The Responsible Resident

By 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

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FAQs about The Responsible Resident:

How many episodes does The Responsible Resident have?

The podcast currently has 36 episodes available.

The Responsible Resident episodes:

June 08, 2026Amber Shares Why She Created The Responsible Resident - RR Ep 14
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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-term
How disability insurance supports financial resilience and stability
The importance of thoughtful contract design and education-first planning
Why timing, structure, and underwriting decisions impact future options
How physicians can make more informed financial decisions with clarity and confidence
Amber 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
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
10min
June 05, 2026How to Pick Your Disability Insurance Advisor - RR Ep 13
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How do physicians choose the right disability insurance advisor and what is the difference between a captive agent and an independent advisor?
Physician disability insurance, underwriting strategy, own occupation coverage, and independent insurance planning explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down how physicians can evaluate disability insurance advisors, compare contract structures, and understand the importance of independent guidance during the underwriting and contract selection process.
Learn how advisor structure impacts which disability insurance policies, carriers, definitions, and pricing options you are shown, and why that matters for long-term income protection.
This episode covers key disability insurance concepts, including:
Captive agent vs independent disability insurance advisor
Why pre-screening matters before applying for coverage
How underwriting strategies vary between insurance carriers
The importance of reviewing formal disability insurance quotes and policy details
Why physician specialty, compensation structure, and future geographic moves impact policy design
Amber explains how disability insurance planning is not just about selecting a policy, it is about choosing the right combination of contract features, underwriting strategy, and long-term guidance for your medical career.
Follow for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
11min
June 03, 2026Extra Features in Your Disability Insurance Contracts - RR Ep 12
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What built-in disability insurance features should physicians pay attention to when comparing policies?
Own occupation disability insurance, ancillary benefits, waiver of premium, presumptive disability, and physician income protection explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down the built-in features and ancillary benefits commonly included in physician disability insurance contracts.
Learn how provisions like presumptive disability benefits, waiver of premium, rehabilitation benefits, COBRA premium reimbursement, family care benefits, survivor benefits, and hospice waivers can impact the long-term value and flexibility of your disability insurance coverage.
This episode covers key disability insurance concepts, including:
Presumptive disability benefits and waived elimination periods
Waiver of premium during disability claims
Rehabilitation and occupational recovery support
Family care and survivor benefits
COBRA premium reimbursement and health insurance protection
Good health credits and elimination period reductions
Amber explains why comparing disability insurance policies is not just about pricing, or monthly benefit amounts. It’s about understanding which contract features truly matter for your lifestyle, career, and long-term financial protection as a physician.
Follow for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
8min
June 01, 2026Should You Add a Catastrophic Disability Rider to Your Disability Insurance Contract? - RR Ep 11
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What is a catastrophic disability rider (CAT rider) in disability insurance and should physicians include it in their policy design?
Catastrophic disability insurance, own occupation coverage, and severe disability planning explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down how a catastrophic disability rider works inside a physician disability insurance policy and why it may matter in more severe disability scenarios.
Learn how CAT riders provide additional monthly benefits beyond your base disability insurance coverage when a disability impacts not only your ability to work, but also your ability to function independently.
This episode covers key disability insurance concepts, including:
What qualifies as catastrophic disability
Activities of Daily Living (ADLs) and severe cognitive impairment
How catastrophic disability riders supplement own occupation coverage
The financial impact of caregiving, home care, and long-term support needs
When physicians may prioritize CAT riders vs increasing base coverage
Amber explains how disability insurance planning is not just about replacing income, it’s also about creating flexibility, protecting independence, and reducing long-term caregiving burdens during severe disability scenarios.
Follow for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
10min
May 29, 2026Should You Add a Cost of Living Adjustment to Your Disability Insurance Contract? - RR Ep 10
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Should physicians add a Cost of Living Adjustment (COLA) rider to their disability insurance policy?
COLA rider, inflation protection, disability insurance for physicians, and income protection strategy explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down how a Cost of Living Adjustment (COLA) rider works in disability insurance and how it impacts long-term income protection for physicians.
Learn how COLA helps preserve purchasing power by increasing monthly disability benefits over time during a claim, and why it only activates after 12 months of continuous disability.
This episode covers key disability insurance concepts, including:
Fixed vs CPI-based COLA adjustments
How inflation impacts disability insurance benefits
The trade-off between adding a COLA rider vs increasing base coverage
When COLA makes sense for residents, fellows, and attending physicians
Why claim duration plays a critical role in COLA value
Amber explains that disability insurance design is not just about features, it’s about how you allocate premium dollars for immediate vs. long-term protection.
Understanding COLA helps physicians build a more strategic, sustainable income protection plan.
Follow us for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
8min
May 27, 2026Disability Insurance Premium Payments - RR Ep 9
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How do disability insurance premiums work, and which pricing structure is best for physicians long-term?
Fixed premiums, projected level premiums, and graded premiums explained for disability insurance planning.
In this episode of The Responsible Resident, Amber Stitt breaks down how disability insurance premiums are structured and why pricing design matters for physicians evaluating long-term income protection.
Learn the key differences between fixed premiums (level), projected level premiums, and graded (increasing) premiums, and how each impacts affordability, flexibility, and total cost over time.
This episode covers essential disability insurance concepts, including:
How fixed premiums provide long-term stability and predictable costs
When projected level premiums may adjust and how they are regulated
Why graded premiums start lower but can become more expensive over time
How premium structure affects residents, fellows, and attending physicians
The importance of aligning cost structure with long-term financial planning
Understanding disability insurance pricing is critical for physicians, as policies are designed to protect income over decades, not just in the short-term.
Choosing the right premium structure ensures your coverage remains sustainable as your career evolves.
Follow for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
7min
May 25, 2026How To Pick the Best Disability Insurance Purchase Option - RR Ep 8
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What are Future Purchase Options (FPO), Future Increase Options (FIO), and Benefit Increase Riders (BIR) in disability insurance, and how do physicians use them to grow coverage over time?
Disability insurance for physicians, income protection, and future increase riders explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down how physicians can increase disability insurance coverage as income grows, without going through medical underwriting again.
Learn the difference between the Future Increase Option (FIO) rider and the Benefit Increase Rider (BIR), how each works, and when each may be appropriate based on career stage, income trajectory, and employer disability coverage.
This episode covers key disability insurance concepts, including:
How future purchase options protect insurability
Annual vs periodic increase opportunities
Financial underwriting vs medical underwriting
How employer group disability insurance impacts private coverage
Why residents, fellows, and early attendings often rely on built-in increase features
Understanding how disability insurance riders work allows physicians to design income protection strategies that evolve with their careers while maintaining flexibility and control.
Subscribe for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
10min
May 22, 2026Common Mistakes When Purchasing Disability Insurance - RR Ep 7
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What are the most common disability insurance mistakes physicians make, and how can you avoid them?
Disability insurance for physicians, own-occupation coverage, underwriting strategy, and income protection explained clearly.
In this episode of The Responsible Resident, Amber Stitt breaks down the most common disability insurance mistakes doctors make when purchasing coverage and how to approach disability insurance with clarity and strategy.
Learn why waiting too long, focusing only on discounts, and skipping pre-screening can impact your eligibility, pricing, and long-term income protection.
This episode highlights key disability insurance concepts, including:
Why timing, health history, and underwriting matter
The importance of pre-screening before applying
Differences in disability insurance contracts and policy definitions
When Guaranteed Standard Issue (GSI) disability insurance may, or may not be the right fit
How application strategy impacts underwriting outcomes and future options
Disability insurance is not just about buying a policy, it is about protecting your income, maintaining financial flexibility, and making informed decisions early in your career.
Subscribe for more physician-focused education on disability insurance and financial planning.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
8min
May 20, 2026 How Much Disability Insurance Coverage Do You Need? - RR Ep 6
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How much disability insurance should physicians have—and how is coverage calculated?
Disability insurance for doctors, income replacement, issue and participation limits explained.
In this episode of The Responsible Resident, Amber Stitt explains how much disability insurance physicians should carry, including income replacement percentages, training limits for residents, and how financial underwriting determines benefit amounts.
Learn how group disability insurance impacts private coverage, what issue and participation limits mean, and how to structure income protection throughout your career.
Follow, for more on disability insurance, underwriting, and financial planning for physicians.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
10min
May 18, 2026 Medical Underwriting for Disability Insurance - RR Ep 5
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What is medical underwriting for disability insurance—and how does it impact physicians?
Disability insurance underwriting, exclusions, pricing, and income protection explained clearly.
In this episode of The Responsible Resident, Amber Stitt explains how medical underwriting works for disability insurance, including how health history, medications, and timing affect eligibility, policy design, and pricing.
Learn the differences between individual disability insurance, group coverage, and guaranteed standard issue (GSI) policies—and why pre-screening and early planning matter for physicians.
Follow for more on disability insurance, underwriting, and financial planning for physicians.
📻 Thank you for tuning in to The Responsible Resident!
To Download the FREE Medical Professionals Blueprint:
StittStrategies.com/Blueprint
Amber Stitt is a nationally recognized Disability Insurance specialist with over 15 years of experience helping physicians and high-income professionals protect their income and financial stability.
As co-owner of MD Disability Quotes with top Disability Expert, Scott Nelson-Archer, and founder of Stitt Strategies, Amber works with physicians nationwide to design income protection strategies that are personal, portable, and aligned with the realities of a specialized medical career.
To schedule a disability insurance strategy session, click here.
To request physician disability insurance quotes, click here.
You can email us: [email protected]
Call 480-707-2771 (9 AM-5 PM MST)
Text “Insurance” to 480-707-2771 at your convenience.
...more
12min

FAQs about The Responsible Resident:

How many episodes does The Responsible Resident have?

The podcast currently has 36 episodes available.