Podcasts about Disability insurance

Gugs Mhlungu speaks to Resident Certified Financial Advisor, Paul Roelofse, about the importance of financial planning for fathers, especially on Father’s Day, a timely reminder of the vital role dads play in both emotional and financial stability for their families. 702 Weekend Breakfast with Gugs Mhlungu is broadcast on 702, a Johannesburg based talk radio station, on Saturdays and Sundays Gugs Mhlungu gets you ready for the weekend each Saturday and Sunday morning on 702. She is your weekend wake-up companion, with all you need to know for your weekend. The topics Gugs covers range from lifestyle, family, health, and fitness to books, motoring, cooking, culture, and what is happening on the weekend in 702land. Thank you for listening to a podcast from 702 Weekend Breakfast with Gugs Mhlungu. Listen live on Primedia+ on Saturdays and Sundays from 06:00 and 10:00 (SA Time) to Weekend Breakfast with Gugs Mhlungu broadcast on 702 https://buff.ly/gk3y0Kj For more from the show go to https://buff.ly/u3Sf7Zy or find all the catch-up podcasts here https://buff.ly/BIXS7AL Subscribe to the 702 daily and weekly newsletters https://buff.ly/v5mfetc Follow us on social media: 702 on Facebook: https://www.facebook.com/TalkRadio702 702 on TikTok: https://www.tiktok.com/@talkradio702 702 on Instagram: https://www.instagram.com/talkradio702/ 702 on X: https://x.com/Radio702 702 on YouTube: https://www.youtube.com/@radio702 See omnystudio.com/listener for privacy information.

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!

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 21 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Applying for a Disability Insurance Policy."Thinking about applying for disability insurance? Before you check a box or sign on the dotted line, join disability law expert Nancy L. Cavey for a deep dive into the often-overlooked first step in protecting your income: the application process. In this episode, Nancy breaks down why disability insurance is so important - especially for professionals, business owners, and anyone planning for life's what-ifs - and what really happens when you apply. We cover the essentials: What's under the hood of an application? What medical or occupational info matters most? And what are the red flags that could trigger a denial - or follow you to future applications? Nancy explains how to avoid the most common and costly mistakes, how insurers evaluate risk, and how to protect your insurability now and later. Whether you're new to disability insurance, in the middle of applying, or trying to recover from a denial, this episode is your practical guide to starting smart. Because getting covered is more than just paperwork - it's the first step in securing your financial future. Let's get started.In this episode, we'll cover the following topics:One - What Are the Six Common Reasons an Application for Disability Insurance Coverage Is Denied by Disability Carriers?Two - How Can a Disability Carrier's Refusal to Offer You a Disability Policy Impact Your Ability to Find Disability or Life Insurance?Three - What Are the Three Types of Underwriting in Issuing an Individual Disability Insurance Policy, and Why Does It Make a Difference to You?Whether 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. 

*This episode has been previously aired Have significant issues with your disability insurer ? Follow this week's episode as the process to get retaining is explained ! Go to ⁠⁠⁠⁠pocketdisabilitylawyer.ca⁠⁠⁠⁠ Have your question answered next week for free by posting it on... ⁠⁠⁠⁠https://stlawyers.ca/pocket-disability-lawyer/⁠⁠⁠

*This episode has been previously aired Have significant issues with your disability insurer ? Follow this week's episode as the process to get retaining is explained ! Go to ⁠⁠⁠⁠pocketdisabilitylawyer.ca⁠⁠⁠⁠ Have your question answered next week for free by posting it on... ⁠⁠⁠⁠https://stlawyers.ca/pocket-disability-lawyer/⁠⁠⁠

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

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 20 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Questions About Disability Insurance, Policies, and Claims."What do you really need to know about disability insurance, policies, and claims – before, during, and after you file? In this episode, disability law expert Nancy L. Cavey answers key questions about how disability insurance works, what your policy actually covers, and why valid claims still get denied. We cover the essentials: Should you supplement your Short-Term Disability? What if you're not seeing the right kind of doctor? And how can you protect your claim from the start? Nancy also answers listener questions about Long-Term Disability appeals, rare or misunderstood conditions, and how to advocate for yourself when symptoms aren't easy to document. This isn't just about fine print - it's about real strategies for real people navigating a complicated system. Whether you're in the middle of a claim, planning ahead, or just trying to understand the process, this episode is your guide to making sense of disability insurance. Let's get started.In this episode, we'll cover the following topics:One - Should I Get Flex DI Insurance to Supplement My Short-Term Disability Benefits?Two - Can a Disability Insurance Carrier Rightfully Deny a Claim if You Don't Treat With a Specialist?Three - Listener-Submitted QuestionsWhether 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. 

Healthy Lifestyle 5-31-25 Alexandra Babekov - Making good Choices in Real Estate and Life & Disability Insurance by JVC Broadcasting

Have significant issues with your disability insurer ? Follow this week's episode as the process to get retaining is explained ! Go to ⁠⁠⁠pocketdisabilitylawyer.ca⁠⁠⁠ Have your question answered next week for free by posting it on... ⁠⁠⁠https://stlawyers.ca/pocket-disability-lawyer/⁠⁠

Episode 591: What keeps us from talking openly about our finances? Ryan and Matthew reveal the reasons why people stay quiet when it comes to their money and what to do to overcome this “taboo” topic. Next, the Money Doctors explain the ins and outs of disability insurance and how it can help you stay financially afloat when illness or injury keeps you from working.

Talk Money with Jim ShoemakerJoin as Jim Shoemaker, Gregg Beeber and Scott Jordan as they answer your questions about “Disability Insurance and Why This is Important.” Daniel Irwin is here to take us to “Scam School” and update us on the most recent local scams.                                   "Helping You Make the Most of Your Money”Jim Shoemaker, CFP, ChFC, is an investment advisor representative offering advisory services through Cetera Investment Advisers, a registered investment adviser. Securities offered through Cetera Advisor Networks, member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Shoemaker Financial is independently owned and operated. 2176 West St, Ste. 100, Germantown, TN 38138

Have significant issues with your disability insurer ? Follow this week's episode as the process to get retaining is explained ! Go to ⁠⁠pocketdisabilitylawyer.ca⁠⁠ Have your question answered next week for free by posting it on... ⁠⁠https://stlawyers.ca/pocket-disability-lawyer/⁠

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 this emotionally powerful episode, Dr. Allison House shares the recent tragedy of a dental school classmate whose practice was destroyed in an accident that left him severely burned and hospitalized. This unfortunate event serves as a catalyst for an authentic and vulnerable conversation about the critical importance of proper insurance planning for dental professionals.Dr. House and Shawn examine the complex challenges facing dental practices during unexpected tragedies - from patient care continuity to team member employment, from insurance claims to practice data recovery. They highlight the importance of own occupation disability insurance for sole providers, offsite data backups, and forming disability coverage groups within dental communities.Through sharing this real-world example, Dr. House demonstrates how proper preparation can provide a safety net during life's most challenging moments, balancing professional responsibilities with personal wellbeing. The episode offers wisdom for the whole practitioner by addressing not just technical practice management aspects but the human realities of vulnerability and interdependence within dental communities.

If your client's next paycheck was their last for the next four years — what would they do? In this episode, we dig into why Disability Insurance (DI) is a critical (yet often overlooked) part of a sound financial plan. Kenny Russell and Michael Prothe discuss how to position DI as income protection, break down common client misconceptions, and offer practical tips for starting the conversation. With over 90% of DI claims tied to illness, not accidents, this is a must-listen for financial professionals looking to close a major gap in financial planning.Guests: Kenny Russell, Director of Disability Sales, CrumpMichael Prothe, Regional Director, IDI Sales, The Standard

Have significant issues with your disability insurer ? Follow this week's episode as the process to get retaining is explained ! Go to ⁠pocketdisabilitylawyer.ca⁠ Have your question answered next week for free by posting it on... ⁠https://stlawyers.ca/pocket-disability-lawyer/

In this episode of the Cover Your Assets podcast, host Billy Gwaltney discusses the intricacies of selecting a graded premium policy for private specialty disability coverage. He explains the differences between graded and level premiums, emphasizing the long-term financial implications of each choice. The conversation highlights the importance of understanding the terms of disability insurance policies, especially for physicians, and provides insights into when a graded premium might be a viable option. Billy also addresses the common misconception that lower initial premiums equate to better deals, urging listeners to consider the long-term costs associated with graded premiums.(00:20) Welcome(00:46) Understanding Graded vs. Level Premiums(04:15) Long-Term Financial Planning with Premiums(06:37) When Graded Premiums Make Sense(08:29) The Importance of Disability Insurance for Wealthy IndividualsThe 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.

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.

This is a free preview of a paid episode. To hear more, visit leesimon.substack.com截至 2024 年底，美國聯邦政府預算赤字為國內生產總值（GDP）的 6.4%，總額約為 18000 億美元， 相當於每位美國公民約 5460 美元；這只是每年的赤字。而美國聯邦政府的總債務已達 360000 億美元，佔 GDP的 123%，等於每位公民平均承擔約 106000 美元的債務。就算只是由公眾持有的美國聯邦政府債務，金額亦高達 29 萬億，約為目前的 GDP 100%。以歷史數據對比，1985 年美國聯邦政府債務佔GDP的比例為 40%，1995年為 64%。過去廿年，美國政府總債務負擔在全球金融危機（GFC）和2020年疫情期間顯著上升。目前，聯邦政府債務的平均到期時間為 71 個月， 比五年前的 70 個月略有增加， 而在 2008 年金融危機前，平均到期時間為 54 至 56 個月。更重要是，約有三分之一的債務於今年到期，屆時美國政府將要以更高的利率水平發行新債，進一步增加未來的利息支出負擔。2024 年，聯邦政府的債務利息支出約為 8810 億美元，已經是聯邦政府預算中的第二大支出項目，佔總支出的13%，相當於 GDP 的 3.1%。自 1940 年代以來，利息支出佔 GDP 的比例從未超過 3.2%。儘管美國政府所發行之國債，仍然被教科書視為最安全的投資工具。但在 2023 年 5 月，美國國債的信用違約掉期合約（CDS）價格飆升至 2009 年以來的最高水準。當時美國政府就提高國債上限，曾一度在國會未能達成共識；時任財政部長耶倫警告，如果債務上限僵局未能解決，政府可能最早在 2023 年 6 月 1 日耗盡資金。隨後，信貸評級機構惠譽在 2023 年 8 月將美國的信用評級從AAA下調至AA+；穆迪也在同年底將美國政府的信貸展望調整為負面。究竟美國政府是否可能違約？技術上，假如國會在關鍵時刻未能提高或暫停債務上限，違約是可能發生的。根據國會預算辦公室和兩黨政策中心的最新預測，以上所謂的「X 日期」（X-Date），即政府無法按時履行其義務的時間點，最早可能在 2025 年 7 月中旬至 10 月初之間再次出現。根據以上的客觀數據，今屆政府政府繼承了一場迫在眉睫的債務與赤字危機，也解釋了為甚麼在上任後就進行如此大刀闊斧的行動；有如一個就快要破產的人，只有三個財政重組的手段：（一）增加收入、（二）減少支出和（三）重組債務。​在增加收入方面，其中一個最簡單直接的方法就是開徵全國性的銷售稅。儘管在技術上是可行的，但在政治上難以接受；尤其是開徵新稅種意味要經國會通過。所以今屆政府將整個論述包裝成貿易逆差的問題，並將政治矛盾導向到外國對美國產業的剝削。更重要是，當今屆政府將問題提升到國家利益和安全層面，就可以用行政命令方式繞過立法程序宣布關稅。單憑關稅能否處理美國聯邦政府的財赤？2024 年，美國的進口的貨值為 41100 億美元。 假設對所有淨進口徵收 10% 的關稅，而且進口貨額不變，理論上也只可為聯邦政府帶來 4000 億美元左右的新收入。換句話說，即使在最理想的情況下，關稅收入也僅足以支付目前 8800 億債務利息支出的約44%，更遑論減少整體赤字。然而，實際的稅收會因進口值減少而打折扣。根據國會預算辦公室的估計，劃一 10% 的全球關稅，將令美國 GDP 減少 0.3%，消費物價上升 1%，並且削弱美國家庭的消費力；在未來十年亦只可以為美國政府帶來 22000 億的收入，平均攤分計即每年只有 2000 億左右的稅收，遠低於以上最理想每年 4000 億美元的假設。根據其他政策研究機構如 Yale Budget Lab、Tax Foundation 等更悲觀的估算，關稅減少美國 GDP 0.4 至 1.1%，令消費物價上升 1.7 至 2.9%，而最終稅收可能低至每年只有 1400 億。正如民主黨候選人哈里在去年選舉時所指出，這種關稅變相就是全國性銷售稅，會令價格水平上升，需求減少，最終只是由全民負擔成本。但請不要誤會，我不是認同民主黨的主張；民主黨對富人徵稅的主張，也同樣也是空中樓閣，不切實際。​美國政府的問題不是稅務收入太低， 因此政府必須探索其他方法來解決赤字危機。​政府效率部（DOGE）最初的目標是在兩年內將聯邦政府赤字減少 2 萬億美元。 然而，根據最新報導，截至目前，節省的金額僅為 1500 億美元。削減開支是必須的，但實際操作比預期更具挑戰性。​事實上，美國政府轄下的審計部門如 Governmnet Accountability Office （GAO）和 Inspectors General 估計，目前美國聯邦政府可以削減成本的空間只有 2000 億美元；最主要原因是目前美國聯邦政府有六成以上開支為社保以及醫保等難以觸動的法定開支，而且這些開支範疇在未來亦有重大的潛在危機。以目前開支最大的社保為例，根據 2024 年的報告，老年與遺屬保險信託基金基金（Social Security Old-Age and Survivors Insurance Trust Fund, OASI）將於 2033 年耗盡儲備。屆時，僅依賴持續的稅收支付約 79% 的預定福利；而就算將殘障保險信託基金（Disability Insurance）合併計算，亦將於 2034-35 年耗盡儲備。屆時各領取福利的美國人只可以收到 79-83% 的金額，而隨著人口高齡化，未來福利發放金額將持續下降。 所以今屆政府要解決赤字和債務危機，最關鍵策略還是債務重組。儘管現任政府否認「海湖莊園協議」（Mar-a-Lago Accord）的存在，但種種跡象顯示，美國政府正在嘗試實行當中的概念，包括：一，以關稅為威脅迫使外國政府配合；二，迫使目前持有年期相對短的外國央行及金融機構轉為持有年期更長的債券；三，透過成立美國主權基金干預匯率；四，對外國央行持有的美元徵收費用。究竟如何具體地令「海湖莊園協議」成為事實？截至 2023 年底，海外投資者持有的美國國債金額為 81000 億美元，約為公眾持有美債的 31% ；主要為日本、中國和英國。甚至有推測指今屆美國政府會考慮循政治及法律途徑，向外國政府追討第二次世界大戰以來美國向世界各國提供的援助，又或者就疫情向中國政府追討賠償。應該沒有任何一個政府會接受這些「不平等條約」，難道屆時美國會凍結這些國家的資產？當然 ，以上所提到的「海湖莊園協議」只是猜想，但有一點可以肯定是，隨著經濟景氣轉壞以及美國因關稅減少對外國商品需求，美元有能會有升值壓力；這一點與傳聞中的「海湖莊園協議」要令美元貶值有根本上的抵觸。美元持續強勢會增加資本外流的壓力；所以今屆政府以行政手段，也就是「美國優先投資政策」，以阻止關鍵投資流向海外。​各大跨國企業在政治壓力之下，紛紛表態會在美國投資，但最終是否口惠而實不至，就只有過幾年才知道。最初提到財務重組的三個主要手段，即是增加收入、減少開支和債務重組，都不可能在短期內完成。但由於在 2025 年初，美國聯邦政府又已經觸及 361000 億的債務上限水平，而目前財政部只是透過從不同的基金提取現金維持開支。最保守估計到今年九月前美國政府又要提高債務上限並發行新債，否則不但政府停擺，更重要是將出現美國政府的債務違約危機。但如果實際稅收低過預期，以上所講的「X 日子」將更早發生。根據美國憲法第十四條修正案的第四節，也就是所謂的「公共債務條款」（Public Debt Clause）美國政府的行政部門有憲法義務防止美國債務違約。所以，最可能的情況是，國會將再次提高債務上限。但今次美國面對的財政壓力，比過去的任何一次危機更加明顯。當美國政府的融資成本上升，也債劵價格尤其是長債的價格會進一步受壓，市場利率會因此上升。亦由於金融機構所持有的債券價格下跌，有可能會觸發新一輪的金融危機，屆時聯儲局亦在沒有選擇之下要大幅擴張貨幣政策，並促使其他中央銀行進行競爭性寬鬆。假如發生在全球經濟衰退期間，加上美國實施全球性關稅帶來的需求減弱，結果可能引發經濟衰退與通漲急升同時出現的滯漲（Stagflation）。

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

#ThisMorning on #BRN | #Retirement | #2030 | #WhatToKnow About #Disability #Insurance | Phillip Snyder, CLU, The Warner Companies | #Tunein: broadcastretirementnetwork.com #Aging, #Finance, #Lifestyle, #Privacy, #Retirement, #Wellness and #More - #Everyday

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 

This episode is sponsored by: Set For Life Set for Life Insurance helps doctors safeguard their future with True Own Occupational Disability Insurance. A single injury or illness can change everything, but the best physicians plan ahead. Protect your income and secure your future before life makes the choice for you. Your career deserves protection—act now at https://www.doctorpodcastnetwork.co/setforlife.   ______ As physicians, our ability to earn is our greatest asset—yet a single injury or illness can derail everything. In this episode, Dr. Mike Woo-Ming sits down with Jamie Fleischner, president and founder of Set for Life Insurance, a company that has guided over 30,000 physicians since 1993. Jamie shares her expertise on disability insurance, focusing on the unique benefits of Guaranteed Standard Issue (GSI) policies that skip medical underwriting and ensure coverage regardless of preexisting conditions. From the importance of "own occupation" definitions to the pitfalls of relying solely on employer-provided plans, Jamie offers practical advice for physicians at all stages—whether you're a resident, a mid-career doctor, or transitioning to a new path like private practice or entrepreneurship. She also highlights common misconceptions, red flags to watch for when shopping for policies, and why timing is everything when securing coverage. Tune in to learn how to protect your income, navigate career shifts, and ensure your financial future, no matter what life throws your way.   Three Actionable Takeaways: Secure Coverage Early – Disability insurance gets more expensive and harder to obtain as you age or develop health issues. Act during training or while you have verifiable W2 income for the best rates and options. Prioritize "Own Occupation" Policies – Ensure your policy covers your specific specialty, so you're protected even if you pivot to another role or career without losing benefits. Reevaluate Regularly – Life changes like career transitions, income shifts, or paying off debt are key moments to adjust your coverage—don't set it and forget it. About Guest: Jamie Fleischner is the founder and president of Set for Life Insurance, a company dedicated to helping physicians secure disability and life insurance since 1993. With over 30 years of experience, she has worked with more than 30,000 doctors across the country, offering tailored solutions like Guaranteed Standard Issue (GSI) disability insurance. Inspired by her personal experience caring for her mother during a double lung transplant, Jamie is passionate about ensuring physicians protect their income and financial stability. Set for Life Insurance Website: https://www.setforlifeinsurance.com/ About the Host: Through two decades of experience as a physician entrepreneur, Dr. Mike Woo-Ming has built and sold two seven-figure companies in the online marketing and lead software industry. He is also a physician practice owner, currently running multiple successful medical clinics. He founded BootstrapMD, a consultancy firm, to help empower physician entrepreneurs through live events, courses, and coaching. Dr. Mike is also the CEO of Executive Medical, a boutique medical practice specializing in age management, weight loss, and aesthetics. As a co-owner and medical director of several clinics, he helps other doctors transition into business ownership. To learn more, read his book, The Positioned Physician: Earn More, Work Smart, Love Medicine Again, available on Amazon. Let's Connect: Start building your business today. Learn more at: www.bootstrapmd.com Want to start your own podcast? Check out Doctor Podcast Network.  

Part 2 of our deep dive into  Disability Insurance (DI) on the ShiftShapers Podcast goes beyond the basics—diving into strategic implementation, evolving underwriting standards, and revenue-generating opportunities for advisors.In this episode, host David Saltzman continues the conversation with Don Schamay, Regional Director of Executive Benefits at The Principal, to explore how disability insurance can be a transformative tool for both clients and advisors. Don shares his insights on how DI is becoming more accessible and relevant across demographics—from young professionals starting their financial journey to high-income executives looking to protect complex compensation packages. He explains how advisors can offer real value by aligning DI solutions with life stages, business needs, and long-term financial goals.Whether you're an advisor looking to enhance your client relationships or a business owner considering executive benefits, this episode is packed with actionable insights and forward-thinking strategies.✅ Key Takeaways from the Episode:Young Professionals and DI DI isn't just for high earners—young professionals stand to gain the most by locking in coverage early, when they're healthy and premiums are lowest. Don shares how DI can be a cornerstone of early-stage financial planning.Business & Executive Solutions Business owners and C-suite professionals have unique income protection needs. Learn how DI solutions can be customized to protect not only personal income but also business continuity and executive benefits.Underwriting Improvements Traditional DI policies were often viewed as complex and hard to secure, but times have changed. With faster, more flexible underwriting options, advisors can now help clients get covered more efficiently than ever before.Revenue Potential for Advisors DI is more than a risk management tool—it's a practice-building opportunity. By positioning themselves as income protection strategists, advisors can deepen trust, retain clients, and grow revenue.Advisor Education and Client Communication Don emphasizes the advisor's role as an educator—helping clients truly understand the risks of income loss and the powerful ways DI can protect what they've worked so hard to build.⏳ Episode Timestamps:

"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.

Welcome to Part One of our deep dive into Disability Insurance (DI) on the ShiftShapers Podcast! In this two-part series. In this episode, host David Saltzman converses with Don Schamay, Regional Director of Executive Benefits at The Principal, about the often-overlooked importance of disability insurance in a comprehensive health insurance strategy. Don shares his journey from military service to a seasoned expert in disability insurance, emphasizing the critical need for both individual and group disability insurance to protect one's income. The discussion covers the prevalence of disability, how group and individual disability insurances differ, and the significance of educating clients about income protection and insurance options.Key Takeaways from the Episode:✅ Importance of DI – Disability insurance (DI) is an often-overlooked but crucial component of a comprehensive health insurance strategy. It provides financial protection if one is unable to work due to illness or injury.✅ Group vs. Individual DI – Group disability insurance often covers basic salary and is a cost-effective, foundational benefit for businesses. Individual DI can supplement group coverage by filling in gaps and covering additional forms of income.✅ Coverage and Income Protection – Properly structured DI ensures that individuals have a safety net that covers up to 80% of their income, considering both salary and other compensations like bonuses and K1 distributions.✅ Market Trends – The DI market has become more competitive and robust, improving the quality and affordability of coverage. Newer carriers have entered the marketplace, stabilizing and enhancing the options available.✅ Advisor's Role – Advisors must educate clients on the significance of DI, ensuring that they understand the risks and the options for mitigating them. This includes both group and individual solutions tailored to the client's specific needs.Episode Timestamps:⏳ 00:00 Introduction to Disability Insurance 

In this episode of the Finding Financial Freedom Podcast, we sit down with Dr. Stephanie Pearson, a former physician turned disability insurance advocate. After experiencing firsthand the financial consequences of inadequate coverage, she now helps medical professionals secure the right disability insurance to protect their future. Stephanie breaks down the evolving landscape of disability insurance, explaining the challenges physicians face when applying for policies and how different carriers classify occupations. She also shares insights on state-specific policy variations and industry changes that could impact your financial security. Key Topics Covered: 1. From Physician to Advocate   Dr. Pearson's journey from clinical medicine to educating physicians on disability insurance.   2. Industry Shifts in Disability Insurance   How the disability insurance market is evolving and what it means for you.   3. Understanding Occupational Classifications   Why physicians often get pigeonholed into specific risk categories.   4. Physician-Friendly Insurance Carriers   Are there companies offering better options for doctors?   5. State-by-State Policy Differences   How disability insurance coverage and regulations vary depending on where you live.   6. Real-Life Impact of Disability Insurance   A case study on how proper coverage changed a physician's financial future.   7. Why Choose Pearson Ravitz?   What sets Pearson Ravitz apart in helping physicians secure the right coverage. Resources Mentioned: Pearson Ravitz Listener Takeaways: Not all disability insurance policies are created equal—know your options.   Occupational classification can affect your premiums and benefits.   Choosing the right insurance carrier can make a significant difference in your coverage.   State regulations may impact your policy terms and pricing.  Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Dr. Stephanie Pearson, CEO and Insurance Advisor    This episode is sponsored by: PearsonRavitz – Helping physicians safeguard their most valuable assets.

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

In today's episode, we are going to talk about the importance of long-term disability in your complete financial picture! We'll talk through who needs it, what to consider, and how to pick the best policy! We want your help in shaping the future of this show! If you have any questions, concerns, episode ideas, or want to get in contact with the hosts, use this link! https://www.dvmercy.com/faith-driven-finance Our Disclaimers: Faith-Driven Finances is owned and produced by Divine Mercy Radio and this episode is hosted by Ethan Lang, a principal with Launch Wealth. Launch Wealth at the time of this recording is a registered investment advisor primarily registered and offering advisory services in the State of Kansas, virtually across the country, and in other jurisdictions where exempt. Registration does not imply a certain level of skill or training. This show is made for informational purposes only and should not be intended as tax, legal, or investment advice. This information should not be relied upon as the sole factor when making investment decisions. Past performance is no indication of future results, and investment in securities involves significant risk. Launch Wealth does not warrant that the information on this episode will be free from error. For more information on our disclosures, visit www.investwithlaunch.com/legal

In this episode of the Finding Financial Freedom Podcast, we interviewed Jamie Fleischner, founder of Set for Life Insurance, who has helped thousands of professionals secure the right disability coverage. If you're a physician or high-earning professional, protecting your financial future is crucial—and disability insurance is a key part of that plan.  Jamie breaks down the ins and outs of Guaranteed Standard Issue (GSI) Policies, explaining how they differ from traditional disability insurance and what you need to consider when choosing the best policy. From pricing and flexibility to common misconceptions, this episode is packed with valuable insights to help you make an informed financial decision.   Key Topics Covered: 1. What is a Guaranteed Standard Issue Policy?  Understanding how GSI policies differ from traditional disability insurance.   2. Who Qualifies for a GSI Policy?   Why only certain programs offer them and what it means for you.   3. Own-Occupation Coverage   Are GSI policies truly own-occupation, and why does it matter?   4. Premiums & Cost Comparisons How GSI policy premiums stack up against traditional underwritten disability insurance.   5. Exclusive Discounts & Group Benefits Are there special rates available for specific groups or organizations?   6. Gender-Based Rate Differences How disability insurance pricing differs for men and women.   7. Common Misconceptions About GSI Policies  Clearing up myths that could impact your financial decisions.   8. Expert Advice on Choosing Disability Insurance Key takeaways for professionals planning to secure coverage.   Resources Mentioned: Set For Life Insurance Website Rezasharif Website Listener Takeaways: GSI policies offer unique benefits and limitations.   Group discounts and gender-based pricing can significantly impact your premiums.   Flexibility matters—ensure your policy can adapt to your career growth.   Understanding the fine print can save you from costly mistakes in the future.  Connect with Us: Host: Dr. Disha Spath, The Frugal Physician Guests: Jamie Fleischner on LinkedIn Tune in now and get the expert insights you need to make the best financial decision for your future!   This episode is sponsored by Reza & Sharif CPAs - They provide more than just tax returns and financial statements—they deliver strategic financial solutions tailored to your needs. Whether you're a business owner, physician, or investor, they help you navigate complex tax laws, maximize savings, and build long-term wealth. With expert tax planning, accounting, and advisory services, they ensure your finances work for you—not the other way around. Take control of your financial future today. Visit rezasharif.com to see how they can help.   This episode is also sponsored by Set for Life Insurance – Providing more than just insurance policies—they deliver personalized coverage and expert guidance tailored to your needs. Whether you're looking for life, disability, or long-term care insurance, their team ensures you get the best protection at the most cost-effective rates. With priority underwriting, special discounts, and access to top-rated insurers, they make securing your future simple and stress-free. Take the next step in protecting what matters most. Visit setforlifeinsurance.com or call 1-888-553-3559 today.

Stephen W. Richman, President, and CEO of Rockdale Financial Services, Inc., has been providing investment and estate planning advice for over 45 years. A third-generation financial advisor, Steve was introduced to the business by his father.   Steve holds Series 6, 26, and 63 securities registrations and is licensed to provide Life, Health, and Disability Insurance. Stephen Richman is currently registered in 17 states of the USA. Mr. Richmans' broker dealer, Cetera Advisors, is currently registered throughout the continental USA. Should a potential client live in a state Mr. Richman is not registered, he can become registered through his broker-dealer to service this potential client.   Guy A. Paredes, Executive Vice President of Rockdale Financial Services, Inc. has helped hundreds of individuals and families create a healthy and secure financial future since 1980. As a member of the Rockdale team, Guy has a mission to assist clients in defining their financial and retirement goals, and set them on a path to achieving them. Guy continually strives to be his clients' most valuable asset in this process.   After running his own financial planning company for many years, Guy merged his company with Rockdale Financial Services in 2010, happily rejoining Steve Richman, his lifelong friend, with whom he'd started his career. With a shared commitment to excellence, the merger provides Rockdale Financial Services clients with an even greater depth and breadth of knowledge and experience.   Listen to this insightful RIA episode with Guy Paredes and Stephen Richman about creating a secure financial future. Here is what to expect on this week's show: - Why it's important for financial planners to mitigate risk, ensuring clients don't take unnecessary risks. - How clear, visual road maps can be very helpful in financial planning. - Why it's important to protect your clients' money against major market downturns while allowing for steady growth. - How the Imagine Retirement Process helps clients understand how their assets can be allocated to meet their long-term goals. - Why building trust and cultivating long-term relationships with your clients is critical in financial planning.   Connect with Guy and Steve: Links Mentioned: Rockdale Financial Services X Instagram Facebook LinkedIn Registered Representatives offering securities and advisory services through Cetera Advisors LLC, member FINRA/SIPC, a broker-dealer and Registered Investment Adviser. Some advisory services also offered through Rockdale Financial Services, Inc., a Registered Investment Advisor. Cetera is under separate ownership from any other named entity. 99 Corbett Way, Suite 103, Eatontown, NJ 07724 Seth Greene is not endorsed by nor affiliated with Cetera Advisors LLC or its representatives. The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. Investing in mutual funds is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact the financial professional at 732-695-2090 to obtain a prospectus, which should be read carefully before investing or sending money. Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, we're diving into the world of disability insurance – what it is, how it works, and whether it's the right choice for you. Whether you're a young professional just starting your career or someone weighing the pros and cons of coverage, we'll break down the basics of disability insurance, explore the different types of policies, and discuss common myths and misconceptions. You'll learn how to evaluate your personal risks, understand the financial benefits, and determine if disability insurance is a necessary step in protecting your income and future. Tune in for expert insights and real-life examples to help you make an informed decision about your coverage needs.

In this episode, we're diving into the world of disability insurance – what it is, how it works, and whether it's the right choice for you. Whether you're a young professional just starting your career or someone weighing the pros and cons of coverage, we'll break down the basics of disability insurance, explore the different types of policies, and discuss common myths and misconceptions. You'll learn how to evaluate your personal risks, understand the financial benefits, and determine if disability insurance is a necessary step in protecting your income and future. Tune in for expert insights and real-life examples to help you make an informed decision about your coverage needs.

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 5 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "How Long COVID and Other Social Security Disability Residual Functional Capacity Forms Can Help You Win Your ERISA Disability Insurance Claim."Join attorney Nancy L. Cavey, a leading expert in disability claims, for an insightful discussion on how Long COVID residual functional capacity forms can help you win your disability insurance claim. Strong medical evidence is essential for a successful disability claim - especially for conditions like Long COVID. A key part of this process is working with a trusted doctor who can accurately assess and document your functional status. In this episode of Winning Isn't Easy, Nancy will also explore the various forms that can help you gather the medical evidence needed to strengthen your claim.In this episode, we'll cover the following topics:1 - The Role Your Physician Plays in Your Long COVID Claim2 - The Role Your Physician Plays in Determining Your Post-COVID Functional Status3 - Why You Should Use a Long COVID Social Security Disability Residual Functional Capacity Form in Your Short-Term Disability and Long-Term Disability Claim4 - Why You Want to Supplement a Long COVID Social Security Disability Residual Functional Capacity Form with Other Applicable FormsWhether 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.

Welcome to Season 5, Episode 1 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Long-Term Care Health Benefits and Your Disability Insurance Policy."Join host Nancy L. Cavey, an experienced attorney specializing in disability claims, as she delves into the complexities of Long-Term Care health benefits and their relationship with your disability insurance policy. Although their names may seem similar, Long-Term Disability insurance and Long-Term Care insurance have distinct differences, which Nancy will break down. She'll also highlight critical policy language and expose the tactics insurance carriers often use to deny benefits. In this episode, we'll cover the following topics:1 - The Four Differences between Long-Term Disability Insurance and Long-Term Care Insurance2 - Typical Long-Term Care Policy Terms That You Should Be Familiar With, and Why the Devil Is in the Policy Terms3 - Games Disability and Long-Term Care Carriers Play in Denying BenefitsWhether 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.Listed 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.

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 

In this episode of the Money Meets Medicine podcast, hosts Justin Harvey and Dr. Jimmy Turner discuss how physicians can manage their risk tolerance, especially during market downturns. They cover key topics such as the importance of financial literacy, the role of disability insurance, the risks of market corrections and inflation, and strategies for investing based on one's time horizon and personality. They also explore asset allocation, target date funds, and the need for thoughtful risk management. Real-world insights and personal experiences illustrate how to navigate financial planning in both stable and volatile markets. Want a free copy of the best-selling The Physician Philosopher's Guide to Personal Finance? Download a copy here: https://moneymeetsmedicine.com/freebook Need disability insurance from a source you know you can trust? Get a quote at https://moneymeetsmedicine.com/disability   

In this episode of Beer and Money, Ryan Burklo discusses the concept of self-insurance, exploring its relevance and practicality in various scenarios. He provides examples of when self-insurance may be beneficial, such as in auto insurance and liability coverage, while also emphasizing the importance of protecting significant financial risks. The conversation highlights the balance between saving money and ensuring financial security, ultimately guiding listeners to make informed decisions about their insurance needs. Check out our website:  beerandmoney.net   For a quick assessment of your current financial life go to: https://www.livingbalancesheet.com/lbsVision/lite/RyanBurklo   Takeaways Self-insurance involves funding potential damages out of pocket. Auto insurance has two main parts: coverage for the car and liability insurance. Liability insurance is crucial to protect against significant financial risks. Umbrella insurance can provide additional coverage for liability. Self-insurance may be suitable for smaller financial risks. Disability insurance is essential for protecting income. Evaluating your balance sheet is key to deciding on self-insurance. The cost of potential loss should be weighed against insurance premiums. Self-insuring can lead to significant financial consequences if risks materialize. Understanding what you're protecting is vital for financial planning.   Chapters 00:00 Understanding Self-Insurance 02:54 Evaluating Risks and Benefits of Self-Insurance 05:52 The Financial Implications of Self-Insurance 08:59 Conclusion and Key Takeaways  

Become a changemaker today and help us advance chronic illness research! https://bit.ly/INIMgive   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: What You Need to Know If you are interested in joining a Gulf War Illness (GWI) trial, please complete the Recruitment Registry Form. https://redcap.nova.edu/redcap/surveys/?s=Y9YF8JJWJRK8HEKL%20&_gl=1*1fipp18*_gcl_aw*R0NMLjE3MDc5MTgwMzIuRUFJYUlRb2JDaE1JeWNyUXVfcXFoQU1WU1pCYUJSM3AyQWRBRUFBWUFTQUFFZ0s1NWZEX0J3RQ..*_gcl_au*MTg2NjgwMDQ4Ni4xNzA3MTQwNzgx   Sign up for the COVID-UPP Study: https://redcap.nova.edu/redcap/surveys/?s=RMEDJ7LKCX&_gl=1*1h830h7*_gcl_au*MTM2NDA0MTQyOS4xNzE1MDA0ODAy   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/   -------------------------------------------------------------------------------------------------   Enjoy our show? Please leave us a 5-star review so we can bring hope and help to others.   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.    LinkedIn: https://www.linkedin.com/company/institute-for-neuro-immune-medicine 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   #DisabilityInsuranceClaim #LegalAdvice #LegalSupport #DisabilityInsurance #DisabilityLaws #ChronicIllness #ChronicIllnessSupport #LongCOVID #ChronicFatigue #ChronicFatigueSyndrome #MECFS #HealthPodcast  

In this episode, we're joined by Broc Buckles as we break down the essentials of disability insurance, discussing its importance, the different types available, and how it can serve as a crucial safety net for your income. We explore group vs. individual policies, the significance of definitions like "own occupation," and the various riders that can enhance your coverage. Whether you're a financial advisor looking to expand your knowledge or someone seeking to understand how disability insurance fits into your financial plan, this episode is packed with valuable insights. Key Topics Covered: What is disability insurance? Group vs. individual disability policies Understanding elimination and benefit periods The importance of riders like cost of living adjustments and guaranteed purchase options Real-life scenarios and considerations for different professions

4 Things to Know About Disability Insurance for Dental Hygienists By Hannah Neumann, RDH Original article published on Today's RDH: https://www.todaysrdh.com/4-things-to-know-about-disability-insurance-for-dental-hygienists/ Need CE? Start earning CE credits today at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://rdh.tv/ce⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Get daily dental hygiene articles at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.todaysrdh.com⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Today's RDH on Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/TodaysRDH/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Kara RDH on Facebook: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.facebook.com/DentalHygieneKaraRDH/⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Follow Kara RDH on Instagram: ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.instagram.com/kara_rdh/⁠⁠⁠⁠⁠⁠⁠

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show!Get ready to uncover the essential strategies for safeguarding your medical career with disability insurance. Joined by Jamie Fleischner from Set For Life Insurance, we promise insights that can secure your financial future and we explore why early action in obtaining disability insurance is crucial. As we shift focus to long-term care insurance, the discussion gets personal about the financial implications of aging and healthcare costs. Wrapping up, we encourage you to start planning your financial future with trusted advisors who truly understand your needs.Timeline00:00 Why get a disability insurance while you are still young.10:38 Supplementing the policy given by your employer13:19 The financial aspect of insurance policies.15:37 Do you get insurance if you have pre-existing health issues?16:48 Pregnancy, IVF & Mental Health Insurance Exclusions.24:00 Difference between group policy, individual policy and association policy.27:34 Establishing your individual coverage needs.32:50 Paying your own disability insurance as a locums doctor35:42 Long term care insuranceFREE DOWNLOAD -  7 Considerations Before Starting Locum Tenens - https://darkos.lpages.co/7-considerations-before-locumsLINKS MENTIONED - https://www.setforlifeinsurance.comSIGN UP FOR OUR NEWSLETTER! WATCH THIS EPISODE ON YOUTUBE!Have a question for the podcast?Text us at 833-230-2860Twitter: @drniidarkoInstagram: @docsoutsidetheboxEmail: team@drniidarko.comMerch: https://docs-outside-the-box.creator-spring.comThis episode is sponsored by Set For Life Insurance. What the Darkos use for great disability insurance at a low cost!! Check them out at www.setforlifeinsurance.com

Want to learn how the money school can help you achieve your financial & rich life goals faster? Text Audit to 717 973 8883 for your complimentary consultation with our success advisors. EXCLUSIVE for women physicians (MD/DO/MBBS/DMD only)................................................................Disability insurance is a critical safety net for physicians, but many are unknowingly making mistakes that could leave them financially vulnerable. Dr. Stephanie Pearson is an OB/GYN and disability insurance expert and In this episode of MoneyfitMD Podcast, we discussed common pitfalls physicians face when obtaining disability insurance. Dr. Pearson shared her personal journey of navigating the complexities of disability insurance after a career-ending injury and highlights the specific clauses and definitions physicians need to understand to protect themselves. This episode provides actionable advice on how to evaluate your current policy, identify red flags, and advocate for your financial well-being.Dr Stephanie can be reached via:Instagram:https://www.instagram.com/pearsonravitz/Website: https://pearsonravitz.com/team/stephanie-pearson-md/Click Here to Secure Your Spot for the 2025 Wealthy You In-Person Gathering.It's time to finally take action on your financial goals. Join other women physicians who are choosing an uncommon life of financial and life freedom by registering for the 3-DAY Money Moves Challenge for women physicians. Register HereReady to explore the transformative power of sabbaticals?Download the free Sabbatical Guide at Moneyfitmd.com/Sabbatical and embark on a journey to financial freedom and personal growth. Share the link with your fellow physicians and join the movement to normalize taking pauses for a healthier and more fulfilling life.If you are a Hardworking, Busy Woman physician who wants to get good at money without wasting more time sifting through the internet. This is for you.  https://www.moneyfitmd.com/guideWe are social:Facebook: https://web.facebook.com/MoneyfitMD/Instagram: https://www.instagram.com/moneyfitmd/Youtube: youtube.com/@moneyfitmd

Episode 033 | Larry Keller, CFP®, CLU®, ChFC®, RHU®, LUTCF (oh my!) of Physician Financial Services is a great person to know if you're in the market for disability insurance. If you're a physician and have never even thought about or heard of disability insurance, he's an even better person to know.There is no shortage of insurance agents and/or financial advisors who work with or want to work with physicians. However, the one thing that cannot be replicated is experience. Working with an Insurance Agent familiar with the underwriting of both disability and life insurance policies can potentially minimize any surprises during the process.Larry spoke at the 2022 Physician Wellness and Financial Literacy Conference (WCICON22) and is a frequent contributor to White Coat Investor. While he might not be a doctor's first phone call regarding their insurance needs, he is often their last.Tune in to hear Larry's story and learn about the vital role disability insurance plays in a physician's overall financial health.Connect with and learn more about Larry Keller, CFP, and Physician Financial Services

Listen in or watch as host David Mandell continues his interview with orthopedic surgeon Dr. John “Jay” Foley, focusing on Jay's career path after being disabled in a snowboarding accident and unable to perform surgery. Jay explains how his own-occupation disability policy made a significant impact on his post-injury financial health. He also relates that his initial plan for an osteoporosis center did not workout, so he pivoted to medical evaluation for worker's compensation cases and medical-legal work as an expert witness. David and Jay spend the remainder of the interview digging into the pros and cons of both the case evaluation and expert witness work, including what Jay has learned and what advice he gives other physicians about both ventures and about the importance of disability insurance. Learn more, including additional show notes, links, and more, by visiting physicianswealthpodcast.com.

Listen in or watch as host David Mandell interviews orthopedic surgeon Dr. John “Jay” Foley. David begins with questions he asks all physician guests to the program—about their initial interest in becoming a physician, early career journey and more.  Jay explains what got him interested in orthopedics at a young age, about how he spent a few years as a seasonal surgeon between the mountains and the beaches, before settling down in Reno, Nevada.  David learns from Jay how he built a busy orthopedic practice in two locations, emphasizing his flexibility and willingness to take call as key drivers to build his practice early on.  He also notes how his practice grew steadily over the years.    The conversation shifts as Jay explains his fateful snowboarding accident on his birthday at age 58, which he knew instantly created a disability that would keep him from performing surgery for years, if not permanently. For the remainder of this first part of a two-part episode, Jay tells David about his immediate reactions to the injury, both practical and emotional. In part two, they discuss Jay's career transition and successes he has had. Learn more, including additional show notes, links, and more, by visiting physicianswealthpodcast.com.

Learn more about Dabdoub Law Firm. https://www.longtermdisability.net   Haylie Pomroy is joined by Edward Dabdoub, Founding Attorney of Dabdoub Law Firm. As an expert in disability insurance, he breaks down the Employee Retirement Income Security Act of 1974 (ERISA), the federal law governing most disability claims, and its impact on health, life, and disability insurance. They also talk about chronic illnesses like myalgic encephalomyelitis/chronic fatigue syndrome (ME/CFS), postural tachycardia syndrome (POTS), Parkinson's Disease, amyotrophic lateral sclerosis (ALS), and long COVID, emphasizing how disability insurance can support those dealing with these conditions. You'll also discover clear and practical advice from Haylie and Edward Dabdoub on how to get the support you need for yourself or a loved one with chronic illness. Tune in to the latest episode of the Hope and Help for Fatigue and Chronic Illness – Disability Insurance For Chronic Illness   If you are interested in joining a Gulf War Illness (GWI) trial, please complete the Recruitment Registry Form. https://redcap.nova.edu/redcap/surveys/?s=Y9YF8JJWJRK8HEKL%20&_gl=1*1fipp18*_gcl_aw*R0NMLjE3MDc5MTgwMzIuRUFJYUlRb2JDaE1JeWNyUXVfcXFoQU1WU1pCYUJSM3AyQWRBRUFBWUFTQUFFZ0s1NWZEX0J3RQ..*_gcl_au*MTg2NjgwMDQ4Ni4xNzA3MTQwNzgx   Donate to ME/CFS Research: https://givecampus.com/b3yrwb   Learn more about INIM's Research Studies: https://www.nova.edu/nim/research-studies/index.html   Sign up for the COVID-UPP Study: https://redcap.nova.edu/redcap/surveys/?s=RMEDJ7LKCX&_gl=1*1h830h7*_gcl_au*MTM2NDA0MTQyOS4xNzE1MDA0ODAy   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.   LinkedIn: https://www.linkedin.com/in/edwarddabdoub/ Facebook: https://www.facebook.com/disabilitylaws Instagram: https://www.instagram.com/dabdoublawfirm/ X: https://twitter.com/ERISAdisability https://twitter.com/disabilitylaws Website: https://www.longtermdisability.net/   Call Dabdoub Law Firm for a free consultation: (888) 812–0393   Dabdoub Law Firm resources:  https://www.longtermdisability.net/resources/#~bc7016d2-599f-464e-8daa-51f12a75a06d   -------------------------------------------------------------------------------------------------   Enjoy our show? Please leave us a 5-star review so we can bring hope and help to others.   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   #DisabilityInsurance #Insurance #DisabilityLaws #ERISALaw #LegalSupport #ChronicIllness #Healthcare #HealthcareLaw #ComplexIllness #MECFS #POTS #Parkinsons #LongCOVID #ALS #InsuranceClaim #HealthPodcast