Avoiding Disability Insurance Disasters
From Stimulus - Learn Tools to Crush It in Your Medical Career by Rob Orman, MD
May 11, 2026 · 1h 5m · Episode 168
About this episode
This episode discusses the critical importance of disability insurance for physicians and how to navigate its complexities.
Your ability to earn income is your most valuable financial asset. Physicians spend years protecting patients, building careers, and accumulating assets, yet many discover too late that the insurance designed to protect their income is full of loopholes, exclusions, and traps. Disability insurance sounds boring until the moment someone needs it, and then it becomes one of the most emotionally and financially consequential topics in medicine. In this episode, we explore the hidden realities of physician disability insurance, why employer policies often fail when doctors need them most, and how to think strategically about protecting future income before health problems appear. We also walk through what physicians should do when filing a disability claim, and how to avoid sabotaging the process from the very beginning. 💡 Get Rob's Book Supranormal: A Field Guide for the Impossible Job. Tools, mindsets, and communication techniques so you don't get eaten alive by a job you're good at. Buy it on Amazon Guest bio: Matthew Wiggins is the founder of Doc Insure and a leading educator in physician disability insurance. Since 2003, he has helped more than 15,000 doctors understand and…
People in this episode
Host: Rob Orman, MD
Guest: Matthew Wiggins
Topics covered
- disability insurance
- financial protection
- physician income
- insurance loopholes
- claim process
Keywords
- disability insurance
- physician income protection
- insurance claims
- financial asset
- health problems
Mentioned in this episode
Organizations: Doc Insure
Books & works: Supranormal: A Field Guide for the Impossible Job
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