How To Avoid Disability Insurance Mistakes With Aaron Brooker

🎙️ 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗯𝗮𝗰𝗸 𝘁𝗼 𝘁𝗵𝗲 𝗣𝗵𝘆𝘀𝗶𝗰𝗶𝗮𝗻𝘀 𝗮𝗻𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝗶𝗲𝘀 𝗣𝗼𝗱𝗰𝗮𝗰𝘀𝘁 𝘄𝗶𝘁𝗵 𝗵𝗼𝘀𝘁 𝗗𝗿. 𝗔𝗹𝗲𝘅 𝗦𝗰𝗵𝗹𝗼𝗲.💡 What if your biggest asset isn’t your portfolio… but your ability to earn as a physician—and one injury or illness could wipe out your financial freedom plan overnight?In today’s episode, I’m joined by Aaron Brooker from LeverageRx—world traveler, former middle school educator, and dad of three—who now helps physicians protect their income with the right disability insurance.We break down what “true own-occupation” actually means, why employer coverage is rarely enough, and the most common traps physicians fall into (usually because no one ever taught us this stuff in training). Aaron shares real-world examples—including a surgeon who injured his hand—and explains why disability insurance isn’t just for proceduralists… it matters for family medicine, psych, and everyone in between.If you’re building wealth through real estate and entrepreneurship, this episode is a reminder: protect the engine before you upgrade the vehicle.🔥 𝗪𝗵𝗮𝘁 𝘆𝗼𝘂’𝗹𝗹 𝗹𝗲𝗮𝗿𝗻: ✔️ Why your physician income is your #1 wealth-building tool until assets replace it ✔️ The biggest mistake doctors make: assuming employer disability is “good enough” ✔️ What “true own-occupation” means—and why it can pay even if you work another job ✔️ Why waiting to buy can cost you (exclusions from back pain, anxiety meds, labs, etc.) ✔️ A simple napkin-math framework for how much coverage is “enough” ✔️ The best time to buy: residency/fellowship discounts + GSI (guaranteed options) ✔️ The key riders doctors should understand (and the ones that actually matter) ✔️ Partial/residual disability: the scenario most physicians don’t realize can happen ✔️ What disability looks like for practice owners (business overhead expense coverage) ✔️ Common “cheap policy” traps that look good now—but fail when you need them🔥 𝗞𝗲𝘆 𝗧𝗮𝗸𝗲𝗮𝘄𝗮𝘆𝘀: ✅ Your biggest asset isn’t your rentals or retirement account—it’s your ability to earn. Protect it. ✅ Employer disability often caps low and can be taxable… leaving a huge gap. ✅ “True own-occupation” is the game-changer: it protects your specific physician job. ✅ Buy earlier while you’re healthy—waiting can lead to exclusions or higher costs. ✅ The riders matter: non-cancelable/guaranteed renewable, residual, COLA, and future purchase options are huge. ✅ If you own a practice, consider policies that keep the lights on if you can’t work. ✅ Don’t fall for cut-rate coverage—disability insurance is one place you don’t want to “cheap out.”Connect With Aaron Brooker:LinkedInWebsiteIf you want to learn how investing in real estate can give you the freedom to practice medicine and live life how you want then check out the links below:Facebook CommunityWebsiteInstagramYoutubeInvest With MeJoin The RAL Room Assisted Living Mastermind