Cover Your Assets Podcast with Billy Gwaltney

Hosted by Billy Gwaltney

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Episodes

169

Latest episode

Jul 2026

Language

EN-US

About the show

Don’t let accidents, illness, or injury destroy your hard work. You’ve spent years of your life and hundreds of thousands of dollars to become a physician. This is the career that will give you and your family everything you’ve dreamed of. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the C.Y.A. Podcast, Billy Gwaltney shows you exactly what you need to do to protect your income and your way of life—looking for even more how-to's? Make sure to check out his best-selling book on Amazon! (See website)

Listen to episodes

60 recent

July 22, 2026Episode 1684 min

What is the grace period for getting a resident or fellow discount for disability insurance?

In this episode, Billy Gwaltney breaks down the essential details physicians and medical trainees should understand about securing disability insurance discounts, including grace periods, medical considerations, and tips for locking in rates early. Key topics The importance of securing disability insurance coverage before or shortly after graduation The four top-tier carriers offering trainee discounts: Mass Mutual, Guardian, Principal, and Ameritas Grace periods: 90 days for Mass Mutual and Guardian; 180 days for Principal and Ameritas How health and moving during the grace period can impact your rates Strategies for starting coverage at lower amounts and scaling later Why it’s crucial to act promptly to secure discounts and maintain favorable rates Additional resources and ways to connect for personalized advice Chapters 00:19 - Welcome 00:46 - The top four carriers offering trainee discounts 01:16 - Details of the 90-day grace period for Mass Mutual and Guardian 01:44 - Understanding the 180-day grace period for Principal and Ameritas 02:40 - How to lock in your discount and maintain it forever 03:07 - Starting coverage at lower amounts and scaling up later 03:37 - How to discuss your specific situation and get personalized advice 04:27 - Connecting with Billy Gwaltney for questions and further assistance 04:56 - Closing remarks and contact information

July 8, 2026Episode 1676 min

Should I Pay Down Debt or Increase My Disability Coverage?

In this episode of Cover Your Assets, disability insurance specialist Billy Gwaltney addresses whether physicians should prioritize paying down debt or increasing private disability coverage. He emphasizes the importance of having adequate insurance before debt repayment, especially for physicians facing high student loans and career uncertainties. Key topics Importance of disability insurance for physicians Risks of relying on employer policies Timing of insurance purchase relative to debt payoff Balancing debt repayment with insurance coverage Chapters 00:20 Welcome 00:15 Debt vs. Disability Coverage: The Dilemma 02:37 The Importance of Insurance in Financial Planning 04:54 Final Thoughts on Disability Coverage

June 24, 2026Episode 1668 min

How to avoid becoming an "orphaned" disability policyholder

In this episode of Cover Your Assets, host Billy Gwaltney discusses the critical importance of choosing the right disability insurance broker to avoid becoming an 'orphaned' policyholder. He emphasizes the risks of working with inexperienced agents and shares insights on how to ensure ongoing support and claims assistance. Chapters 00:20 Welcome 02:04 The Importance of a Reliable Broker 04:53 Navigating Claims and the Role of Advocacy The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

June 10, 2026Episode 1655 min

If disability rates are not negotiable, why do rates vary so much between brokers?

In this of Cover Your Assets, host Billy Gwaltney clarifies how disability insurance rates are determined, why they vary between brokers, and how to ensure you're getting the best coverage without overpaying. Physician listeners will learn what to look for in policies and how to compare offers effectively. Chapters 00:20 Welcome 02:36 The Importance of Coverage Details 03:58 Avoiding Common Pitfalls in Insurance Quotes The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 27, 2026Episode 1648 min

Is it ok to wait until I graduate to buy GSI disability insurance?

In this episode of Cover Your Assets, Billy Gwaltney addresses whether residents and fellows should wait until graduation to purchase guaranteed standard issue disability insurance. He covers the benefits, timing, and strategic considerations for securing disability coverage during training using his expertise in disability insurance. Chapters (00:20) Welcome (03:04) The Importance of Securing Coverage Early (05:54) Navigating the Risks of Waiting for Insurance The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 20, 2026Episode 1633 min

What are the eligibility rules for the Ameritas GSI for residents and fellows?

On this episode of the Cover Your Assets podcast, Billy Gwaltney dives into a crucial topic for medical professionals: the eligibility rules for Ameritas GSI, or Guaranteed Standard Issue, disability insurance for residents and fellows. If you’re a physician in training, knowing the nuances of this insurance can provide the financial security you need. In this episode, Billy uses his expertise in disability insurance to break down the key eligibility requirements and tips to avoid common pitfalls. Keywords Disability Insurance, Ameritas GSI, Medical Residency, Physician Coverage, Fellows The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 13, 2026Episode 1624 min

Are you aware of the 'missing work' knockout question for GSI disability insurance?

On this episode of the Cover Your Assets podcast, Billy Gwaltney explores critical financial strategies for physicians, focusing on an often-overlooked topic: the knockout questions related to missed work when applying for Guardian's Guaranteed Standard Issue (GSI) disability insurance. As a disability insurance specialist, Billy breaks down the crucial aspects of GSI, including what you need to know to safeguard your coverage. Keywords Disability Insurance, Guardian GSI, Medical Residency, Physician Coverage, Insurance Eligibility The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

May 6, 2026Episode 1618 min

What are the residents and fellows eligibility Rules for the Guardian GSI?

This episode of Cover Your Assets with your host Billy Gwaltney explores the eligibility rules for Guardian's Guaranteed Standard Issue (GSI) Disability Insurance for residents and fellows, clarifying common misconceptions and providing practical guidance. Chapters: (00:20) Welcome (00:25 Understanding Guardian's Guaranteed Standard Issue (GSI) Disability Insurance (03:42) Eligibility Criteria for GSI Disability Insurance (06:33) Navigating the GSI Application Process The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

April 22, 2026Episode 15310 min

Should I Increase to the Max coverage if I Don’t “Need” the Max?

In this episode, Billy Gwaltney delves into the complexities of disability benefits, focusing on the implications of having insufficient coverage when faced with disability. It highlights the importance of understanding policy features such as cost of living adjustments and the limitations that come into play once a person becomes disabled. The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .

April 8, 2026Episode 1525 min

Can I Increase Coverage While on Claim?

In this episode, Billy Gwaltney discusses the intricacies of insurance coverage during claims, particularly focusing on the limitations of increasing coverage based on salary changes. He explains the formula used by companies to determine eligibility for coverage and the stipulations surrounding benefit increase riders. The Cover Your Assets Podcast is on a mission to help physicians like you get their disability insurance right. You've spent years of your life and hundreds of thousands of dollars to become a physician — this is the career that will give you and your family everything you've dreamed of! Don't let accidents, illness, or injury destroy your hard work and the life you deserve. You know you need to be insured, but how do you sort through the mountains of information when you barely have enough time to eat? On the Cover Your Assets Podcast, host Billy Gwaltney, head of Professional Planning Group, Inc. , shows you exactly what you need to do to protect your income and way of life. For more tips and advice, connect with the CYA Podcast on YouTube and visit the Professional Planning Group online . Stay up to date with Billy on Facebook and LinkedIn . If you have questions, feedback, or just want to connect, email Billy at billy@ownoccdisability.com .