The Responsible Resident

Amber Stitt
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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.

  1. 5d ago

    Can GLP-1 Medications Affect Your Disability Insurance Underwriting? - RR Ep 21

    Send us Fan Mail Can taking Ozempic, Wegovy, Mounjaro, Zepbound, or another GLP-1 medication affect your disability insurance application?  In this episode of The Responsible Resident, disability insurance expert Amber Stitt explains how disability insurance underwriters are evaluating GLP-1 medications, weight loss, treatment stability, and medical follow-up for physicians applying for coverage. GLP-1 medications have transformed the treatment of obesity, type 2 diabetes, and metabolic conditions, but taking one does not automatically mean higher disability insurance premiums, exclusions, or postponement.  Instead, underwriters look at the bigger health picture, including why the medication was prescribed, treatment response, follow-up care, related medical conditions, and whether weight loss has established a stable baseline. Amber also explains why underwriters may want approximately 12 months of weight stability before giving full credit for a lower weight and why consistent medical documentation can be important during disability insurance underwriting. Whether you're a medical student, resident, fellow, or attending physician, this episode provides practical insight into GLP-1 medications, physician disability insurance underwriting, weight-loss medications, and the importance of timing and stability when applying for coverage. 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  2. Jul 22

    6 Assumptions That Keep Physicians from Buying Disability Insurance - And Why They Deserve a Second Look - RR Ep 20

    Send us Fan Mail Why do so many physicians postpone buying disability insurance?  Is employer group disability insurance enough?  What are the biggest misconceptions about physician income protection? In this episode of The Responsible Resident, Amber Stitt explores the 6 most common reasons physicians delay purchasing individual disability insurance, and why each assumption deserves a closer look.  From believing disability insurance is too expensive to relying solely on employer-sponsored group disability insurance, Amber explains how these common misconceptions can leave physicians vulnerable to significant financial risk. This episode covers: Why physician disability insurance protects your greatest financial asset, your future incomeGroup disability insurance vs. individual true own-occupation disability insuranceThe limitations of employer-provided disability insuranceWhy underwriting timing matters for physiciansHow future health changes can impact disability insurance eligibilityCommon disability insurance myths surrounding cost, health, and career securityWhy understanding disability insurance before you need it is essentialWhether you're a medical student, resident, fellow, or attending physician, this episode provides practical education to help you make informed decisions about disability insurance, income protection, and long-term financial security. 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  3. Jul 15

    What Is an Elimination Period? Understanding When Disability Benefits Actually Begin - RR Ep 19

    Send us Fan Mail What is an elimination period in disability insurance?  How long do physicians have to wait before disability insurance benefits begin?  Understanding the disability insurance waiting period is essential when designing an income protection strategy. In this episode of The Responsible Resident, Amber Stitt explains one of the most frequently misunderstood provisions in physician disability insurance: the elimination period, also known as the waiting period.  Learn how elimination periods work, why they affect disability insurance premiums, and how emergency savings and disability insurance work together to protect your financial future. This episode covers: What an elimination period is in disability insuranceHow waiting periods impact physician disability insurance benefitsWhy a 90-day elimination period doesn't always mean 90 consecutive calendar daysWaiver of premium benefits during a disability claimPresumptive disability provisions and when the elimination period may be waivedHow to choose the right elimination period based on your financial situationWhy understanding your disability insurance contract before a claim mattersWhether you're a medical student, resident, fellow, or attending physician, this episode will help you better understand disability insurance policy design and make more informed decisions about protecting your future income. #disabilityinsurance, #eliminationperiods, #waitingperiods, #theresponsibleresident, #theamberstittshow 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  4. Jul 1

    Physician Disability Insurance Hidden Tax Trap: Why Deducting Premiums Could Cost You Later - RR Ep 18

    Send us Fan Mail 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 insurance planning decisions: the tax treatment of disability insurance premiums and how it affects benefits at claim time. This episode is designed for medical residents and fellows, attending physicians, other medical professionals such as CRNAs, and any self-employed doctors transitioning into private practice, partnership, 1099 work, locums, or independent contractor roles. Amber explains the difference between paying disability insurance premiums with after-tax dollars versus deducting premiums as a business expense, and why that choice can determine whether your disability insurance benefits are tax-free or taxable. Learn how disability insurance taxation impacts monthly income replacement, why physicians often overlook this hidden tax trap, and when Business Overhead Expense (BOE) insurance may be treated differently. If you’re evaluating physician disability insurance, own-occupation disability coverage, or planning for private practice ownership, this episode will help you think more strategically about protecting your future income. Because disability insurance isn’t about saving taxes in a good year, it’s about preserving options in a hard one. 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  5. Jun 24

    Why Group Disability Insurance May Not Be Enough for Physicians with Ethan Abramowitz - RR Ep 17

    Send us Fan Mail 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 insuranceTrue own-occupation disability insurance explainedERISA disability claims and appealsSocial Security disability offsetsTaxable vs tax-free disability benefitsPre-existing condition exclusions in employer plansWhy physician bonuses and production income may not be coveredCommon misunderstandings about group LTD benefitsIncome protection strategies for physicians, residents, and attendingsAmber 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  6. Jun 17

    What Physicians Need to Know About COLA Riders & Future Purchase Options with Ethan Abramowitz - RR Ep 16

    Send us Fan Mail 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? In this episode of The Responsible Resident, Amber Stitt sits down with disability insurance attorney Ethan Abramowitz to discuss two of the most important disability insurance riders available to physicians: COLA riders and Future Purchase Options.  Together, they explain how inflation impacts disability insurance benefits, why COLA riders can help preserve purchasing power during a long-term disability claim, and how Future Increase Options allow physicians to increase disability insurance coverage without additional medical underwriting. This episode covers: Cost of Living Adjustment (COLA) riders explainedCPI-based vs fixed COLA disability insurance ridersFuture Purchase Options (FPOs) and Future Increase Options (FIOs)Disability insurance planning for residents, fellows, and attending physiciansHow inflation affects disability insurance benefitsProtecting future insurability and future earning potentialWhy own-occupation disability insurance remains the foundation of physician income protectionHow disability insurance riders support long-term financial resilienceIf you're a physician, resident, fellow, 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, 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  7. Jun 10

    Expert Legal Advice from Disability Insurance Attorney Ethan Abramowitz - RR Ep 15

    Send us Fan Mail 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 of The Responsible Resident, Amber Stitt sits down with disability insurance attorney Ethan Abramowitz to discuss the real-world challenges physicians face during the disability insurance claims process.  Drawing from years of experience representing physicians, dentists, and highly compensated professionals, Ethan shares valuable insights into disability insurance claims, policy definitions, partial disability benefits, residual disability riders, future increase options (FIOs), and the critical differences between individual disability insurance and employer-provided group disability insurance. This episode covers: True own-occupation disability insurance explainedIndividual vs group disability insurance benefitsCommon disability insurance claim mistakesResidual and partial disability claims for physiciansFuture Increase Options (FIOs) and protecting future insurabilityThe most common causes of physician disability claimsWhy policy design matters years before a claim occursHow attorneys evaluate disability insurance contracts during claimsIf you're a physician, resident, fellow, dentist, or medical professional, this conversation provides practical guidance on protecting your income, understanding disability insurance contracts, and preparing for the unexpected. Based on the discussion, this episode is particularly strong for physicians searching for information on own-occupation disability insurance, disability insurance claims, residual disability benefits, group LTD limitations, and physician income protection strategies. 🔗 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, 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

  8. Jun 8

    Amber Shares Why She Created The Responsible Resident - RR Ep 14

    Send us Fan Mail 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 physician financial planning explained through Amber Stitt’s personal story. In this final episode of the first season of The Responsible Resident, Amber Stitt shares the personal experiences and professional insights that shaped her passion for helping physicians protect their income and future earning power.  As a disability insurance specialist with over 15 years of experience and co-owner of MD Disability Quotes, Amber explains why education, clarity, and intentional planning matter when designing disability insurance strategies for physicians. This episode covers: Why physician income protection matters long-termHow disability insurance supports financial resilience and stabilityThe importance of thoughtful contract design and education-first planningWhy timing, structure, and underwriting decisions impact future optionsHow physicians can make more informed financial decisions with clarity and confidenceAmber also discusses the deeper purpose behind The Responsible Resident, helping physicians move beyond confusion and financial noise to make calm, informed decisions that support both their careers and the lives they are building. 📻 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 INSTAGRAMAMBER’S LINKEDINAMBER’S FACEBOOK📲 Be sure to visit the Stitt Strategies website: www.StittStrategies.com 🎬 And remember, let's take action today!!!

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About

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.

Information

  • Creator
    Amber Stitt
  • Years Active
    2026
  • Episodes
    22
  • Rating
    Clean
  • Copyright
    © 2026 The Responsible Resident
  • Show Website
    The Responsible Resident