The Responsible Resident with Amber Stitt
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 is built from more than 45 years of combined experience alongside her business partner, Scott Nelson-Archer—together the longest-tenured disability insurance experts featured by White Coat Investor.
These episodes are curated from real client stories, underwriting casework, and decades of physician disability insurance planning—giving listeners direct insight into the questions, mistakes, and decision points physicians face as they move through training and into practice.
The focus is simple: helping physicians understand what matters most during training—timing, underwriting, contract design, and protecting future earning power.
Many physicians assume these financial decisions can wait. What this series explains—clearly and practically—is that health history, underwriting, and timing can shape your options more than most realize. The flexibility available during training can create stronger opportunities, but those windows do not stay open forever.
The goal is not rushed action. The goal is informed action—so when clarity arrives, you can move with confidence while your options are still at their strongest.
If you’re in training and want to understand your options before life, health, or career changes shape them for you, this podcast is for you.
For the numbers behind the episodes, see the resident and fellow benefit limits, with answers to the questions residents ask most.
Browse Episodes
Do physicians really need disability insurance if they are healthy, have a secure career, or already have employer coverage? This episode examines six common assumptions physicians make about disability insurance and why understanding your coverage before your health or career changes can help protect your future income.
- Amber Stitt
What is an elimination period in disability insurance, and when do benefits actually begin? This episode explains how disability insurance waiting periods work and what physicians should understand about their policy before a claim occurs.
- Amber Stitt
Are disability insurance premiums tax deductible for physicians? This episode explains how paying or deducting premiums can affect whether your disability benefits are taxable and how much usable income you may receive at claim time.
- Amber Stitt
Is group disability insurance enough for physicians? This episode explores how covered earnings, benefit offsets, taxes, own-occupation definitions, and other group LTD limitations can affect the disability benefits physicians actually receive.
- Amber Stitt
Is a COLA rider worth adding to physician disability insurance? This episode explores how Cost of Living Adjustment riders can help benefits keep pace with inflation and how COLA fits alongside true own-occupation coverage, residual disability, and Future Increase Options.
- Amber Stitt
How does disability insurance work for physicians when an illness or injury affects their ability to practice? Disability insurance attorney Ethan Abramowitz explains true own-occupation coverage, partial disability benefits, group insurance limitations, and what physicians should understand before a claim occurs.
- Amber Stitt
Why should physicians protect their income and future earning power? This episode explores how thoughtful disability insurance planning, financial resilience, and informed decisions can help protect the career, family, and life you are building.
- Amber Stitt
How do you choose the right disability insurance advisor? This episode explains the difference between independent and captive advisors and what physicians should consider when comparing carriers, contract options, and underwriting strategies.
- Amber Stitt
More Episodes
- Amber Stitt
All Episodes
Newest first
- Do High-Net-Worth Physicians Still Need Life Insurance?
- When Should Physicians Review Their Life Insurance?
- 6 Common Life Insurance Mistakes Physicians Make
- Is Life Insurance Through Work Enough for Physicians?
- How Do You Choose a Life Insurance Beneficiary?
- Can Non-U.S. Citizen Physicians Get Life Insurance?
- Can Physicians Trust AI When Researching Life Insurance?
- How Does Life Insurance Underwriting Work for Physicians?
- Should Physicians Buy Life Insurance During Residency?
- What Are Living Benefits in Life Insurance for Physicians?
- What Is Life Insurance Laddering for Physicians?
- Term vs. Permanent Life Insurance for Physicians
- How Much Life Insurance Do Physicians Need?
- Why Do Physicians Need Life Insurance?
- Why Do Physicians Get Declined for Disability Insurance?
- Do GLP-1 Medications Affect Disability Insurance?
- Do Physicians Really Need Disability Insurance?
- What Is an Elimination Period in Disability Insurance?
- Are Disability Insurance Premiums Tax Deductible?
- Is Group Disability Insurance Enough for Physicians?
- Is a COLA Rider Worth It for Disability Insurance?
- How Does Disability Insurance Work for Physicians?
- Why Should Physicians Protect Their Income?
- How to Choose a Disability Insurance Advisor
- What Features Are Included in Disability Insurance?
- Should You Add a Catastrophic Disability Rider?
- Should You Add a COLA Rider to Disability Insurance?
- How Do Disability Insurance Premiums Work?
- What Is the Best Disability Insurance Purchase Option?
- What Disability Insurance Mistakes Should Physicians Avoid?
- How Much Disability Insurance Should Physicians Have?
- What Is Medical Underwriting for Disability Insurance?
- When Should Physicians Buy Disability Insurance?
- How Do Disability Insurance Contracts Work for Physicians?
- Employer vs. Private Disability Insurance for Physicians
- What Is Disability Insurance and Why Does It Matter?
- Focus on Community: Empowerment by Building Resilience for Individuals and Networks
- Focus on Marketing & Tech: Balancing Technology and Human Connection
- Focus on Risk: The Story Behind Disability, Death & Unclaimed Insurance Benefits
- Focus on Money: Balancing Priorities between Family, Business, and Financial Discipline
- Focus on Talents: The Story Behind Scott Archer’s Personal Disability and His Success in Business
- Focus on Money: Mortgages, Markets & Dating your Rate
- Focus on Talents and Money: How to have Resilience and Longevity in your Life
- The Activator Theme: Hey! When can we start?
- Focus on Community: What was the Great Resignation? and how does it affect Financial Services?
- Focus on Risk: Will Your Group Disability Insurance Plan Pay at Claim Time?
- Focus on Money: Are there any Principles behind your Planning?
- Focus on Money: Day 12 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 11 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 10 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 9 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 8 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 7 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 6 of Amber’s “12 Days” of Financial Tips
- Focus on Money: Day 5 of Amber’s 12 Days of Financial Tips
- Focus on Money: Day 4 of Amber’s 12 Days of Financial Tips
- Focus on Money: Day 3 of Amber’s 12 Days of Financial Tips
- Focus on Money: Day 2 of Amber’s 12 Days of Financial Tips
- Focus on Risk: What is the concept of People Insurance and Insuring your Golden Eggs?
- Focus on Money: Day 1 of Amber’s 12 Days of Financial Tips
- Phoenix is Chapter of the Year for Women in Insurance and Financial Services
- Focus on Talents: Emotional Intelligence and Techniques that will help you today
- Focus on Community: What is DEI Really?
- Long-Term Care Awareness: Three Facts you may not know!
- Focus on Risk: Don’t be Afraid to Start the Conversation about Extended Care
- Hello November – Day Six of Gratitude
- Hello November: Day Five – Days of Gratitude
- Hello November: Day Four – Days of Gratitude
- Hello November: Day Three – My Days of Gratitude
- Focus on Money: Help Your Clients Owe Less to the IRS this Tax Season
- Hello November: Day Two – My Days of Gratitude 2022
- Long Term Awareness: Factors that can change costs on your insurance contract
- Hello November: Day One – My Days of Gratitude
- Focus on Money: Set up Mortgages as part of your financial plan and money goals
- Long-Term Care Insurance covers more than you think!
- Focus on Community: The Hope Blooms – Brunch and Bubbly Fundraiser
- Focus Risk: Did you know that Life Insurance Covers more than burial needs?
- Focus on Risk: Protect your Precious Pumpkins this year!
- Focus on Risk and Money: Reduce your Budget not Your Life Insurance!
- Focus on Risk: Do you know the difference between Employer and Personal Life Insurance?
- Focus on Risk: Don’t let change scare you this season!
- Focus on Tech: Would you pay a Ransom? How a Dental Practice received a Ransom Request
- Focus on Risk: Protect your loved ones this season!
- Focus on Tech: 3 Tech Myths that can leave you at risk every day
- Focus on Risk: Insurance Tips for Females and Families when facing a Breast Cancer Diagnosis
- Focus on Community: Let’s Dispel the Myths Behind Domestic Violence Awareness & Support the Cause
- Focus on Community: Empower Women by Breaking the Cycle of Generational Poverty
- Female Focused: How Medications Affect Life Insurance Rates
- Do You Need an Inflation Rider on your Own Occupation Disability Insurance Contract?
- Did you know that Women’s rates are usually less than male’s rates for Life Insurance?
- Female Focused: How Wellness Visits Affect Life Insurance Rates
- Female Focused: How Fertility Check-ups Affect Life Insurance Rates
- Female Focused: How Pregnancy Affects Life Insurance Rates
- 5 Steps to Help you Relax and Take the Gallup Strengths Talent Assessment
- What is True Own Occupation: Physician Specific Disability Insurance?
- Clifton-Strengths: Why do I love the Gallup Clifton-Strengths Assessment?
- Physician’s Edition: What are Benefit Periods?
- What Females Need to know about Disability Insurance Before Applying
- Physician’s Edition: Meet the #MDDQ Team!
- Physician’s Edition: What are Good Health Benefits?
- Physician Edition: What are Non-Disabling Injury Riders?
- Physician’s Edition: What is the Residual and Recovery Rider?
- The Amber Stitt Show: How to Follow the Pathways to Peak Performance!
- WIFS: Come Join Us in Phoenix | Amber Stitt
- Take Action Today: Financial Literacy for All!
- Women in Financial Services: Join Us! | Amber Stitt
- The Achiever Theme | Amber Stitt
- Clifton-Strengths Theme: What is an Achiever?
- 5 Steps to Help you Take the Your Gallup CliftonStrengths Assessment
- What is a CliftonStrengths Report?
- What are My Top 5 Clifton-Strengths?
- The Amber Stitt Channel: This is My Story
- Physician’s Edition: What is a COBRA Rider?
- Physician’s Edition: Are Cosmetic Surgeries or Donor Transplants Covered under Own Occupation Disability Insurance Plans?
- Physician’s Edition: What are Issue and Participation Limits?
- Physician’s Edition: What is a Catastrophic Rider aka CAT Coverage?
- Physician’s Edition: Modified Own Occupation vs. True Own Occupation
- Physician’s Edition: What is a Presumptive Disability? Will Your Waiting Period be Waived?
- Physician’s Edition: What is a COLA Rider? Learn How it Works and If You Should Buy One
- Physician’s Edition: What is a Future Purchase Option Rider on a Disability Insurance Contract?
- Physician’s Edition: How does a Residual Rider and What Type is Best for You?
- Physician’s Edition: Do You Really Need Own Occupation Disability Insurance?