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What Physicians Need to Know About COLA Riders & Future Purchase Options with Ethan Abramowitz
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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 explained
- CPI-based vs fixed COLA disability insurance riders
- Future Purchase Options (FPOs) and Future Increase Options (FIOs)
- Disability insurance planning for residents, fellows, and attending physicians
- How inflation affects disability insurance benefits
- Protecting future insurability and future earning potential
- Why own-occupation disability insurance remains the foundation of physician income protection
- How disability insurance riders support long-term financial resilience
If 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: [email protected]
#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 INSTAGRAM
- AMBER’S LINKEDIN
- AMBER’S FACEBOOK
📲 Be sure to visit the Stitt Strategies website:
www.StittStrategies.com
🎬 And remember, let's take action today!!!
View all episodes
By Amber StittSend 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 explained
- CPI-based vs fixed COLA disability insurance riders
- Future Purchase Options (FPOs) and Future Increase Options (FIOs)
- Disability insurance planning for residents, fellows, and attending physicians
- How inflation affects disability insurance benefits
- Protecting future insurability and future earning potential
- Why own-occupation disability insurance remains the foundation of physician income protection
- How disability insurance riders support long-term financial resilience
If 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: [email protected]
#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 INSTAGRAM
- AMBER’S LINKEDIN
- AMBER’S FACEBOOK
📲 Be sure to visit the Stitt Strategies website:
www.StittStrategies.com
🎬 And remember, let's take action today!!!