Behind The White Coat - Real Talk For Physician Spouses

#43| Disability Insurance, Demystified For Doctors

• Amanda • Season 1 • Episode 43

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0:00 | 30:10

We pull back the curtain on disability insurance for physicians, focusing on true own occupation, smart timing, and how to avoid costly mistakes. Michael Kittner shares a practical roadmap for protecting income, using GSI early, and right-sizing coverage over a medical career.

• why rates are the same across agents
• how riders and definitions change pricing
• why true own occupation matters for specialists
• the timeline from residency to financial independence
• when to increase or reduce benefits and riders
• the two questions to protect GSI access
• how group policies differ from individual coverage
• common mistakes: waiting, underwriting first, price-only shopping
• peace of mind as part of a financial plan
• how to contact Michael and get the free ebook

Download the free e-book, The Doctor’s Playbook for Disability Insurance, using the link here.

For more information, visit Money Meets Medicine to explore helpful resources and insights. You can also connect with Michael on Instagram to follow his work, stay updated, and learn more from his day-to-day content. 

I would love for you to subscribe, leave a review, or pass it along to someone in your circle who needs to hear this episode.

Connect with me on Instagram or email me at amanda@abtnhomes.com with your thoughts, topic ideas, questions, or even guest suggestions.

SPEAKER_02:

Hello, everyone, and welcome to today's episode. Today, we are going to be pulling back the curtain on one of the most confusing parts of the medical journey and it's disability insurance. And before you glaze over, before you, you know, change to the next podcast, I want you to stay with me here because this stuff protects your entire family. This is super important. And I'm so happy to have my guest, Michael Kittner, here. He knows that confusion all too well. And his own wife went through this process during training. And that kind of sparked his mission to help physicians cut through the noise, avoid some of the biggest mistakes, and finally feel confident about protecting their income. So let's make this whole thing a lot less overwhelming and maybe a little bit empowering. So, Michael, thank you so much for being here today.

SPEAKER_01:

It's great. I'm looking forward to it, Amanda. You know, I got thinking when you reached out to me, your assistant reached out. I'm like, wow, she wants to talk about disability insurance. So that's only that means two things. Number one, you're having problems sleeping at night. And so you need a sleep aid. So we'll talk about disability insurance. Or you have a need, your listeners have a need for the same thing. Listen, I'm struggling at night. I can't fall asleep. Can what what fixes this? And listen, there's no easier sleep aid than talking about disability insurance. So we're gonna have a good time today.

SPEAKER_02:

Yeah, yeah. No, I'm so glad we got to connect. And I say this time and time again. Thank goodness for social media. That's how I get to connect with so many amazing people and talking to listeners, talking to fellow physicians and physician partners. I feel like this is a huge need. And so I've got a ton of questions for you. And I feel like our listeners are gonna have a ton of follow-up questions. So thank you again for joining us today.

SPEAKER_01:

Absolutely. It's gonna be a great time. And we are always open for questions. Absolutely.

SPEAKER_02:

Yeah. Yeah. No, and I love that about you. And so just to paint a quick picture for the listeners, tell us about your family, your med journey, your spouse's specialty, because I feel like they always like this little background story and the nitty-gritty.

SPEAKER_01:

Totally. So I'm a New York transplant, so I moved down to North Carolina in '99, never went back to New York. And while I was here, I met a beautiful Southern belle named Sarah. And she's now my wife. And, you know, we've been together forever. And she um is a practicing anesthesiologist at Wake Forest University, and she's a program director now. And we've been together so long from, you know, before residency, we've residency, early attending, later attending. As a med spouse, I've been through the whole gamut of emotions and finances and everything that you know your listeners have are going through now as med spouse. We've been through it. And, you know, we started our agency because we found there was a need for it in the medical community specifically. I didn't wake up one morning and be like, hey, I want to run an insurance company. Like it's been a journey, though. So, like a little bit of background for me is I taught middle school for 20 years.

SPEAKER_02:

I love it. I I was a fellow teacher as well. So I'm I'm right there with you.

SPEAKER_01:

Yep. And, you know, learned more and more about protecting your income and insurance. And I kind of grew up in a financially literate family. It's always been part of, you know, my own journey. And so I just realized that it wasn't like that for everybody. And as a physician, having a specialized skill set as well as a high income, those two things need to be protected. And so the more I learned it about, you know, selfishly from my wife, we realized there was a greater need. And then my best friend, who's also an anesthesiologist, as well as my co-founder, Jimmy Turner, we started our agency.

SPEAKER_02:

Yeah. Yeah. And I love that your experience and your own research kind of paved the way for you to start this agency. And so let's talk a little bit about that. So through your wife's process during training and your experience learning about disability insurance and how confusing it can be, what did that experience teach you? And especially for the medical families? Obviously, not only the need, but I feel like the confusion and so much out there can be so overwhelming for people.

SPEAKER_01:

It really can be. And that's a great point that you bring up. You know, it can get confusing, but we need to break it down into two different parts. So when we look at a policy itself or what a physician needs, that's logical. You know, there are five parts of a policy that a physician must have on his or her policy. And that's logical, self-explanatory, easy. Where the confusing part comes in is where do I go? Where do I get this? Because you can't buy it directly from an insurance company. You have to work with an insurance agent. And trainees are bombarded all the time by insurance companies wanting to, you know, promote themselves and solicit their business. And so that's where it really becomes confusing is I know I need this, but I don't know where to go. And then, as you and I were talking before the show started, it's paralysis by analysis. We have so many options, we just don't do anything. And so I think that was the confusing part of us. There's a misconception about disability, and that, you know, if I work with 10 different agents and I get quotes, then I'm gonna get 10 different prices. I'm gonna go with the one that's the cheapest. That's what most residents do is price shop. That's what we did.

SPEAKER_02:

Sure. Well, when you're on a budget, you you're kind of limited.

SPEAKER_01:

Yeah, you're on a you're on tight budget, you know it plays part of a financial plan. It's not the financial plan, it's part of a financial plan. You know you need it. But when you look at 10 different agents and their pricing, rates are rates. So this is a good takeaway. First takeaway for your listeners is rates are rates. They're set by each state's department of insurance and the carriers, and they're based on four functions: your age, your medical specialty, your state of residence, and your sex at birth. So, and again, health can play a role too. So, you know, if you're looking at a guardian quote with us and you're looking at a guardian quote with another agent, the prices should be identical. If they're not, then we need to look at the policy composition to see where that discrepancy comes in. If it's a higher price, then something was added that maybe you don't need. And if the price is lower, then maybe one of the core features was watered down or just left off completely. So I think the the takeaway here is you really want to, when you're working with an agent, reach out to a couple, get pricing, have conversations with them, and find one that you gel with. Find one that has your best interest, is quick to respond, knows what they're talking about, you know, someone who's not gonna disappear like a carnival magician as soon as you purchase your policy. You know, you want to be service post-purchase, but you just really want to find somebody that you connect with and that you trust, and the policy is gonna take care of itself.

SPEAKER_02:

Sure. Well, and I also want to give you a little shout out too, because I do feel like your background, your experience going through this with your wife, and then obviously helping so many physicians, I feel like catapults you way ahead of a lot of these other agents. Sure, they may have experience with these policies and the physicians, but I feel like that firsthand personal experience makes all the difference.

SPEAKER_01:

Yeah, and it does, especially understanding the trajectory of a physician's financial situation.

SPEAKER_00:

Right.

SPEAKER_01:

Most of the time, I know when we bought our policy, it was, hey, you qualify for$5,000, here it is, take it. And we recognize in our agency that that's not one size fits all, doesn't fit, you know? So we quote a range of benefits, you know, from the highest to the lowest that you currently qualify for, different premium options, you know. So sometimes we can get an integrated premium to make it cheaper. The policy itself is going to be a core feature of your income protection. But the policy you buy on day one, as you go farther and farther down your timeline to financial independence, we recognize having gone through medicine and been a med partner, that policy you purchase is not going to be the same policy that you need as you get closer to financial independence.

SPEAKER_00:

Right.

SPEAKER_01:

So being part of the comet medical community, like you just stated, helps us understand that.

SPEAKER_00:

Yeah.

SPEAKER_01:

You know, and the fact that we only work with medical professionals.

unknown:

Right.

SPEAKER_01:

You know, so we do one thing and we do it what I think we do it better than anybody else is because we only do that one thing. Right. And so I don't need to know our you know, our agency doesn't need to know how to structure a plumber's contract or a lawyer's or, you know, teacher. Like it's just it's medical professionals day in and day out. They all have a specialized skill set, they all make a lot of money, and we build the policies to protect both of those.

SPEAKER_02:

Sure. And I'm gonna throw in an extra question in here that we hadn't talked about. When you're talking about your policy from day one, maybe you are a resident versus 15 years out of training. I'm asking this for my own personal knowledge. Should that policy change over time? Or is it what you set up at the beginning since you know what that looks like? Like you said, that trajectory, is that something you set up at the beginning or somebody like us that set that up and we were not going through somebody that had this experience or maybe this knowledge like you have moving forward, what should we be doing?

SPEAKER_01:

So a great visual that we talk about in our consultations is we take a timeline. And you know, a lot of our clients are, you know, interns, new residents, early attendings, and they're on that kind of left-hand side of that timeline. They're just starting. And on the far right hand side, Amanda, we have our financial independence where we're really no longer worried about our paycheck day to day.

SPEAKER_00:

Right.

SPEAKER_01:

And so what we want to do is, you know, as the slider moves down on that timeline, we think of a scale. And on one side you have your defense and on one side you have your offense. And on the offensive side, your backdoor Roth, your 401k, your emergency savings, your taxable, those are empty for free getting trainees. It won't be like that because you're a physician. You're gonna make a lot of money, but physicians just start late for everything. And so as that scale slides down that timeline, it starts to shift. As we accumulate more and more assets, what does it do to the need to play defense? Well, it lightens it.

SPEAKER_00:

Yeah.

SPEAKER_01:

The normal trajectory for our clients is listen, just get your policy in place as a resident. Just get the cheapest it is, lock it in. We're really just trying to lock in our age, our discounts, and GSI access if it's available in our health. Then what we do is when we become an attending, we increase our benefit to keep pace with our new attending income. Maybe we increase it again as you know, we go through our attending era. But as we go through that timeline, now we can maybe look to decrease it.

SPEAKER_00:

Yeah.

SPEAKER_01:

And we do that for a variety of ways. We can, you know, remove a rider that maybe is unnecessary after age 45 is the cost of living adjustment rider that we suggest clients remove. We can even take some benefit off the table, which reduces your premium. So we understand that an individual policy should be individual, whether you're a beginning intern or you're getting closer to financial independence.

SPEAKER_02:

Sure. And thank you for answering that. So do you ever have people like us that give you their policy? You look at it and then you make recommendations of what needs to change or what you would advise that they do from where they are now currently versus where they were when they set it up? Yeah.

SPEAKER_01:

When you're our client, obviously we service your policy day one until post-purchase, until you surrender your policy. Our clients get quarterly check-ins because you'd be amazed, Amanda, how many physicians forget they have disability insurance. Oh yeah. So it's crazy. So we keep it forward-facing. But yes, we are always, you know, we have a, I'd probably say maybe half a dozen a week. Say, hey, Michael, would you mind taking a look at this individual policy? Or more often we get, hey, can you look at my group policy through work and point out the deficits of that to see if maybe I need a supplemental policy? The more you learn about insurance, the more comfortable you are with your overall financial plan.

SPEAKER_02:

Okay, good to know. Thank you. I will probably be reaching out to you with our policy for some help. So thank you. So, Michael, for our listeners, whether physicians or they are the spouse and partner who is feeling overwhelmed, what is the simplest way to understand what true own occupation actually means and why it matters so much?

SPEAKER_01:

True own occupation simply means that you are going to be covered and considered disabled if you can no longer safely and effectively practice your specialty. And when we say specialty, that really means whatever you are doing at the time of claim. So it's not tied to a job title. So if you're an anesthesiologist and we go to file your claim, we're going to look at what are your core features of your uh specialty, the things that you do day in and day out that cannot be reasonably removed and still allow you to practice in that specialty. If you cannot perform those either totally or you have to work a reduced schedule because of an illness or an injury, then that qualifies you for disability. The reason, Amanda, this is so important for physicians is because they have a very specialized skill set.

SPEAKER_02:

Right.

SPEAKER_01:

Physicians are hard-headed. They're strong. And I say this to your listeners because I'm married to one. They're going to work. There's nothing that's stopping them from going to clinic, going to the hospital, going to their own practice every single day. But as we age, you know, and I know, Amanda, that sometimes decisions are made for us. And so with a physician, it doesn't take much for things to go sideways very, very quickly. It could be an arthritic condition, it could be something neurological, it could be, you know, a range of motion, nerve damage to a hand. I mean, and most physicians, especially if you're in surgical specialty or heavily procedural, your career's done. You're not going to be able to practice your specialty. And what makes it true own occupation is that those physicians can still, if they wanted to and were healthy enough, they could still do something else, earn a living doing that, and they could double dip. They'd get their full benefit and also be able to work for wager profit. And the reason it's important for doctors, more so than me, it would take a lot to knock me out of my job. If a physician loses a thumb, their career's done. If I lose a thumb, I just hit the space bar with the other hand. You know, so it it really is gonna take a lot to knock me out. And if I can't do my job, I probably can't do any job. You know, so this the idea of having a supplemental policy for me probably doesn't make much sense because if I can't run the agency, I probably can't do anything. Whereas, you know, if you're interventional cardiologist, I mean, the smallest thing's gonna take your specialty away from you and it's also gonna take your income. So with true own occupation, you're protecting not only your high earning, but that specialized skill set.

SPEAKER_02:

Sure. And protecting your family.

SPEAKER_01:

Yeah, well, yeah, most physicians are going to be the primary, if not the sole, earner of a family. And you know, it's having insurance, I tell clients this all the time, it's it's not a sign of being scared or worried. It's just a sign of love and protection for your family because I know I sacrificed a lot going through my wife's training, you know, raising our kids and taking care of the home and supporting her. And so it's a way to protect that investment that even though her name's on the license, it's a team effort.

SPEAKER_02:

What you've built together. Yeah. No, I I a hundred percent agree. I think it's so important. And and like you said, it it's not something negative, but I think it's very empowering to have that information, to have that confidence and know that you're completely protected, especially with what you have invested.

SPEAKER_01:

Yeah, if I can let me just I'll give you a quick story here. So my my co-founder and good friend Jimmy Turner, our families do vacations together all the time. You know, our wives are best friends, our kids are best friends.

SPEAKER_00:

Right.

unknown:

Yeah.

SPEAKER_01:

He made the number one mistake a training physician makes, and he does not have an individual disability insurance policy because of the number one mistake that he made, and we'll talk about this later. So when we go to vacations, and you know, I'm riding the scooter on the beach, and our kids are just being kids, and I'm we're playing football and everything on the beach. Like he, it's sad the fact that he does second guess what if something happens? What if I break an ankle or I've got to have surgery, of which he just had surgery. But it really does, you know, you can't put a price on peace of mind. And I tell our clients all the time, my wife has disability insurance. I hate paying for it. Everybody does. I'm trying to keep my money in my pocket. But I know it's easier for me to come up with a few hundred dollars a month for her policy to pay for it while she and I are both working, as opposed to trying to scramble to get, you know,$15,000 or whatever of tax-free benefit when she's disabled.

SPEAKER_00:

Right.

SPEAKER_01:

It really does give you peace of mind to have this in play.

SPEAKER_02:

Yeah. Well, let's talk about those mistakes that you just mentioned. So, what are the top mistakes you see physicians make when choosing disability insurance and how can they avoid them?

SPEAKER_01:

We only have 30 minutes, right? So I'll try to try to be quick. So the first one is waiting. So obviously, we all have the same crystal ball. You know, if you knew you weren't going to be disabled or have anything in your medical records throughout training, you know, obviously the best time to buy insurance would be the, you know, the day before you need it. So what we see a lot of times with residents waiting, because they're on that tight budget, our interns, they come in clean, they're 27, they're on no medication, they're incredibly healthy. And then the reality of residency kicks in. And four years later, while we delay and delay and delay, four years later, we're looking at not only, you know, a 20% price increase for each year that you, you know, 5% for each year you age, but now we're looking at all of these health considerations that have now been accumulated in our medical records. Now we're on prescription medication, now we're in therapy. And so all of these factors will further, you know, poke holes in a policy through exclusions or higher cost that could have been completely avoided initially, even at a small premium, because our policies, the way we construct our policies, that even a small policy initially can be increased later without medical underwriting. So even if you do accumulate a health history, it's going to be inconsequential to increase your benefit.

SPEAKER_00:

Yeah.

SPEAKER_01:

So that's the first thing we see. The first mistake is we just wait.

SPEAKER_00:

Yeah.

SPEAKER_01:

The second mistake we see, and this is the big one, when you're an attending, you know, that uh a picture that Robert Frost poem, though like the two paths into the wood or whatever.

SPEAKER_00:

Yeah.

SPEAKER_01:

So I want you to think of that as a visual, and you're standing as a visual, and you're kind of standing at the top. Is an attending only has one way to get disability insurance, and that's to go down this path A. That's the traditional way, which is full underwriting. Full underwriting means we're gonna get your medical records, prescription medication checks, we're gonna get attending physician statements, you're gonna answer some questions. That's the only way most attendings are gonna be able to get their disability insurance. With a resident, most residents will have access to what's called guaranteed standard issue, which means it's an individual policy that's true on occupation that has all of the must-have riders that a fully underwritten policy has, except you can bypass medical underwriting. You can completely skip a health questionnaire, labs, any questions about extreme sports, and it's guaranteed. Where people make mistakes for trainees, and this is if you're, you know, if you've been listening to me and I did my job of putting you to sleep, Amanda's listeners, this is where you want to wake up if you're a trainee. When you go down fully underwritten pathway, you're gonna have three answers. You'll have a yes, a no, or a yes but. And those yes buts are things like, well, we'll give you a policy, but we're going to exclude mental health because you're on an SSRI, or we're going to exclude your knee because you had reconstructive surgery. Once as a trainee, if you go down pathway A for fully underwritten and you do end up getting a denial or a modification, or sometimes just apply, you then cannot have the guaranteed standard issue. So you have to go there first. The mistake that we see trainees making is this not all agents can sell guaranteed standard issue. You have to be endorsed to sell that. And not many agents are. You know, you don't know what you don't know. So if you're working with an agent who doesn't know a GSI is available to you at certain institutions, it's never going to be mentioned. So you're going to apply and you're going to get a denial or a modification. Maybe you get a good policy. But if you get a denial and then you later learn there's the GSI, it's revoked. You can't go back and get it. Otherwise, it would just become a dumping ground for people with health considerations. The other factor is too, if an agent cannot sell the GSI, sometimes we see it conveniently neglected as a coverage option because the agency can't benefit from it. They'll roll the dice hoping you get offered a policy. And what they should do, like what we do, if we can't sell the GSI, we always refer out. So we'll point a client to the and be like, hey, this is available at your institution. We can't sell it. This is what you should do, you know, and here's why. So the critical takeaway here is the two questions that That can protect you are these number one, when you're working with your agent, ask this first can you sell a guaranteed standard issue GSI a coverage option? Number two, is this special offer available to me at my training institution? Most training institutions will have a GSI, not all. If you ask those two questions to your agent and you get a no, you should get a second opinion stat.

SPEAKER_02:

Okay.

SPEAKER_01:

Okay. Come ask us just to verify that that information is accurate.

SPEAKER_02:

Yeah, and thank you for explaining that. And so just to recap or go back to what you were talking about with the guaranteed standard issue policy, as far as the right time in training or in practice to buy disability insurance and how that GSI policy fits into the timing, you are saying as a resident, day one, look for that GSI, ask.

SPEAKER_01:

Yep, look for the GSI. And the reason for that, Amanda, is that the numbers, so the three big players in GSI space are Guardian, the standard, and emeritus. Those are the three, with Guardian being the largest. And we're in, you know, we're an endorsed agency with Guardian. So, you know, we can offer their GSI policies. But the reason you always want to move sooner is, you know, I had a call, I had two calls yesterday, two clients, one in Ohio, one in West Virginia, they would have, you know, benefited from skipping medical underwriting. Their institutions did have a GSI last year. But these GSI special offers made by these insurance companies, they monitor the numbers. And if certain numbers aren't met, the GSI option for coverage, they're terminated. So if you have any health history at all, or you have conditions that you're completely uninsurable, you know, if you know if you have diabetes, if you have, you know, cancer history, if you have severe mental health, musculoskeletal issues, if you have any conditions like that and you know that you're going to benefit from avoiding medical underwriting, the sooner the better. Because we agents, we don't control the GSI. The insurance companies do. And if certain benchmarks are not met, those programs will be terminated. And I won't affect you if you already have policy, just new people won't be able to purchase it.

SPEAKER_02:

Yeah. Yeah. So interesting. And I've already learned so, so much. So if listeners could walk away from this episode and just remembering one thing about protecting their income, what would it be?

SPEAKER_01:

Yeah, it would be to protect your insurability. To walk away with this, be sure to ask those two questions to any agent that you are currently working with. Or if this is on your radar in 2026 when you really don't get through the holidays, then uh put this on my radar, ask your agent those two questions. Can you sell a GSI coverage option? And is this special offer available to me at my institution? If the answer is no to either of those, either DM us or shoot me an email so we can verify that.

SPEAKER_02:

Okay. And speaking of them wanting to get in touch with you, asking questions, talking about working with you, what is the best way for them to get in touch with you? I know you talked about an email or DM. So share that with the listeners.

SPEAKER_01:

So the easiest way, you know, if you want to shoot me an email, it's Michael at moneymeetsmedicine.com. And we are very aggressive on Instagram and it's purely educational. So all of the posts and reels that we make on Instagram, they're for any agency. It's just strictly educational. If you watch our pinned reels and read our pinned posts, you're going to be in great shape.

SPEAKER_00:

Yeah.

SPEAKER_01:

You know, so if you want to go to our Instagram page, which is MMM underscore disability underscore insurance, if you want to go give us a follow or a like and then DM us MM, we'll send you a free resource, which is our updated version of our ebook, which literally, Amanda, will teach anybody who reads that everything you need to know about disability insurance in less than eight minutes. It is quick, it is clear, and you read that and you'll be in great shape to, you know, to see if this is something that you want to implement in your financial plan.

SPEAKER_02:

Yeah, no, thank you for that. So I highly recommend everybody give Michael a follow, send him a message, or download his ebook. Uh, this was super informative. So thank you. And I'll also put all of your links information in the show notes as well.

SPEAKER_01:

Awesome. Great, Amanda. Thank you. This was fun.

SPEAKER_02:

Yeah, so fun. And we are here at the end. And so my two questions for every single guest. The first one is what advice would you offer your younger self?

SPEAKER_01:

Yes. Oh gosh, this is a tough question. I think it would just be be patient.

SPEAKER_02:

Yeah.

SPEAKER_01:

You know, as I found myself being a med spouse and running a business, just be more patient and ask more questions. You know, I I think I maybe got that from my mother, you know, raising kids, I can go from zero to 60 just like that. And so I would re advise myself, you know, just be patient. You know, everything works out at the end. You know, just be patient. So that would be my number one piece of advice for my younger self. Yeah. Would I take it? Probably not. But, you know.

SPEAKER_02:

I was gonna say I could use that advice now. I I feel like some some days my patience is is much better, better than others.

SPEAKER_01:

Can I give that advice to my older self as well?

SPEAKER_02:

Right. Exactly. And then the second question, just for fun, if your life were a reality TV show, what would the title be?

SPEAKER_01:

Oh gosh. These are good questions. Um, probably Survivor, I think, would be an adequate title for a reality show for me.

SPEAKER_00:

Yeah.

SPEAKER_01:

You know, running an agency, balancing a home, being married to a physician. I think, I think Survivor, you know, it's crazy. We, and you know this, and many of your listeners might run a business themselves too. There are days where I work from six in the morning until like eight at night, nonstop. And I ask myself, hey, did my kids eat? Did I pick my kids up from school? I don't remember. And then at the end of the day, I feel like I didn't even accomplish anything. I'm like, did I really work today? What did I do? And I did. I sent you know 40 DMs and emails and made this automation and did a client, you know, review of a policy here. But you just get to yourself at the end of the day and you're like, what did I do today?

SPEAKER_00:

So yeah, but yeah, I survived.

SPEAKER_01:

You survived.

SPEAKER_02:

I think that would be perfect.

unknown:

I hope.

SPEAKER_02:

Exactly. Exactly. Well, Michael, thank you. I think this was such a great episode. I feel like we're gonna have a lot of additional questions. I learned a ton. I can't wait to download your ebook. And I think this was super informative for our listeners. So I just appreciate you and your time.

SPEAKER_01:

Awesome. Yeah, it was fun, Amanda. I really appreciate your time and thanks for the invite.

SPEAKER_02:

Yes, thank you. So hopefully, today's conversation gave you a bit of clarity around disability insurance. Not only is having disability insurance a must-have, but you also need to understand your coverage. It's imperative to protecting your family and protecting the life that you are building. I hope you walk away feeling informed, confident, and ready to take the next steps with eyes wide open. Thank you for joining us today, and until next time. That's a wrap on this episode of Behind the White Coat. I hope today's conversation left you feeling more understood and supported. If you enjoyed this episode, I would love for you to subscribe, leave a review, or share it with another physician spouse. Your support helps more of us to connect. Keep in mind this podcast is for you. So let's keep this conversation going. DM me on Instagram at Amanda Barron Realtor with your thoughts, topic ideas, questions, or even guest suggestions. I would really love to hear from you. Thanks for spending part of your day with me, and remember, you are never in this alone. See you next time.