clarity for Doctors, hosts Rachelle Vanderzanden and Corey Janoff dive into the details of long-term disability insurance.  This coverage is very important for anyone who is still reliant on their income. Discussion topics include: When and why you need this insurance. Different kinds of disability insurance. Details of long-term disability including a breakdown of many common riders. A comparison of employer/group coverage vs. individual coverage. How to apply for coverage. When you may need to increase your coverage and when it's okay to cancel it. No one likes paying for insurance, but insurance allows you to share some larger financial risks with a third party.  Disability insurance is a great example of that.  Most of us feel invincible until we're not. For more financial planning tips from Corey and Rachelle, you can reach out to them at podcast@thefinitygroup.com. They would love to hear your questions and ideas for upcoming episodes. Discussions in this show should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA/SIPC. Advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Finity Group, LLC and Cambridge are not affiliated. Cambridge does not offer tax or legal advice.

Hometown Radio 11/03/25 4p: Beverly Johnson weighs the pros and cons of long care disability insurance

In this episode, we'll explore why muscle strength is a game-changer for dental professionals, the key muscle groups you need to focus on, and simple exercises to keep you strong, stable, and pain-free. To tell us more about it is our guest, Katrina Klein. Katrina is a registered dental hygienist for 16 years, national speaker, author, competitive bodybuilder and certified personal trainer. She's the founder of ErgoFitLife, where ergonomics and fitness are a lifestyle to prevent, reduce or eliminate pain. Thanks to our episode sponsors: BISCO - https://www.bisco.com/ Solventum - https://www.solventum.com/en-us/home/oral-care/

Health insurance costs are climbing, and this year's open enrollment feels tougher than ever. Premiums are up, deductibles are higher, and plans seem designed to confuse you. In this episode, Jess and Brandon walk through how to actually compare your options by looking at total yearly cost, not just the monthly premium. You'll learn how to plan for high-cost years with surgeries or pregnancies versus lower-cost preventive years, and how to understand how network changes, prescriptions, and hidden fees can impact your real out-of-pocket costs.They also break down the tools that help you fight rising healthcare costs:HSAs: triple tax advantages and long-term growth potentialFSAs and Dependent Care FSAs: pre-tax savings for medical and childcare costsShort Term Disability: using it for maternity or recovery timeGroup Life and Disability Insurance: what's covered and where the gaps areIf your health plan feels more expensive but offers less, this episode helps you make the smartest choice for your family and your wallet.Head over to our YouTube channel to catch this episode in full video form.Apply to be a guest on the show.You can also email us at: thesugardaddypodcast@gmail.comConnect with us on InstagramWe're most active over at @thesugardaddypodcastChat with BrandonWant to work together? Learn more about BrandonBook a free 30-min call to see if it's a fit.Show us some love, hit subscribe, leave a five star rating, and drop a quick review!Money, relationships, and the mindset to master both. Hosted by financial advisor Brandon and his wife Jess, The Sugar Daddy Podcast breaks down how to build wealth, unpack old money beliefs, and have real conversations about love and finances. Our mission? To help couples and individuals grow rich in every sense of the word: emotionally, relationally and financially.

Episode 610:  Don't let illness or injury derail your finances – discover why short-term and long-term disability coverage may be the most important protection you don't have. Next, Justin and Matthew break down why the Fed isn't the only force influencing mortgage rates and what other factors help determine what borrowers pay.

In episode 149 of the Federal Retirement Show, Val takes a deep dive into one of the most critical yet often misunderstood aspects of federal employment — Disability Insurance. Whether you're just starting your federal career or nearing retirement, understanding how disability benefits work can be vital for protecting your income and planning for the unexpected. Don’t miss this episode if you’re looking to secure your financial future as a federal employee. Make sure to subscribe to The Federal Retirement Show for more episodes and leave us a review! Have questions about retirement planning or other financial topics? Connect with Val and the topic could be featured in future episodes! Don't forget to leave a review and share this podcast with anyone looking to boost their financial knowledge. --- Listen to Previous Episodes: https://federalretirementshow.com/podcasts/ Subscribe to the show’s YouTube channel:www.youtube.com/@americanbenefitsexchange --- Connect with Val:Phone --- (512) 582-6050Email --- vmajewski@thinkabx.comAmerican Benefits Exchange --- thinkabx.comFederal Retirement Show --- federalretirementshow.com/podcastsLinkedIn --- https://www.linkedin.com/company/american-benefits-exchange/ --- About American Benefits Exchange: American Benefits Exchange focuses on providing solid financial solutions to Federal, postal, and state employees as well as members of the United States Armed Forces and small businesses. American Benefits Exchange brings years of experience and knowledge to support these niche markets. American Benefits Exchange, along with its provider companies, truly understands the needs of civil service employees. A portfolio of products is available to address important financial issues such as planning for retirement, FEGLI Option B replacement, Thrift Savings Plan Rollovers, and Pension Maximization.See omnystudio.com/listener for privacy information.

Insurance isn't boring—it's the foundation of your wealth plan. Most people treat it like an afterthought, only glancing at benefits during open enrollment and hoping nothing bad happens. That's exactly why so many families end up scrambling when life hits them with the unexpected.In this episode, I sit down with Maxwell Schmitz, a disability insurance and income protection expert, to rip apart the myths and excuses around insurance. We cover the psychology behind why people ignore it, the real risks you're facing, and why disability insurance is more likely to impact your life than death during your working years.We break down the most common myths:“I'm too young for that.”“I've got coverage through work, I'm good.”“Insurance is a waste of money.”Max exposes the flaws in that thinking with numbers, stories, and blunt truth. We also dive into why group plans don't cover nearly as much as you think, why cost isn't the real barrier, and how insurance fits on the defensive side of your wealth strategy.You'll walk away knowing the exact policies to check before the year ends, the one question you should be asking your advisor, and why your emergency fund is the first move if you do nothing else.This is a raw, no-BS conversation about protecting your income, your family, and your peace of mind. Watch the full episode on YouTube: https://youtu.be/aCx9zCcjhIIAs always we ask you to comment, DM, whatever it takes to have a conversation to help you take the next step in your journey, reach out on any platform!Twitter, FaceBook, Instagram, Tiktok, LinkedinDISCLOSURE: Awards and rankings by third parties are not indicative of future performance or client investment success. Past performance does not guarantee future results. All investment strategies carry profit/loss potential and cannot eliminate investment risks. Information discussed may not reflect current positions/recommendations. While believed accurate, Black Mammoth does not guarantee information accuracy. This broadcast is not a solicitation for securities transactions or personalized investment advice. Tax/estate planning information is general - consult professionals for specific situations. Full disclosures at www.blackmammoth.com.

Robert catches up with Da'Sha about a variety of topics including disability income insurance, vaccine mandates for school children, and what to do with his remains if he dies overseas. BMFCE: Insurance producers and adjusters can earn insurance continuing education credit listening to Robert's live webinars. No test required for credit! BMFCE.com. The show is supported by Mercury Protect. Protect against those pricey unexpected auto repair headaches. Mercury offers a Monthly Vehicle Repair Plan that never expires with time or mileage. These plans include 24-hour roadside assistance and rental vehicle assistance. Mercury has been protecting vehicles since 1974, with over $6.7 billion in assets, Mercury will be there when you need them. Click for a quote!

GoFundMe should never be your family's financial plan.In this episode Jess & Brandon break down why life insurance is a non-negotiable part of smart financial planning, no matter your age, income, or relationship status.They share a powerful, heartbreaking story of a brilliant friend who passed away at 38, leaving behind a wife and young child with no coverage, and no financial protection. It's a harsh wake-up call and a reminder that life can change in an instant.Here's what you'll learn:Why everyone needs life insurance, even if you're single or child-freeWhy employer-provided coverage is usually not enoughHow your health and age impact coverage cost (and why timing matters)How to set up beneficiaries correctly for estate planningWhy life insurance isn't about fear, it's about love and legacyThis episode isn't just informative, it's personal. Whether you're building wealth or just starting your financial journey, this conversation could be the most important one you hear all year.Watch this episode in video form on YouTubeTo apply to be a guest on the showYou can email us at: thesugardaddypodcast@gmail.comBe sure to connect with us on socials @thesugardaddypodcast we are most active on InstagramLearn more about Brandon and schedule a free 30-minute introductory call with him Please remember to subscribe, rate, and review.Notes from the show:Episode 59: Wills & Trusts: Essential Estate Planning Tips from Attorney, Nicola Rochester RobinsonEpisode 7: Protection Planning: Why You Need Life and Disability Insurance

Disability insurance may feel like just another thing physicians have to figure out. Like a retirement account, your employer may offer a plan, but that is almost never enough to cover your bases. Nate Reineke and Ben Utley are joined by Lawrence B. Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (or Larry to us). From his New York office, he's been working with doctors for more than 30 years. We break down when an individual, private policy is necessary, and when in your career you can consider dropping your policy. Be sure to listen to the end, where Larry explains the most common mistake he sees physicians make and how shopping for an agent, rather than a policy, can help you save on your premiums. If you'd like to work with Larry, you can reach him at lkeller@physicianfinancialservices.com or by phone at 516-677-6211. Are you ready to turn worries about taxes and investing into all the money you need for college and retirement? It's time to make a plan and get on track. To find out if we're a match visit physicianfamily.com and click get started or, you can ask a question of your own by emailing podcast@physicianfamily.com. See marketing disclosures at physicianfamily.com/disclosures This podcast is intended for general public use and is for informational purposes only. The Physician Family Finances podcast is not affiliated with or endorsed by Park Avenue Securities, Guardian, or Physician Financial Services and opinions stated are their own. Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS). OSJ: 355 LEXINGTON AVE, 9TH FLOOR, NEW YORK NY, 10017, 212-261-1850. Securities, products and advisory services offered through PAS, member FINRA, SIPC. Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian. CA Insurance License #0C37340, AR Insurance License #1057229. 7545285.4 Exp 8/27

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 29 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "When Your Disability Insurance Carrier Isn't a Disability Specialist - What You Need to Know."Most people buy disability insurance trusting the name on the policy. If a major insurer sells it, surely they know how to handle disability claims - right? Not always. For many big-name carriers, disability insurance is just a sideline to their main business of life, auto, property, or investment products. That lack of focus can cost you. Without specialized staff or resources, these companies often outsource reviews to third-party administrators or “independent” doctors who never meet you. The result? A system built to protect the insurer's bottom line, not your future. In this episode of Winning Isn't Easy, disability law expert Nancy L. Cavey exposes how three carriers - Ameritas, Chubb, and Voya - handle disability claims. You'll hear how their processes differ from disability-focused insurers, the games they play to delay or deny benefits, and what you can do to protect yourself. If you have a policy from one of these companies - or any insurer where disability isn't a priority - this episode will give you the tools to fight back. Winning isn't easy, but with the right strategy, it's possible.In this episode, we'll cover the following topics:One - Ameritas: Lack of Internal Resources and the Peer Review TrapTwo - Chubb: Big-Name Insurer, Small Disability FootprintThree - Voya, ReliaStar, and the DRMS / Fullscope RMS ProblemWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 26 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Understanding "Own Occupation" Benefits Under ERISA Disability Insurance."“Own Occupation” and “Any Occupation” might sound like simple terms - but in the world of Long-Term Disability insurance, they can make or break your claim. In today's episode, disability law expert Nancy L. Cavey unpacks one of the most misunderstood but critical distinctions in disability policies: how your occupation is defined. If you've ever had to read a disability policy - or worse, file a claim - you know these definitions aren't just legal jargon. They determine whether you'll receive benefits when you can't work in your specialized field, or whether an insurer can cut you off by arguing you could work in any other job, even one far outside your training, experience, or pay grade. Nancy breaks it all down: what “own occupation” and “any occupation” really mean, how these definitions can shift over time in an ERISA plan, and why understanding them early can be the key to protecting your income. You'll learn the secrets to securing your own occupation disability benefits, common pitfalls that lead to denials, and specific strategies for those facing psychiatric disability claims - where insurers often push hardest to reclassify your case. Whether you're just reviewing your coverage, preparing to file, or already battling a denial, this episode offers clear, actionable guidance to help you navigate the fine print and fight for the benefits you deserve. Let's get started.In this episode, we'll cover the following topics:One - Own Occupation vs. Any Occupation – What's the Difference?Two - The Secret to Getting Your Own Occupation ERISA Disability BenefitsThree - Tips for Preventing a Denial of Own Occupation Psychiatric Disability Insurance ClaimsWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this episode, we dive into a topic that's becoming more and more urgent: how healthcare professionals can financially prepare for the possibility of career burnout. We know from data and personal experience with clients that burnout is hitting this sector hard—over 50% of healthcare professionals report symptoms, and a significant number are considering stepping away from their roles entirely. So, we tackle this issue head-on, not from a medical standpoint, but from a financial planning perspective.We start by emphasizing that prevention is key. Just like in medicine, the best remedy for burnout is early action, and that begins with building a solid financial foundation. We explore how consistent savings habits—even when it feels unnecessary—can offer crucial flexibility down the line. Setting aside 20% or more of each paycheck, creating an emergency fund with 6–12 months of expenses, and maintaining liquidity outside of retirement accounts are all smart, actionable steps. We also stress the importance of not delaying financial planning because you assume higher income gives you more time to catch up later. That's a trap we see too often.Next, we look at how to create income flexibility if burnout leads to reduced hours, a role change, or even early retirement. We talk through the importance of evaluating disability insurance—especially with mental health in mind—and how thinking ahead about possible career pivots like consulting or teaching can reduce stress. We also dive into the importance of building passive income streams and using investment strategy to bridge income gaps without needing active work.For those considering early retirement, we advise updating retirement plans immediately to identify any needed changes, recalibrating spending, and optimizing the timing of account withdrawals to minimize taxes. We also cover how to smartly use pensions and healthcare benefits, especially when considering stepping away. Timing really matters here, and small adjustments can have outsized financial impacts.Finally, we go over tactics to manage financial obligations during a career break—reducing debt, refinancing, and communicating with lenders. We talk about using COBRA, marketplace insurance, and HSAs to maintain healthcare coverage. The bottom line is that being proactive with money gives healthcare professionals the power to make the best choices for their well-being—financially and mentally—before burnout forces their hand. To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.

Today we are talking with Ben Glass, an attorney on our recommended list who helps docs make successful disability claims. Ben talks about what makes for a strong claim, when you might need to get an attorney involved, what mistakes he has seen docs make in the claims process and what he wishes docs knew if they think they might be facing a disability event. Disability Insurance is so important and we hope this episode helps you understand why. Laurel Road is committed to helping residents and physicians take control of their finances. That's why we've designed a personal loan for doctors, with special repayment terms during training. Get help consolidating high-interest credit card debt or fund the unexpected with one low monthly payment. Check your rates in minutes to see if you qualify for a lower rate, plus, White Coat Readers also get an additional rate discount when they apply through https://LaurelRoad.com/WCI. For terms and conditions, please visit https://LaurelRoad.com/WCI Laurel Road is a brand of KeyBank N.A. Member FDIC. All products are offered by KeyBank N.A. Member FDIC. ©2025 KeyCorp® All Rights Reserved. The White Coat Investor has been helping doctors, dentists, and other high-income professionals with their money since 2011. Our free personal finance resource covers an array of topics including how to use your retirement accounts, getting a doctor mortgage loan, how to manage your student loans, buying physician disability and malpractice insurance, asset allocation & asset location, how to invest in real estate, and so much more. We will help you learn how to manage your finances like a pro so you can stop worrying about money and start living your best life. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Find 1000's of written articles on the blog: https://www.whitecoatinvestor.com  Our YouTube channel if you prefer watching videos to learn: https://www.whitecoatinvestor.com/youtube  Student Loan Advice for all your student loan needs: https://studentloanadvice.com  Join the community on Facebook: https://www.facebook.com/thewhitecoatinvestor  Join the community on Twitter: https://twitter.com/WCInvestor  Join the community on Instagram: https://www.instagram.com/thewhitecoatinvestor  Join the community on Reddit: https://www.reddit.com/r/whitecoatinvestor  Learn faster with our Online Courses: https://whitecoatinvestor.teachable.com  Sign up for our Newsletter here: https://www.whitecoatinvestor.com/free-monthly-newsletter 

Have a comment or question? Click this sentence to send us a message, and we might answer it in a future episode.Welcome to Season 5, Episode 23 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Medical Residents and Disability Insurance."Think disability insurance can wait? Think again. In today's episode, disability law expert Nancy L. Cavey breaks down one of the most important, yet often overlooked, decisions facing medical residents and fellows: protecting your ability to earn through disability insurance. You're in the thick of training, focused on learning, growing, and surviving residency. But the reality is that life can change in an instant. An unexpected illness or injury could derail everything you've worked for. Nancy explains how the right disability policy can provide the financial security you need to keep paying student loans, maintain your lifestyle, and stay on track - even if you can no longer practice in your specialty. She dives into why your first financial decision as a resident might be the most important one you'll ever make, what you need to know about GSI (Guaranteed Standard Issue) disability policies, and why timing is everything when it comes to coverage. Whether you're just getting started or planning ahead, this episode offers practical insight and expert guidance you won't want to miss. Let's get started.In this episode, we'll cover the following topics:One - The First Business Decision Every Medical Resident or Fellow Should Make to Insure Their Financial FutureTwo - I Am a Resident and Am Thinking About Getting a Disability Policy. What Is a GSI Disability Policy?Three - The Six Reasons a Medical Resident Must Get a Disability Income Insurance Policy NowWhether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.Listen to Our Sister Podcast:We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/Resources Mentioned in This Episode:LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mindLINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefitsFREE CONSULT LINK: https://caveylaw.com/contact-us/Need Help Today?:Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals. 

In this final episode of Season 5, host David Mandell recaps the season's key themes and previews the upcoming Summer Rewind series, which will highlight standout episodes from Seasons 3 and 4. The podcast will continue on a biweekly schedule over the summer, with new introductions to previously released episodes, allowing listeners to revisit valuable content over the Summer. David reviews each of the 18 episodes of Season 5, including a quick recap and highlights. The goal of this episode is to help listeners catch up on missed episodes or revisit important insights they may have forgotten. He invites feedback and topic suggestions for future episodes as the podcast continues to grow its audience. EPISODE SNAPSHOTS: 5.1 & 5.2 – Dr. Jay Foley: After a life-altering snowboarding accident, Dr. Foley transitioned from surgery to medico-legal consulting, highlighting the importance of disability insurance and leveraging a medical license in new ways. 5.3 – Andy Taylor: Explored how election cycles influence market behavior and how physicians can remain calm and strategic with their portfolios. 5.4 – Nolan Bradbury, CPA: Covered KPIs, practice delegation, legal/tax structure for side hustles, and exit planning from a CPA's perspective. 5.5 – Dr. Ben Ostrander: Applied hospitality industry lessons to healthcare to enhance patient experience, employee satisfaction, and operational efficiency. 5.6 – Jessica Jones, Consultant: Shared insights on aligning practice models with physician passion, wellness trends, and diversification within practices—especially cash-based models. 5.7 & 5.8 – Dr. Sue Keller: An unflinching look at financial mismanagement, the emotional toll of bankruptcy, and finding meaning in a reinvented career after decades in dentistry. 5.9 – Dr. Jay Zigmont: Introduced “child-free wealth” as a growing financial niche, challenging traditional planning assumptions and offering guidance tailored to child-free individuals. 5.10 – Dr. Jude Pierre (Pt. 1): Talked about geographic and specialty shifts, mentorship, and the creation of a physician coaching practice to fight burnout and debt. 5.11 – Carole Foos & Greg Heimkreiter, CPAs: Discussed looming tax law expirations, industry-wide challenges in accounting services, and what physicians should know about finding quality tax advisors. 5.12 – Kristy LaGourgue & Rachel Varga: Focused on brand building and marketing strategy for all doctors, not just those in aesthetics—emphasizing the importance of digital presence and patient communication. 5.13 – Dr. Pat St. Pierre: Reflected on a military-to-medicine career, financial planning, industry involvement, and proactive retirement through wine education to avoid post-retirement difficulty. 5.14 – Attorneys Byrd & Adatto: Covered major legal trends including compounding pharmacy scrutiny, the evolving legal landscape around non-competes, and internal practice exits. 5.15 – Dr. Jude Pierre (Pt. 2): Discussed optimizing workflow through scribes, practice innovation via Medicare Advantage, and financial/lifestyle balance to avoid physician burnout. 5.16 & 5.17 – Cory Kleinschmidt: Provided a comprehensive look at locum tenens work for physicians—ideal for both early-career flexibility and late-career freedom—including licensing, contract tips, what to look for in an agency, forming LLCs for tax purpose and more. 5.18 – Drs. Mark Figgie & Joel Press: Shared a mentorship model from HSS that helps young physicians with career planning, finances, wellness, and leadership development. 5.19 – Bob Goettling: Introduced ESOPs (Employee Stock Ownership Plans) as an innovative, tax-efficient practice exit strategy increasingly relevant in the medical space.     Learn more, including additional show notes, links, and detailed key takeaways, by visiting physicianswealthpodcast.com. Click here to get your FREE copy of our latest book, Wealth Strategies for Today's Physician!

In this episode Dr. Jimmy Turner and Michael Kittner discuss how to make disability insurance more affordable, particularly while in training. They also cover certain kinds of guaranteed standard issue disability insurance policies that only exist while in training - and why it is a catastrophic financial mistake for a lot of doctors if they wait until after training to get disability insurance. Every doctor needs own-occupation disability insurance.  To get it from a source you can trust? Visit https://moneymeetsmedicine.com/disability

In this insightful episode, Crystal Bustillos joins the show to spotlight the often-overlooked topic of disability insurance, timed perfectly with Disability Insurance Awareness Month. Crystal emphasizes that a client's income is their most valuable financial asset, and protecting it should be a top priority. She breaks down the differences between short-term and long-term disability insurance, helping agents understand when each type makes sense. Crystal also covers disability riders—customizable policy add-ons—and shares strategies for overcoming client objections, a common challenge in this area. To support agents, Crystal highlights tools available on The Brokerage Inc.'s Disability Center, including educational resources and marketing materials. She encourages proactive outreach through webinars and social media series to build awareness and trust with clients. A key takeaway: the best time to secure disability coverage is when clients are young and healthy, ensuring lower premiums and greater peace of mind. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

In our new TL;DR series episode, Will reads his article where he explains that disability insurance is essential for dentists. Dentists ability to earn income heavily depends on physical skills and an unexpected injury or illness can jeopardize this ability. This type of policy provides benefits if you're unable to perform your specific duties as a dentist. It's important to assess your coverage needs to ensure your income is adequately protected. Book a free consultation with a CFP® advisor who only works with dentists. Get an objective financial assessment and learn how Dentist Advisors can help you live your rich life.

If you buy a disability insurance policy, if there's one piece of advice to take away from this episode it's this: make sure it's current. That means much more than making sure the premiums are paid up, and my guest today is going to fill in the blanks for us.Drew Powers is the Founder of Powers Financial Group, LLC, a Registered Investment Advisor. He specializes in advanced insurance and investment strategies for doctors. Drew is 100% independent, he doesn't work with any investment or insurance company, which means he's able to give unbiased advice that is most beneficial for his clients. Drew started his career in 2001 as a Market Maker on the Chicago Board Options Exchange, where he managed trading portfolios comprising of hundreds of equity- and equity-index option listings. In 2008, he transitioned to the role of Financial Advisor and Investment Advisor Representative, where he helped clients develop individual financial strategies. At Powers Financial Group, Drew leverages his stock and options trading expertise with his financial advising experience to help clients increase and protect their wealth. Drew lives in Naperville with his wife and their two children. He is an avid downhill skier, active in youth sports, a proud "Rooster" within the Naperville Jaycees, and is passionate about CrossFit and the Paleo/Primal Lifestyle.In this episode Carl White and Drew Powers discuss:What keeping your disability insurance policy current really meansThe triggers that drive the need to update your disability insuranceWhether or not everyone needs disability insuranceWant to be a guest on PracticeCare?Have an experience with a business issue you think others will benefit from? Come on PracticeCare and tell the world! Here's the link where you can get the process started.Connect with Drew Powershttps://powersfg.com/https://www.linkedin.com/in/powersdrew/https://www.facebook.com/PowersFGhttps://twitter.com/Powers_FGhttps://www.instagram.com/powers_fg/Connect with Carl WhiteWebsite: http://www.marketvisorygroup.comEmail:  whitec@marketvisorygroup.comFacebook:  https://www.facebook.com/marketvisorygroupYouTube: https://www.youtube.com/channel/UCD9BLCu_i2ezBj1ktUHVmigLinkedIn: http://www.linkedin.com/in/healthcaremktg

We have a special sponsored episode from Set for Life Insurance. Joining us today is Jamie Fleischner. She is the founder and president of Set for Life Insurance. With over 32 years of experience in the industry, Jamie has helped countless clients protect themselves from life's biggest risks. In this episode, we dive into why disability insurance is an essential safeguard for physicians—not just an optional add-on. Jamie guest breaks down the biggest mistakes doctors make when choosing coverage and how to avoid them. Learn why working with an independent broker gives you the best options and how to secure exclusive discounts through GSI – or Guaranteed Standard Issue – policies as a resident. VISIT SPONSOR → https://setforlifeinsurance.com/ SUBSCRIBE TO THE PODCAST → https://www.kevinmd.com/podcast

This episode is brought to you by Locumstory—learn how locum tenens can help you find more freedom and flexibility in your medical career at moneymeetsmedicine.com/locums.---Dr. Turner and Mike Kittner discuss the crucial topic of disability insurance for doctors. They explore common pitfalls and nightmares experienced by doctors in securing disability insurance and emphasize the importance of obtaining coverage during medical training. Mike shares real-life stories about the consequences of not disclosing full medical histories and missing out on guaranteed standard issue (GSI) policies. They also highlight why Guardian's GSI policies are highly beneficial, especially their unique fallback option that prevents denial nightmares. Detailed explanations are given on why considering fully underwritten policies might be beneficial, the advantages of graded premiums, and the significant role of independent insurance agents. The episode underscores the necessity of getting disability insurance while in training and offers actionable advice on how to avoid common mistakes.If you are looking to get a quote for disability insurance from a source you can trust, visit https://moneymeetsmedicine.com/disabilityJust learning about personal finance? Make sure to snag a free copy of The Physician Philosopher's Guide to Personal Finance for free at https://moneymeetsmedicine.com/freebook 

"It's not your job to convince someone they need protection. It's your job to ask great questions and figure out what's important to the customer."  Michael Weaver What's in this episode:In this episode of The Insurance Buzz, Michael Weaver shares the exact word track and script you can use today to sell more short-term disability insurance. Based on his proven Debt Payment Protector Plan strategy, this conversation walks you through how to position disability insurance in a way that connects emotionally with clients, gets them talking, and makes closing simple.Michael explains how to introduce the concept, the exact questions to ask, and how to guide your prospect to vocalize why it matters to protect their debt payments if they're injured and unable to work. Whether you're talking to homeowners, renters, or anyone with car loans or monthly obligations, this simple script will help you close more policies and create value for your customers.[00:00:00] – Introduction: The strategy that helps agents sell more short-term disability today[00:01:00] – How to introduce the "Debt Payment Protector Plan" to prospects[00:02:30] – The exact word track to get the prospect emotionally invested[00:04:30] – Why qualifying the lead is more important than trying to convince them[00:05:30] – Asking about current debt payments and walking them through the solution[00:07:00] – How to use this approach on every client with debt or monthly obligationsRESOURCES + LINKSWatch the full episode on YouTube: HERENEW BOOK: "Quote 3: How to Make Multiple 6 Figures in Any Sales Organization"Transform your sales with proven strategies that have helped achieve massive success.

In this second part of a two-part series on disability insurance, Kevin and Larry delve into the specifics of Guaranteed Standard Issue (GSI) disability insurance. They discuss what GSI is, why it's crucial for residents and fellows, and how to avoid common pitfalls that could jeopardize eligibility.

In this first part of a two-part series, Dr. Kevin Kniery interviews Insurance Agent and Certified Financial Planner professional Larry Keller about the fundamentals of disability insurance for physicians, particularly surgeons. They discuss the importance of individual disability policies, key differences between policies, and how to choose the right agent. ***Fellowship Application Form: https://forms.gle/PQgAvGjHrYUqAqTJ9 Please visit https://behindtheknife.org to access other high-yield surgical education podcasts, videos and more.   If you liked this episode, check out our recent episodes here: https://app.behindtheknife.org/listen

Today we are talking all about disability insurance. After Dr. Dahle's recent accident on the Tetons he is ever more passionate about the necessity for all docs to get disability insurance. We are bringing on two different docs who tell their stories of finding themselves in situations that required using their disability insurance. We then chat with friend of WCI and founder of Doc Insure, Matt Wiggins. He is an expert on DI and really helps to answer questions and a paint a picture of why doctors and other high income professionals need to get this insurance in place. Today's episode is brought to you by SoFi, helping medical professionals like us bank, borrow, and invest to achieve financial wellness. SoFi offers up to 4.6% APY on their savings accounts, as well as an investment platform, financial planning, and student loan refinancing…featuring an exclusive rate discount for med professionals and $100/month payments for residents. Check out all that SoFi offers at https://www.whitecoatinvestor.com/Sofi *Loans originated by SoFi Bank, N.A., NMLS 696891. Advisory services by SoFi Wealth LLC. The brokerage product is offered by SoFi Securities LLC, Member FINRA/SIPC. Investing comes with risk including risk of loss. Additional terms and conditions may apply. The White Coat Investor has been helping doctors with their money since 2011. Our free financial planning resource covers a variety of topics from doctor mortgage loans and refinancing medical school loans to physician disability insurance and malpractice insurance. Learn about loan refinancing or consolidation, explore new investment strategies, and discover loan programs specifically aimed at helping doctors. If you're a high-income professional and ready to get a "fair shake" on Wall Street, The White Coat Investor is for you! Main Website: https://www.whitecoatinvestor.com  YouTube: https://www.whitecoatinvestor.com/youtube  Student Loan Advice: https://studentloanadvice.com  Facebook: https://www.facebook.com/thewhitecoatinvestor  Twitter: https://twitter.com/WCInvestor  Instagram: https://www.instagram.com/thewhitecoatinvestor  Subreddit: https://www.reddit.com/r/whitecoatinvestor  Online Courses: https://whitecoatinvestor.teachable.com  Newsletter: https://www.whitecoatinvestor.com/free-monthly-newsletter