The Responsible Resident
The Responsible Resident Podcast is a short-form educational series designed for medical students, residents, and fellows who want clarity around financial decisions during training, without pressure, sales, or noise.
Hosted by Amber Stitt, co-owner of MD Disability Quotes and a 15-year specialist in physician income protection, this podcast focuses on what truly matters during medical training: timing, underwriting, and protecting future earning power.
Most residents believe financial decisions can simply be handled later. What this series explains, calmly and clearly, is that some decisions are influenced by health history and timing. Flexibility exists during training, but it does not last forever.
You don’t need to take action immediately. The goal is competence first, so when decisions matter, you’re prepared.
If you’re in training and want to understand your options before they narrow, this podcast is for you.
Episodes
19 episodes
Physician Disability Insurance Hidden Tax Trap: Why Deducting Premiums Could Cost You Later - RR Ep 18
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 insur...
Why Group Disability Insurance May Not Be Enough for Physicians with Ethan Abramowitz - RR Ep 17
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 insura...
What Physicians Need to Know About COLA Riders & Future Purchase Options with Ethan Abramowitz - RR Ep 16
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?...
Expert Legal Advice from Disability Insurance Attorney Ethan Abramowitz - RR Ep 15
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...
Amber Shares Why She Created The Responsible Resident - RR Ep 14
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 physicia...
How to Pick Your Disability Insurance Advisor - RR Ep 13
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...
Extra Features in Your Disability Insurance Contracts - RR Ep 12
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 ex...
Should You Add a Catastrophic Disability Rider to Your Disability Insurance Contract? - RR Ep 11
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 clea...
Should You Add a Cost of Living Adjustment to Your Disability Insurance Contract? - RR Ep 10
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 ep...
Disability Insurance Premium Payments - RR Ep 9
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 <...
How To Pick the Best Disability Insurance Purchase Option - RR Ep 8
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 prote...
Common Mistakes When Purchasing Disability Insurance - RR Ep 7
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 thi...
How Much Disability Insurance Coverage Do You Need? - RR Ep 6
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
Medical Underwriting for Disability Insurance - RR Ep 5
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 Residen...
When to Buy Disability Insurance - RR Ep 4
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 Re...
Disability Insurance Contracts - RR Ep 3
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 epis...
Employer or Association Disability Insurance vs. Private Disability Insurance - RR Ep 2
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
What Is Disability Insurance? - RR Ep 1
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 Resi...