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Every year, we see smart, hardworking training physicians make one quiet but expensive mistake: They mismanage their need for disability insurance. Not out of laziness. ❌ Not out of ignorance. ❌ But because residency is chaos, time is short, and most assume: “I’ll get to it later.” Here’s what “later” can cost: • Losing Guaranteed Standard Issue (GSI) because you applied somewhere else first • Higher premiums for life because your age went up (yes—rates increase every birthday) • Medical exclusi
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