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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, limitations, and misconceptions surrounding employer-provided disability insurance.

They discuss how group disability insurance policies often include pre-existing condition limitations, taxable benefits, income offsets, ERISA restrictions, and definitions of disability that may not align with how physicians actually practice medicine.

This episode covers:

• Group disability insurance vs individual disability insurance
• True own-occupation disability insurance explained
• ERISA disability claims and appeals
• Social Security disability offsets
• Taxable vs tax-free disability benefits
• Pre-existing condition exclusions in employer plans
• Why physician bonuses and production income may not be covered
• Common misunderstandings about group LTD benefits
• Income protection strategies for physicians, residents, and attendings

Amber and Ethan also share a real-world case study illustrating how a physician believed he had $120,000 per year in disability coverage but ultimately received far less due to policy limitations.

If you're a physician, resident, fellow, attending, dentist, or medical professional evaluating disability insurance, this episode provides practical guidance on building a policy that can grow with your career and adapt to future financial needs.

🔗 To connect with Ethan Abramowitz:

📲 LinkedIn: https://www.linkedin.com/in/ethanfabramowitz

📲 Website: https://www.seltzerlegal.com/attorneys/ethan-abramowitz

📲 Phone: (215) 735-4222

📲 Email: ethan@seltzerlegal.com

#theresponsibleresidentpodcast, #amberstitt, #ethanabramowitz, #disabilityinsurance, #disabilityinsurancelaw, #physiciandisabilityinsurance

📻 Thank you for tuning in to The Responsible Resident!

To Download the FREE Medical Professionals Blueprint:

StittStrategies.com/Blueprint

If you would like a free quote, please contact us at:

mddisabilityquotes.com/responsible-resident

Amber Stitt is a disability insurance specialist with over 15 years of experience helping physicians protect their income and make informed financial decisions.

As the host of The Responsible Resident, she brings a structured, education-first approach to topics like disability insurance, underwriting, and income protection, areas often overlooked during medical training.

🔗 Connect with host, Amber Stitt, on Social Media:

• AMBER’S INSTAGRAM
• AMBER’S LINKEDIN
• AMBER’S FACEBOOK

📲 Be sure to visit the Stitt Strategies website:

www.StittStrategies.com

🎬 And remember, let's take action today!!!