We get to speak with Broc Buckles, an independent disability insurance agent, about why own occupation disability insurance is so important. We talk through the various riders available to policies, as well as the relationship between employer provided coverage and personal supplemental coverage. There are tax consequences for each type. Broc also shares insights on why *who* we buy our policy from is very important. Overall it is very important for physicians to get their own personal policies as soon as they can reasonably afford it.