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Carving out a Creative Routine

01.11.21 // Reading, Writing

From Keep Going: 10 Ways to Stay Creative in Good Times and Bad by Austin Kleon:

In his book Daily Rituals, Mason Currey catalogs the daily routines of 161 creative individuals: when they woke up, when they worked, what they ate, what they drank, how they procrastinated, and more. It’s a wild collage of human behavior. Reading about the habits of writers alone is like visiting a human zoo. Kafka scribbled into the night while his family slept. Plath wrote in the morning before her children woke up. Balzac slugged fifty cups of coffee a day. Goethe sniffed rotten apples. Steinbeck had to sharpen twelve pencils before starting his work.

It’s undeniably fun to read about the routines and rituals of creative people, but what becomes clear after a while is that there is no perfect, universal routine for creative work. “One’s daily routine is a highly idiosyncratic collection of compromises, neuroses, and superstitions,” Currey writes, “built up through trial and error and subject to a variety of external conditions.” You can’t just borrow your favorite artist’s daily routine and expect it to work for you. Everyone’s day is full of different obligations—jobs, families, social lives—and every creative person has a different temperament.

I’m not always sure that what I do here qualifies as creative work, but it’s so easy to fall into the jealousy trap looking at the routine of a full-time professional creative. It’s not hard to read a book like Cal Newport’s excellent Deep Work and think, yeah, that’s how you do it—if you’re an academic or knowledge worker.

I’m an academic physician working in a private practice. When you break it down transactionally, I trade time for money and then do a whole bunch of unpaid work on top that helps give my job extra meaning.

I’m a dad and a husband.

And that’s why it’s so much easier to have an amateur’s mindset instead of a professional’s: to do something because you like it or when the stars align.

But I’ve also found that I do better work and find more satisfaction in the work when it’s part of a routine (i.e. a modified professional mindset). My routine just isn’t one that involves long uninterrupted periods of deep work or a cabin in the woods.

I think the key is carving out a habit—or maybe a better word is a pattern—that allows you to fold in your avocations in a way that allows for regularity despite dominant competing obligations, recharges your battery, and still results in enough forward progress on your larger projects (if you have them) as to not be demoralizing (and it’s actually that last part that’s the hardest).

Productive Procrastination

01.04.21 // Miscellany, Reading

From Indistractable: How to Control Your Attention and Choose Your Life:

I discovered that living the life we want requires not only doing the right things; it also requires we stop doing the wrong things that take us off track.

If distraction costs us time, then time management is pain management.

That’s a catchy line.

Being okay in your skin, being okay within your own mind is part of it. We reach for the phone because it’s easier.

There’s a lot of navel-gazing writing about how you should just stand in the grocery line and be mindful: to find space in that brief time to just be.

And that sounds so nice.

But…I also start a lot of drafts in those in-between moments. I haven’t conquered being alone with my thoughts, and maybe I never will. But at least I’ve practiced sublimating them into something I consider meaningful.

If you’ve ever chewed over something in your mind that you did, or that someone did to you, or over something that you don’t have but wanted, over and over again, seemingly unable to stop thinking about it, you’ve experienced what psychologists call rumination. This “passive comparison of one’s current situation with some unachieved standard” can manifest in self-critical thoughts such as, “Why can’t I handle things better?”

But there’s the rub.

I’m not sure it’s really possible to avoid the rumination and bad habit loops without dealing with that pain management directly. I see a lot of workaholics that are good at doing things but not so good at just being alive, and perhaps our work-focused, over-scheduled, and outcome/comparison-focused society is at least partially to blame.

Certainly, the resume-fluffing requirements we place on students for competitive colleges, graduate schools, and jobs like medical residencies are teaching those lessons early enough at young enough ages that we’re likely still susceptible to making them part of our personalities.

What I Read in 2020

12.31.20 // Reading

I said at the end of my 2019 reading list that I thought 2020 was “going to be a good year.”

Well.

I did, however, manage to read some books.

I also said last year that I’d discovered an absurdly dorky subgenre called LitRPG (basically fantasy novels crossed with role-playing games) and that I probably wouldn’t ever read any again other than the one series I stumbled on. Well, I lied. I read a lot of them, because full-throated absurdist escapism is what I needed this year (this is a no-judgment zone, thank you).

Since my son turned five and we started reading chapter books together, I’ve included a separate list of those at the bottom.

  1. The Boy, the Mole, the Fox, and the Horse by Charlie Mackesy (this was a mega-bestselling award-winning illustrated story-ish thing. I read it myself, and then I read it to my son. I enjoyed reading it to him more because it’s full of morals and nice thoughts and stuff and it has pretty pictures).
  2. Calypso by David Sedaris (who really does write excellent personal essays)
  3. The Minimalist Way by Erica Layne (meh)
  4. The Beginning After the End by TurtleMe (this reads like a YA shonen anime novelization but not necessarily in a bad way)
  5. The Calculating Stars by Mary Robinette Kowal (Lady Astronaut #1. Winner of the Hugo and Nebula awards. Excellent alternate history following the story of the first female astronaut in an Earth where an asteroid impact spurs humanity to ramp up space exploration in the 1950s)
  6. Starsight by Brandon Sanderson (Skyward #2)
  7. The Med School Survival Kit by Wendall Cole MD
  8. The Odyssey by Homer and Emily Wilson (this such a seamlessly modern-feeling translation. Kudos to Wilson).
  9. Dear Girls by Ali Wong (Ali Wong is very funny)
  10. New Heights by TurtleMe (The Beginning After the End #2)
  11. Becoming Fates by TurtleMe (The Beginning After the End #3)
  12. Horizon’s Edge by TurtleMe (The Beginning After the End #4)
  13. Why We Sleep by Matthew Walker
  14. The Last Emperox by John Scalzi (The Interdependency #3; this was a very enjoyable space opera trilogy)
  15. The Children of Hurin by J.R.R Tolkien (kinda)
  16. Seveneves by Neal Stephenson (the scope of this story is bonkers huge)
  17. Maybe You Should Talk to Someone by Lori Gottlieb
  18. Ascend Online by Luke Chmilenko (this is pure LitRPG, and the cover art is atrocious)
  19. Hell to Pay by Luke Chmilenko (Ascend Online #2)
  20. Legacy of the Fallen by Luke Chmilenko (Ascend Online #3)
  21. How to Defeat a Demon King in Ten Easy Steps by Andrew Rowe (adorable little novella, basically a subverted Zelda and Dragon Quest mashup/love letter. I found the subverted tropes amusing.)
  22. The Things You Can See Only When You Slow Down by Haemin Sunim
  23. Convergence by TurtleMe (The Beginning After the End #5)
  24. The Happiness Project by Gretchen Rubin
  25. The Land: Founding by Aleron Kong (A physician and author of a very (the most?) popular LitRPG saga, an Audible 2018 customer favorite; Chaos Seeds #1)
  26. The Land: Forging by Aleron Kong (Chaos Seeds #2)
  27. The Land: Alliances by Aleron Kong (Chaos Seeds #3)
  28. The Land: Catacombs by Aleron Kong (Chaos Seeds #4)
  29. The Land: Swarm by Aleron Kong (Chaos Seeds #5)
  30. The Land: Raiders by Aleron Kong (Chaos Seeds #6)
  31. The Land: Predators by Aleron Kong (Chaos Seeds #7)
  32. The Land: Monsters by Aleron Kong (Chaos Seeds #8; by this point in the series, we’ve gradually but now pretty firmly devolved into the grinding halt of the overall plot in favor of increasingly complex and tedious player statistics and points distribution. Literally nothing happened in this book.)
  33. Trigor by Tom Merritt (Pilot X #2; pretty enjoyable, though the first was better.)
  34. NPC by Jeremy Robinson (it’s no Space Force)
  35. White Fragility by Robin Diangelo
  36. Notes of a Crocodile by Qiu Miaojin
  37. The Art of Living by Thich Nhat Hanh
  38. How to be an Antiracist by Ibram X. Kendi
  39. Together by Vivek H. Murthy (he seems like a true aspirational model of a physician)
  40. Will Save the Galaxy for Food by Yahtzee Croshaw
  41. Transcendence by TurtleMe (The Beginning After the End #6)
  42. Doctor’s Orders by Tania M. Jenkins (reviewed here)
  43. The Plot Against America by Philip Roth (an alternate history where FDR loses the 1940 election to aviator Charles Lindbergh; currently an HBO series)
  44. WCI Bootcamp by James Dahle (more thorough and updated relative to his first book, which I still think he should go back and lightly revise).
  45. Bad Blood by John Carreyrou (the tale of the rise and fall of Theranos. What an absurd story and a stark illustration of the business world we live in. Discussed briefly here)
  46. Ham on Rye by Charles Bukowski
  47. Nobody Wants to Read Your Sh*t by Steven Pressfield (impressively concise, which is apt given the subject matter)
  48. The Psychology of Money by Morgan Housel (possibly the best non-technical book on money currently available)
  49. How to Fight a Hydra by Josh Kaufman (the extended metaphor gets a little tired if you ask me)
  50. How the Internet Happened by Brian McCullough (parts of this book felt like reading a history of my childhood)
  51. Reamde by Neal Stephenson (I read this after Fall, which is sort of a loose sequel, but it was almost more fun that way for some reason)
  52. The Circle by Dave Eggers (I never saw the movie with Tom Hanks and Emma Watson, but this is a chilling novel)
  53. Joy at Work by Marie Kondo and Scott Sonenshein (I really just had to know if being happy at work meant cleaning your desk and canceling all meetings that don’t spark joy)
  54. The Reluctant Adventures of Fletcher Connolly on the Interstellar Railroad Vol. 1: Skint Idjit by FR Savage
  55. The Reluctant Adventures of Fletcher Connolly on the Interstellar Railroad Vol. 2: Intergalactic Bogtrotter by FR Savage
  56. The Reluctant Adventures of Fletcher Connolly on the Interstellar Railroad Vol. 3: Banjaxed Ceili by FR Savage
  57. The Reluctant Adventures of Fletcher Connolly on the Interstellar Railroad Vol. 4: Supermassive Blackguard by FR Savage
  58. Is This Anything? by Jerry Seinfeld
  59. Girl, Wash Your Face by Rachel Hollis (I’m always curious about the #1 NYT bestselling things that get recommended to my wife)
  60. Girl, Stop Apologizing by Rachel Hollis
  61. Didn’t See That Coming by Rachel Hollis
  62. Divergence by TurtleMe (The Beginning After the End #7)
  63. Children of Ruin by Adrian Tchaikovsky (sequel to amazing and unique award-winning Children of Time)
  64. The War of Art by Steven Pressfield (this is one of those books referenced a lot, but I found his newer book [#40 above] to be much, much more enjoyable).
  65. Looking Within by Cullen Ruff
  66. Tiny Habits by BJ Fogg
  67. The Fated Sky by Mary Robinette Kowal (Lady Astronaut #2)
  68. Recursion by Blake Crouch (this is going be a Netflix movie, and I bet it’s going to end up really neat)
  69. Glory to the Brave by Luke Chmilenko (Ascend Online #4)
  70. 2001: A Space Odyssey (does this count as a classic?) by Arthur C. Clarke
  71. Ready Player Two by Ernest Cline (other than the devastating pandemic, this is a solid #2 for the most disappointing part of 2020)
  72. Rhythm of War by Brandon Sanderson (Stormlight Archive #4; I’ve enjoyed everything I’ve read from Sanderson, but I think his wild success has resulted in a book here that’s too long (1200+ pages! More than 500,000 words!), had too much filler, and fell back on some really irritating tired character tropes. A firmer editorial hand would have done so much for this, and I’m not sure any other fantasy author writing today other than Martin would have gotten away with it. I will still absolutely read the fifth and final book in the series, which from the publisher’s perspective is probably all that matters.)

 

What I read to my son:

  1. The Fantastic Mr. Fox by Roald Dahl (We actually bought this big Roald Dahl box set and made some good progress through it. I’d forgotten just how weird Dahl’s books were).
  2. The Chocolate Touch by Patrick Skene Catling
  3. The Magic Treehouse #1-15 (these are pretty short, he’s a big fan, and we just got 16-29 in the mail).
  4. Cat Wings by Ursula K. Le Guin (a four-part series for young children by one of my very favorite authors)
  5. Cat Wings Return by Ursula K. Le Guin
  6. Wonderful Alexander and the Catwings by Ursula K. Le Guin
  7. Jane on Her Own by Ursula K. Le Guin (Catwings #4)
  8. Jedi Academy by Jeffrey Brown (This series is actually three trilogies, though for some reason the current box set is only books 1-7. These are absolutely delightful, especially the first series by Brown, which was genuinely clever and so much more pleasurable to read as an adult than most children’s books)
  9. Jedi Academy: Return of the Padawan by Jeffrey Brown
  10. Jedi Academy: The Phantom Bully by Jeffrey Brown
  11. Jedi Academy: A New Class by Jarrett J. Krosoczka
  12. Jedi Academy: The Forces Oversleeps by Jarrett J. Krosoczka
  13. Jedi Academy: The Principal Strikes Back by Jarrett J. Krosoczka
  14. Jedi Academy: Revenge of the Sis by Jarrett J. Krosoczka
  15. Jedi Academy: Attack of the Furball by Jarrett J. Krosoczka
  16. Jedi Academy: At Last, Jedi by Jarrett J. Krosoczka
  17. Esio Trot by Roald Dahl
  18. The BFG by Roald Dahl
  19. The Magic Finger by Roald Dahl
  20. The Giraffe And The Pelly And Me by Roald Dahl
  21. George’s Marvellous Medicine by Roald Dahl
  22. The Twits by Roald Dahl
  23. Billy And The Minpins by Roald Dahl
  24. Danny the Champion of the World by Roald Dahl
  25. James and the Giant Peach by Roald Dahl
  26. Charlie and the Chocolate Factory by Roald Dahl
  27. Charlie and the Great Glass Elevator by Roald Dahl
  28. Rowley Jefferson’s Awesome Friendly Adventure by Jeff Kinney (author of the Diary of A Wimpy Kid books)

The AAMC on Interview Hoarding

12.23.20 // Medicine

The AAMC recently released an open letter sounding the alarm bells on how the residency interview season is shaping up this year:

We are seeing students in the highest tier receiving a larger number of interviews per person than in past years, leaving other students – including those in the middle of the class – with fewer interviews than we would anticipate based on their qualifications.

Interestingly, interview software purveyor Thalamus is arguing that this year is like last year. Who is right? I don’t know. Perhaps the AAMC’s data tells a different story. Or maybe they’re crying wolf. They do have a vested interest in programs filling and people matching at high rates to stave off growing criticism of their growing ERAS revenues.

But #ApplicationFever has been very beneficial for one group:
the Association of American Medical Colleges (AAMC), corporate sponsor of ERAS.

Note how ERAS revenue has increased almost three-fold since 2008. pic.twitter.com/RszTxhUWXd

— Bryan Carmody (@jbcarmody) March 3, 2020

They go with this advice to schools:

Discuss any additional steps that students with fewer interview offers than anticipated might take at this point to maximize their likelihood of matching (for example, applying to preliminary positions for which applications are still being accepted).

This could also read: we recommend people give us more money by applying to more programs.

Also, this is terrible advice. There’s a good chance there will be more spots in the SOAP than usual this year. If you’re a typical applicant who would expect to match in years past but are suffering from a dearth of interviews, why would you pass up the chance for a categorical spot in the SOAP for a prelim position that goes nowhere? The kinds of prelims that are accepting new applications in December are probably the kinds of spots that aren’t selling like hotcakes pre-SOAP anyway.

And they offered the following advice for students:

Consider releasing some interviews if you are holding more than needed, allowing your fellow students access to these interview opportunities. If you have fewer interview offers than anticipated, discuss with your student affairs officer or advisor any additional steps you might take at this point to maximize your likelihood of matching (for example, applying to preliminary positions for which applications are still being accepted).

People have largely been going on too many interviews (for years). While some fields have a preponderance of tiny programs, nearly 80% of successful applicants will end up with one of their top 4 and rarely go beyond 7-8.

However, it’s ludicrous to put this back in the students’ hands and argue that they should go against their own interests. Overapplication and—to some extent—interview hoarding are rational choices made to maximize the odds of a successful match. We shouldn’t blame students for playing a poorly designed game as best they can.

The AAMC has the most power to improve this process

This year should serve as a wake-up call because it’s not the n=1 powerless students that have the agency here. It’s the AAMC. The combination of pass/fail Step 1 and increasing graduating medical student numbers was already threatening to send the residency selection process into an application fever death-spiral before the pandemic, and they’re still coming for us.

Though, sure, look at Charting Outcomes and your interview plans. If you’ve been on a bunch of interviews and you have some programs lined up that you aren’t genuinely interested in, you could potentially change a peer’s career by giving up a slot in addition to avoiding another day on Zoom.

But the real take-home point is this:

The AAMC, through its highly-profitable administration of ERAS, is ultimately the entity responsible for the “maldistribution of residency interview invitations.”

The rest of us are just doing the best we can.

Blaming the Algorithm

12.22.20 // Medicine

From a WaPo article discussing protests at Stanford about a vaccine distribution plan that favored remote-working employees over trainees:

The “residents” — medical school graduates who staff the hospital for several years as they learn specialties such as emergency medicine, internal medicine and family medicine — were furious when it became clear that just seven of the more than 1,300 at the medical center were in the first round for vaccinations. Also affected were “fellows,” who work in the hospital as they train further in sub-specialties, nurses and other staff.
An email to pediatrics residents and fellows obtained by The Washington Post said that “the Stanford vaccine algorithm failed to prioritize house staff,” as the early year doctors are known collectively.

Of course “Medical school graduates” should read doctors or physicians.

Stanford blaming the algorithm in its medical version of Silicon Valley doublespeak is such a hand-wavy 2020 way of passing the buck. An algorithm is just a set of rules for carrying out a task.

The algorithm in this case isn’t some artificial intelligence black box. It represents value judgments made by fallible humans. In this case, the folks in charge forgot that it should be a person’s function in the system more than their benefits package that should determine how quickly they receive a vaccine that may not only protect them but hopefully prevent the spread of a potentially deadly disease to patients.

Those in the front line should be at the front of the line (unless we were to otherwise reasonably implement the age-based vaccination program used in many countries). Within a hospital system stratified by job roles, it’s the environmental and food services staff, nurses, CNAs, techs, transport, and all providers directly facing patients who should get it when supplies are constrained.

The idea that leadership could forget a huge class of people working in the hospital because those people aren’t considered normal employees is just another example of trainees being treated as faceless cog-like cheap labor. It’s an unfairness baked into our training system where the only pathway to independent practice as a physician is to be treated as a second-class citizen, which implicitly supports these sorts of slights.

So, when you make a mistake so blatant that you aren’t sure how to respond, don’t blame the algorithm. Blame yourself.

The Basis for No

12.21.20 // Miscellany

In Essentialism, Greg McKeown writes:

Many capable people are kept from getting to the next level of contribution because they can’t let go of the belief that everything is important.

We’re in the middle of residency interview season, but for many students, the CV-padding season started in high school and never ended. We have a “meritocratic” system where people are rewarded for doing things and accumulating line-items.

I’ve had a lot of meaningful hobbies in my life, but most of the things I’ve done for other people were useless for my development and for the world. While you have to do enough to figure out what you like and what you could become good at, we could all move the needle more by saying no to more “opportunities” (if only getting to the next stage of the process didn’t require so much box-checking).

Time is finite, so every “yes” for something you don’t care about is a “no” to the things you do.

And that applies to the types of productive procrastination we often employ (like me writing this brief post instead of doing the harder work of finishing the draft of my next book). The discipline to focus on the impactful and meaningful 20% from the 80/20 rule is hard.

Charity Tax Deductions and the CARES Act

12.17.20 // Finance

Another quick PSA:

The Trump tax cuts raised the standard deduction, which has meant that a lot fewer people are itemizing deductions. For example, the kind of house a resident can afford is the kind of house that doesn’t generate enough of a deduction to make itemizing worth it these days.

And if you don’t itemize, things like charitable donations aren’t deductible. Still worth doing, of course, but not meaningfully supported by the government.

Except for this year, because the CARES Act allows for a $300 “above the line” deduction for charitable donations, meaning that a) everyone can utilize it even if they don’t itemize, and b) the deduction also lowers adjustable gross income (AGI), which is what’s used as the basis for income-driven repayment (among other things).

So if you were on the fence about donating to any causes before the year is out, the government supports your giving a little more than usual.

Some Practical Thoughts on the Virtual Interview Season

12.16.20 // Medicine

I’ve done enough Zoom nonsense since March that I thought I’d put down a few thoughts on optimizing your setup during the remaining interview season.

This situation is garbage, and while I’m thrilled that this year’s students won’t have to shoulder the typical fourth-year travel costs, I don’t envy anyone’s decision-making process. Programs can feel more alike than different even when you see them in person, walk the halls, have dinner and lunch and a conference, and talk to tons of people. A breakout session during an informational conference call just isn’t the same.

Let’s start with saying I don’t think anyone would or should consciously judge anyone for their Zoom set up or how they appear on camera. That said, the data on ERAS application photo bias concerns me. How “professional” you look, even outside the usual appropriate dress and grooming that would be true in person, may indeed have an impact.

I personally don’t care if you’re in your closet or at school, if there’s a baby crying (or even a baby in your arms), or if there’s construction just outside. Some landscapers were really going at my neighbor’s yard with the leafblower just this morning. We’re all doing the best we can. Thank you for logging in and making the best of the crazy times we live in.

The vast majority of students I talk to are using their laptop’s crappy webcam (because for some reason all webcams are garbage even though new phones can record 4K video) and sitting in front of blank drywall. So if that’s your jam, I promise that you are in good company.

Without further ado, a few optimizations:

Position & Camera

Raise up your camera. If you set your laptop on your desk or a table, chances are you’re looking down at the screen, which means that the default angle is an upshot of your nostrils or hunting for a double-chin. But more important than the potentially unflattering position is the fact that it’s an unnatural angle for conversation. Unless you’re very tall, you’re probably not used to looking down at people to speak. So get a couple of thick textbooks to prop up your laptop until the camera is at eye level.

If you’re using a separate camera source—like using your phone as a magical webcam with an app like EpocCam or plugging in a fancy camera via an expensive or cheap HDMI capture dongle—try to have it near your screen so that your eyes aren’t constantly looking way down. Lack of eye contact is sad.

Lighting

If you can be in a room with a large enough window to provide decent natural light, that’s a plus (as long as it’s in front of you or to the side, not behind).

If not, try to get some kind of light source, even a table lamp, in front of you. Strictly overhead lighting casts shadows on your face, which isn’t ideal but can be especially problematic on older computers by triggering over-eager automatic brightness correction when you move your head around. For me, the constant brightness shifts on my webcam depending on the proximity of my face to the sensor was the reason why I stopped using my 2013 laptop for Zoom (and started using my phone, which is new).

So try to get some light. I’ve been using a cheap ring light stand I got on Amazon and it solves the problem of low light in my room of choice but anything that can function as a key light will help. If you wear glasses, try to have the light source elevated or off to the side enough that it’s not reflecting.

Background

It seems like most people have determined that the best quiet spot in their abode for interviews places them in front of empty drywall. If that applies to you, again, you are not alone. Just be aware that if it is possible to artfully arrange something in the background, perhaps some greenery or a print or even some dim accent lighting might be nice. Note that if your artwork has a glass frame that any extra lighting should be arranged to the side enough not to reflect in the shot. And, of course, a blank wall is better than a mess. Virtual backgrounds are fine when necessary.

Attitude

I almost feel like virtual interviews are to the normal residency interview process what Step 2 CS is to actual patient care. Everything blurs together more because it feels less real.

I am conducting my interviews from home, so we don’t even have the pretense of meeting in my (shared and barely used) office at the hospital.

The interview season has always been tiring, but I think in some ways it may be even easier to let enthusiasm flag this year. The lack of travel and relative brevity of a typical virtual interview day means that some applicants are able to hoard interviews and “visit” programs they otherwise would have been forced to cancel in prior years. Logistics make it easier to waste your and the program’s time.

So, if you are interested, make sure you look interested.

Likewise, I suspect some programs may be showing even more of a regional bias than usual given the unpredictable nature of this year’s process (others may just be over-interviewing for safety). If your top programs haven’t invited you for an interview and your application doesn’t click in an obvious way, it’s not too late to let them know why you love them.

1980 or 2020?

12.14.20 // Miscellany

There is a cult of ignorance in the United States, and there has always been. The strain of anti-intellectualism has been a constant thread winding its way through our political and cultural life, nurtured by the false notion that democracy means that “my ignorance is just as good as your knowledge.”

—Isaac Asimov, in his 1980 essay, “A Cult of Ignorance.”

Unisex Disability Insurance Rates Are Basically Gone at the End of 2020

12.09.20 // Finance

I’ve been meaning to write about this for a while, but just wanted to put out quick post for those of you who should have already purchased disability insurance but haven’t gotten a policy yet.

Women pay more than men for disability insurance across the board (while men pay more for life insurance). One of the ways many female physicians have been able to avoid paying the tax of higher premiums is by purchasing a “unisex” policy. Recently, that’s been available with only one of the big six insurance companies, Principal. The unisex rate is typically significantly lower than a female-gendered rate, which is the reason why my wife bought a Principal policy several years ago.

Principal is getting rid of their unisex offering on December 31, 2020. If you’re a female attending or a female trainee in your final year of training with a signed employment contract, then you may qualify for a unisex policy. This is the time you want to at least talk to an insurance agent, price out some options, and make sure you don’t lose out on a much cheaper policy.

My internet friends the folks at Pattern are one option to rapidly give you your choices. (You have to buy a policy from an agent, but all agents are paid by the insurance company; policy quotes and information are always free to you). It’s always a good idea to talk to a couple of different agents to make sure you’re getting the best possible rates.

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