I will be a ty intern in 2020 and start pgy2 in 2021. I want to get disability during residency as I understand this allows lower rates given a younger age. I am considering getting a plan beginning of intern year, beginning of residency, or end of residency. I can't think of many instances when an own-occupation plan for a dermatologist will kick in.I want to hear what other people have done. I am glad to learn from you all about the optimal timing for this plan. Thank you for your time.
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