When you can't quite get the angle, take hands-free selfies with the Samsung Galaxy Z Flip 5,

stand it up, step back, and your photos are also synced to your Chromebook, ready to edit.

The new Samsung Galaxy Z Flip 5 and Chromebook, available on Vodafone.

Behind the night, the surgery podcast, relevant and engaging content designed to help you

dominate the day.

Welcome back to Behind the Night. Today is part of our financial series. We are covering

disability insurance, and we are lucky enough to have an expert with us today.

Larry Keller is an insurance agent and certified financial planner from New York who has been in

the business for over 30 years and specializes in own occupation disability and term life

insurance for physicians. Larry, welcome to Behind the Night, our listeners are surgeons,

and most have a hard time imagining meeting disability insurance. Can you give an anecdote or two

of physicians who have benefited from their disability insurance?

Yeah, absolutely. And I would say most people, surgeons are otherwise, really find it hard to

believe that something is going to prevent them from working. But it could be something that is

very basic. Remember, especially as surgeons, you guys are delicate. Not only do you have

physical skills that allow you to do your job, but you've got really high mental skills.

And really, if everything is not working together, you might find that for a regular person,

becoming disabled is really almost unfalable. But for a surgeon, it really doesn't take all that much.

So I've had claims anywhere from musculoskeletal to neurological to accidents and believe it or not,

even in the areas of mental or nervous conditions that prevent someone. And in the era of

COVID, go talk to people that were practicing in pulmonary and critical care.

And these people are just not the same people that they were prior to the pandemic.

...