The Amber Stitt Show

Send us Fan Mail In this episode, my guest Ethan Abramowitz and I discuss Own Occupation Disability Income Insurance Contracts again.  **This time, we have a larger focus on the COLA rider = Cost of Living Adjustment Rider as well as the Future Purchase Options.** COLA riders would allow for your monthly benefits to keep up with inflation if you were on a total disability claim. Future Increase Op...

Send us Fan Mail In this episode, my guest Ethan Abramowitz and I discuss Own Occupation Disability Income Insurance Contracts and why they are so important for YOU. It is great to get insight from an attorney's perspective! In this episode of the Physician's Edition, Ethan discusses how common disability is for everyone, not just physicians. He covers statistics and contract language to...

Send us Fan Mail Scott and I touch on the differences between FIO and the FPOs on Disabilty Insurance Contracts. Generally speaking, you have these types: FIO = ones you can buy, if you qualify for them. FPO = ones you don't buy, if you qualify for them. BIR BPR BU There are some similarities and a lot of differences. This episode should be able to help you out. Let us know if you would like...

Send us Fan Mail Scott and I dive into what traditional Benefit Periods are on Own Occupation contracts. We also discuss how a shorter duration can still be useful for someone to have. Sometimes a person will get an offer for coverage but it will have been modified due to their health history. Sometimes this is on a 5-year benefit window and sometimes there is a rating as well. Please contact us f...

Send us Fan Mail Scott and I introduce ourselves and talk a little about how we work with our clients. We have a niche market and really specialize in the products we offer. We also have strong relationships with carrier teams that help to expedite your insurance underwriting process.  If you want a boutique approach to all things disability, life, and long-term care insurance planning; please giv...

Send us Fan Mail Scott and I discuss the Good Health Benefit that may be available on a disability insurance contract.  The Good Health Benefit is a credit to you for every year that you have no claims. You get a two-day credit off your waiting period, also known as the Elimination Period. Thank you for listening! Amber 📻 Thank you for tuning in to The Amber Stitt Show! 🔗 Connect with Amber on S...

Send us Fan Mail Scott and I discuss Ameritas' Non-Disabling Injury Rider and how someone may use this if they sustain an injury...that doesn't disable them! There are certainly some interesting stories from Scott in here. If you are using this benefit, this will not raise your rates. Most people think this works like car insurance where if you have an injury and report that, your rates...

Send us Fan Mail NOTE: This podcast was transcribed by a free AI transcription tool called Otter. Please forgive any typos or errors. Amber 0:01 Scott and I are going to talk about Residual Disability Riders and The Recovery Rider which most of the contracts have baked into the contract. Often we're asked what is a partial disability writer and that shows up on our Own Occupation private plan...

Send us Fan Mail In this episode, Scott and I discuss how a COBRA rider would work for you if you were disabled and had to get health care through a COBRA plan. Thanks for listening! 📻 Thank you for tuning in to The Amber Stitt Show! 🔗 Connect with Amber on Social Media: AMBER’S INSTAGRAM   AMBER’S LINKEDIN   AMBER’S FACEBOOK   📲 Be sure to visit Amber's website: www. AmberStitt.com 🎬 And...

Send us Fan Mail In this episode, Scott and I discuss how some carriers offer disability income protection outside of just illnesses or injuries. Some carriers will cover disabilities stemming from elective surgeries to improve their appearance or those that are disabled post organ donation. Many are surprised to find out only a few Own Occupation carriers offer this type of expansive definition u...

Send us Fan Mail 📻 Thank you for tuning in to The Amber Stitt Show! 🔗 Connect with Amber on Social Media: AMBER’S INSTAGRAM   AMBER’S LINKEDIN   AMBER’S FACEBOOK   📲 Be sure to visit Amber's website: www. AmberStitt.com 🎬 And remember, let's take action today!!! ==================== 💻 Content Creators, Here Are Some Must Have Apps: 🔥 Opus Clips AI Creates Short Videos From Your Ful...

Send us Fan Mail In this episode, Scott and I discuss the Catastrophic Rider that can be added to an Own Occupation Disability Insurance plan. Catastrophic events occur if you are on a disability insurance claim but also have 2 of 6 activities of daily living that you cannot perform. This then triggers the additional insurance benefit on top of the base benefit. This is the high-level definition a...

Send us Fan Mail In this episode, Scott and I explain one of the definitions of disability, often found in group contracts at work. When you see a contract at work that states it is Own Occupation but is free to you, that is a good indication that there are some rules behind the scenes that modify the payouts if you are disabled and working in any other job. Often, physicians and other medical pro...

Send us Fan Mail In today's episode, Scott and I discuss ways that your elimination period, otherwise known as a waiting period, can be waived under the Presumptive Disability Rider. These are *free on almost any disability plan out there, as it stands today, but this could change over time.* If your waiting period is waived, something serious has happened. Nonetheless, we want you to know th...

Send us Fan Mail In this Physician Edition episode, Scott and I discuss how the "COLA" Cost of Living Adjustment Rider works so you can decide whether or not you would prefer this on your contract.  We are specifically focusing on Own Occupation/Specialty disability insurance contracts here when we discuss the need for the value per person. *Other financial products may require a differe...

Send us Fan Mail In this episode, we discuss what the Residual Rider is, as many don't know this is the Partial Disability Rider on the Own Occupation (Physician Specific) Disability Insurance contracts.  Now which Residual Rider is best for you? There are two kinds and some offer longer recovery coverage while some don't offer any at all.  Some specialties don't have a hard time tr...

Send us Fan Mail 📻 Thank you for tuning in to The Amber Stitt Show! 🔗 Connect with Amber on Social Media: AMBER’S INSTAGRAM   AMBER’S LINKEDIN   AMBER’S FACEBOOK   📲 Be sure to visit Amber's website: www. AmberStitt.com 🎬 And remember, let's take action today!!! ==================== 💻 Content Creators, Here Are Some Must Have Apps: 🔥 Opus Clips AI Creates Short Videos From Your Ful...

Send us Fan Mail In this episode, I share the common reasons why a medical professional would need to purchase an Own-Occupation, Specialty Specific Disability Insurance Plan. I discuss why you should protect your income with one of the  'Big 6' Disability Insurance Carriers. This episode covers most of the common questions physicians ask of my team while visiting The White Coat Investor...