Cover Your Assets podcast

In this episode, host Billy Gwaltney takes a deep dive into the three key elements that make up a top private specialty disability policy and why they're essential for physicians looking to safeguard their financial security and maintain peace of mind. Billy breaks down each element in detail, offering insights and advice to help listeners make informed decisions about their coverage options. Listen to learn more about the three pillars and gain valuable insights into securing comprehensive coverage.



  • The first pillar: True Specialty Own Occupation Definition of Disability. Learn why this definition is crucial for ensuring policyholders receive full benefits even if they pursue alternative income sources. (1:53)
  • The second pillar: Enhanced Residual Benefit. Explore how this benefit covers partial disabilities, providing income support for physicians who can work part-time due to illness or injury. (3:52)
  • The third pillar: Recovery Benefit. Discover how this benefit ensures physicians receive continued support if they medically recover from a disability but experience a decrease in income upon returning to work. (5:04)

The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You’ve spent years of your life and hundreds of thousands of dollars to become a physician – this is the career that will give you and your family everything you’ve dreamed of! Don’t let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney shows you exactly what you need to do to protect your income and way of life.

Stay up to date with Billy on ⁠Facebook, ⁠LinkedIn, or ⁠YouTube.

If you have questions, feedback, or just want to connect, email Billy at ⁠⁠

Billy  Gwaltney

Billy Gwaltney

Contact Me