insurance
Despite the presence of plenty of information about doctor disability insurance on the internet, too many of them are still doing it wrong.
More common than becoming disabled is becoming uninsurable or less insurable. People develop medical problems all the time in their 20s, 30s, and 40s. These folks often discover that they cannot buy insurance at all.
Do yourself a favor and make sure you buy a large enough policy to both pay all of your living expenses AND save for retirement (remember these policies generally stop paying at age 65-67).
Buy a policy as an intern, even if you cannot afford a policy as large as you need, want, and eventually will be able to afford. Get something in place.
#4 Didn’t Buy Before Changing States
If you expect to move soon from one state to another, check with an independent disability insurance agent to find out which state is cheaper. Buy it there, or at least swap policies once you get to the new, cheaper state.
#5 Didn’t Get the Partial/Residual Disability Rider
This rider provides a benefit if you are partially disabled and as you return from disability. Make sure your policy has this benefit.