Disability Insurance: What It Actually Covers And Where It Fails – Ben Glass: Ep# 576

Dentists assume they’re protected—until they actually need to file a claim.

Today, I sit down with disability attorney Ben Glass to unpack hidden traps inside professional disability policies. From misleading definitions, misunderstandings, claims denied and progressive conditions vs catastrophic injuries… prove preparation before filing is essential.

If you’re a dentist or healthcare professional who depends on your hands, vision, and stamina to earn a living, this episode is a critical reminder:

Bulletproofing your income requires more than paying premiums—it requires understanding what you actually bought.

Minute Markers:

00:00 – Intro
01:19 – Why disability insurance is a cornerstone of financial health
04:39 – The truth about “own occupation” policies and fine print traps
09:21 – How claims get denied when definitions are too broad
12:07 – Preexisting conditions and the danger of incomplete disclosures
15:22 – Partial and residual disability: what most dentists misunderstand
19:40 – Why medical records and documentation determine approval
22:09 – Income complexity, ownership roles, and unintended offsets
27:54 – Bulletproofing your income with annual policy reviews
29:28 – Partnership agreements, disability clauses, and succession risk
32:18 – Where to connect with Ben Glass and get informed before filing

If you like this episode, here are more episodes we think you’ll enjoy:

Ep #575 – Burn the Boats: How To Retire Without Slowing Down – Jim Palmer
Ep #508 – Time Management Principles and Strategies For Success and Enjoyment – Ben Glass

Links Featured on the Show:

Ben Glass: Website | LinkedIn
eBook: Your Profession, Your Policy, Your Fight by Ben Glass
Book: Exit Optional Playbook by David Phelps
Private Facebook Group: The Exit-Ready Dentist
Download the Exit Strategy Playbook
Schedule your Freedom Founders discovery call

#benglass #disabilityinsurance #ownoccupation #incomeprotection #freedombydesign #DentalStudents #PrivatePractice #DSOs #FreedomFounders

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