Hello, students and residents. My name is Mike Estefan, and I thank you for joining me today on this episode of the EM Clerkship Podcast.

As Zach alluded to during our last episode, this is the first episode of the bonus educational content that we are going to be putting out to supplement our

monthly oral board cases. The goal of these bonus episodes is to dive deeper into topics

that I was tested on during the preceding episode of the game. Before we begin, I want to give

a short plug to our sponsor, Pearson Rabbits.

As you probably can recall from recent episodes, Pearson Rabbits is a company that specializes in disability insurance for physicians, including both residents and attendings.

Let me share a quick story with you guys. This happened just two and a half

weeks ago to me. I was bouldering at my favorite climbing gym when I unexpectedly fell from the top

of the climbing wall and landed on my right wrist. And for reference, I'm right-handed. It hurt,

but I didn't think too much of it until later that night.

The same night after the fall, I went into my overnight ED shift, where I had to physically

restrain a combative hypoxic overdose patient who we had just pushed some IV Narcan on.

In the process of doing so, my wrist pain went from just a twinge to excruciating.

I was sure that I had fractured something.

It was so bad that after my ED shift, I checked myself into the ED to get an X-ray and get splinted.

After talking with occupational health, I learned that I would not be allowed to work clinically with a splint,

as it violates hand hygiene protocols, and that I would need to take disability leave if the

splints was medically necessary. Luckily, after an urgent appointment with sports medicine

and a stat MRI, it was determined that my injury did not require splinting at work and I was allowed to return to work.

I'm telling you guys this story because it was my wake-up call for how valuable and necessary disability insurance is.

I'm an otherwise healthy 29-year-old male who just prior to this was planning on signing up for disability insurance right before graduating

residency just to lock in the lower rates. I thought to myself that nothing would happen,

...