Episode Title
Trust, Coverage, and Clarity: What Every Dentist Should Know About Disability Protection
Dr. Bob Dee Interviews James Kachmar of Doctors Disability Specialists

Description
In this episode of the Dentistry in General Radio Network, Dr. Bob Dee sits down with James Kachmar, a trusted disability and life insurance agent from Doctors Disability Specialists. Together, they unpack the real-world implications of disability insurance for dentists—what matters, what to avoid, and how to protect both your personal income and your practice. With clarity and candor, James shares practical advice on how to build smart insurance plans that grow with your career, why “own-occupation” coverage matters, and the often-overlooked details in policy language. Whether you’re a dental student, new practice owner, or seasoned clinician, this episode delivers the critical information you need to make informed, confident decisions about your financial safety net.

Highlights
This episode covers essential insights on why disability insurance is more than just a policy—it’s protection for your livelihood. James explains the differences between individual and business overhead expense policies, breaks down confusing terms like “non-cancelable guaranteed renewable,” and reveals how exclusions and riders can shape your coverage. The conversation dives deep into real examples, including how to avoid being underinsured, the importance of customizing your plan as your income grows, and why having the right advisor can save you from costly surprises. Dr. Bob also shares personal anecdotes that drive home the reality of unexpected disability and the need for a solid plan.

Personal Passions
James shares how his journey into insurance began as a former schoolteacher, and how his father’s experience in the industry influenced his career. His passion lies in providing honest, tailored guidance that protects healthcare professionals from financial vulnerability. Dr. Bob’s commitment to equipping dentists with meaningful knowledge and trustworthy resources comes through strongly as he shares his personal experience of being advised by James without being sold a product.

Podcast Vision
The Dentistry in General Radio Network is committed to equipping dental professionals with real, actionable knowledge—beyond clinical technique. This episode reflects the podcast’s larger mission: to offer a safe, transparent space where dentists can learn from experts they can trust, and take steps to protect their professional and personal futures. ___________________________________________________________________

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