Mar 14, 2025
In this episode of the Finding Financial Freedom Podcast, we sit down with Dr. Stephanie Pearson, a former physician turned disability insurance advocate. After experiencing firsthand the financial consequences of inadequate coverage, she now helps medical professionals secure the right disability insurance to protect their future.
Stephanie breaks down the evolving landscape of disability insurance, explaining the challenges physicians face when applying for policies and how different carriers classify occupations. She also shares insights on state-specific policy variations and industry changes that could impact your financial security.
Key Topics Covered:
1. From Physician to Advocate
Dr. Pearson’s journey from clinical medicine to educating
physicians on disability insurance.
2. Industry Shifts in Disability Insurance
How the disability insurance market is evolving and what it means
for you.
3. Understanding Occupational Classifications
Why physicians often get pigeonholed into specific risk categories.
4. Physician-Friendly Insurance Carriers
Are there companies offering better options for doctors?
5. State-by-State Policy Differences
How disability insurance coverage and regulations vary depending on
where you live.
6. Real-Life Impact of Disability Insurance
A case study on how proper coverage changed a physician’s financial
future.
7. Why Choose Pearson Ravitz?
What sets Pearson Ravitz apart in helping physicians secure the
right coverage.
Resources Mentioned:
Listener Takeaways:
- Not all disability insurance policies are created equal—know your options.
- Occupational classification can affect your premiums and benefits.
- Choosing the right insurance carrier can make a significant difference in your coverage.
- State regulations may impact your policy terms and pricing.
Connect with Us:
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Host: Dr. Disha Spath, The Frugal Physician
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Guest: Dr. Stephanie Pearson, CEO and Insurance Advisor
This episode is sponsored by:
PearsonRavitz – Helping physicians safeguard their most valuable assets.