Disability insurance might be the most misunderstood part of a financial plan—but it's also one of the most critical. In this episode, we break down everything chiropractors need to know about protecting their most valuable asset: their ability to earn an income. From understanding policy components to navigating coverage options, we make this complex topic surprisingly straightforward.

Chapters:

• 00:00 Introduction to Disability Insurance

• 00:37 Why Insurance Gets Kicked Down the Road

• 01:32 What Triggers Insurance Conversations

• 02:44 Understanding Disability Insurance Basics

• 04:12 Dr. Sarah's Scenario: A Real-World Example

• 05:52 The Three Components of Disability Coverage

• 10:44 Protecting Your Lifetime Earning Potential

• 12:31 What Makes a Quality Disability Contract

• 14:55 Residual Benefits Explained

• 17:28 Business Overhead Expense Coverage

• 20:01 What Good Coverage Looks Like for Chiropractors

• 23:33 Understanding Non-Cancellable Contracts

• 25:27 Future Insurability Options for New Grads

• 28:21 How to Pay for Disability Coverage

• 31:10 Common Objections: "It's Too Expensive"

• 34:19 The "I'm Healthy" Myth

• 37:42 Living Life with Confidence

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