The Responsible Resident

Send us Fan Mail Should doctors deduct disability insurance premiums, or protect tax-free benefits later? In this bonus episode of The Responsible Resident Podcast , Amber Stitt breaks down one of the most misunderstood physician disability insurance planning decisions: the tax treatment of disability insurance premiums and how it affects benefits at claim time. This episode is designed for medica...

Send us Fan Mail Do physicians really have enough disability insurance through their employer?  What are the hidden limitations of group long-term disability (LTD) insurance, and how does it compare to individual true own-occupation disability insurance? In this episode of The Responsible Resident , Amber Stitt sits down with disability insurance attorney Ethan Abramowitz to explore the gaps, limi...

Send us Fan Mail Should physicians add a Cost of Living Adjustment (COLA) rider to their disability insurance policy?  How do Future Purchase Options (FPOs), also known as Future Increase Options (FIOs), protect future earning power and insurability? In this episode of The Responsible Resident , Amber Stitt sits down with disability insurance attorney Ethan Abramowitz to discuss two of the most im...

Send us Fan Mail What happens when a physician files a disability insurance claim? How do own-occupation disability insurance policies, residual disability benefits, and group disability insurance contracts actually perform during a claim? In this episode of The Responsible Resident , Amber Stitt sits down with disability insurance attorney Ethan Abramowitz to discuss the real-world challenges phy...

Send us Fan Mail Why does disability insurance planning matter so deeply for physicians and how do early financial decisions shape long-term freedom and resilience? Disability insurance for physicians, financial resilience, income protection, and physician financial planning explained through Amber Stitt’s personal story. In this final episode of the first season of The Responsible Resident , Ambe...

Send us Fan Mail How do physicians choose the right disability insurance advisor and what is the difference between a captive agent and an independent advisor? Physician disability insurance, underwriting strategy, own occupation coverage, and independent insurance planning explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how physicians can evaluate disabili...

Send us Fan Mail What built-in disability insurance features should physicians pay attention to when comparing policies? Own occupation disability insurance, ancillary benefits, waiver of premium, presumptive disability, and physician income protection explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down the built-in features and ancillary benefits commonly incl...

Send us Fan Mail What is a catastrophic disability rider (CAT rider) in disability insurance and should physicians include it in their policy design? Catastrophic disability insurance, own occupation coverage, and severe disability planning explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how a catastrophic disability rider works inside a physician disabilit...

Send us Fan Mail Should physicians add a Cost of Living Adjustment (COLA) rider to their disability insurance policy? COLA rider, inflation protection, disability insurance for physicians, and income protection strategy explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how a Cost of Living Adjustment (COLA) rider works in disability insurance and how it impac...

Send us Fan Mail How do disability insurance premiums work, and which pricing structure is best for physicians long-term? Fixed premiums, projected level premiums, and graded premiums explained for disability insurance planning. In this episode of The Responsible Resident , Amber Stitt breaks down how disability insurance premiums are structured and why pricing design matters for physicians evalua...

Send us Fan Mail What are Future Purchase Options (FPO), Future Increase Options (FIO), and Benefit Increase Riders (BIR) in disability insurance, and how do physicians use them to grow coverage over time? Disability insurance for physicians, income protection, and future increase riders explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how physicians can inc...

Send us Fan Mail What are the most common disability insurance mistakes physicians make, and how can you avoid them? Disability insurance for physicians, own-occupation coverage, underwriting strategy, and income protection explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down the most common disability insurance mistakes doctors make when purchasing coverage and...

Send us Fan Mail How much disability insurance should physicians have—and how is coverage calculated? Disability insurance for doctors, income replacement, issue and participation limits explained. In this episode of The Responsible Resident , Amber Stitt explains how much disability insurance physicians should carry, including income replacement percentages, training limits for residents, and how...

Send us Fan Mail What is medical underwriting for disability insurance—and how does it impact physicians? Disability insurance underwriting, exclusions, pricing, and income protection explained clearly. In this episode of The Responsible Resident , Amber Stitt explains how medical underwriting works for disability insurance, including how health history, medications, and timing affect eligibility,...

Send us Fan Mail When should physicians buy disability insurance, and what factors impact cost and eligibility? Disability insurance for doctors, timing, underwriting, and income protection explained simply. In this episode of The Responsible Resident , Amber Stitt breaks down when to buy disability insurance, including how age, health, medical specialty, gender, and state of residence affect pric...

Send us Fan Mail How do disability insurance contracts actually work for physicians, and what determines if you get paid? Own-Occupation disability insurance, residual benefits, elimination periods, and policy design, explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how disability insurance contracts work for physicians, including true own-occupation definit...

Send us Fan Mail Employer vs. private disability insurance for physicians: What’s the difference and why does it matter? Group disability insurance, own-occupation coverage, and income protection for doctors explained clearly. In this episode of The Responsible Resident , Amber Stitt breaks down how employer-sponsored disability insurance compares to individual disability insurance for physicians....

Send us Fan Mail What is own occupation disability insurance for physicians, and why does it matter? Disability insurance for doctors, income protection, and group vs. individual coverage explained simply. In this episode of The Responsible Resident , Amber Stitt breaks down how disability insurance works, why physicians need income protection, and how true own-occupation coverage protects your sp...

Send us Fan Mail The Responsible Resident is a practical, education-first podcast designed to help physicians make clear, confident financial decisions, without needing a finance background.  In this introductory episode, Amber Stitt shares the personal and professional experiences that led her to create this series, along with a simple blueprint to think through your career, money, and risk. Phys...