Dr. Yerington focuses on disability insurance

Welcome Dr. Yerington to “I’ve got skin in the game” podcast.  This is the second half of Dr. Yerington’s podcast. Dr. Yerington was a practicing anesthesiologist when a career ending disability occurred.  

Dr. Yerington spends time discussing the disability insurance maze that he hopes no one else has to endure.  He also will help you determine if a policy is a good policy for you. We discuss the differences between individual and group policies and what you need to know.

Dr. Yerington has five criteria for a good disability policy:  

1.  Use post tax dollars to pay for the policy

2.  Own occupation is a necessity  

3.  Guaranteed renewable or a noncancellable policy  

4. Have the option to increase in the future  

5.  Know your policy riders

There are certain life events that will cause you to reevaluate your disability insurance.  Here are common times to look at disability insurance: Entering medical school, prior to first pregnancy if you are a woman, prior to residency, at the end of residency, any time you change jobs and/or states of employment.  In your individual policy parameters should not change from year to year. Your group policy parameters will change from year to year.

In regards to life insurance, prior to becoming financially independant, Dr. Yerington recommends having life insurance for 20 times your annual gross income.   Do you have a spouse that does not work? They also need to have great life insurance. Be a habitual saver – find out how this helped Dr. Yerington stay in his own home during the ups and downs of his early journey through disability.

His goal in life is to help physicians protect their most important assets so when they go to work, they know their home and family are taken care of – and they can concentrate on giving their best to patients and society without burning out.

You can contact Dr. Yerington these ways:

Dr. Christopher Yerington:  https://www.linkedin.com/in/chrisyerington/

Website:  https://physiciansincomeprotection.com/

Dr Yerington joins us and gives us a prescription for living with a disability

Meet Dr. Christopher Yerington. Dr. Yerington shares with us his personal journey through disability and the cost to him – both financially and personally.  This first episode describes his personal journey through understanding, accepting, and helping others understand the definition of disability.   He has coped with a sudden change in the purpose of his life.  The journey Dr. Yerington shares is raw, honest, dark and scary.

He would love for anyone enduring a disability to be prepared ahead of time so if this event ever visits you, you are protected.  You should understand your disability policies so you can live your life free from financial worry.

Dr. Yerington is a trained anesthesiologist.  When he worked in with patients enduring chronic pain he began with  this prescription for pain management.

This is a prescription he used to write for patients who had gone through 7 or 8 providers before being in the OSU Pain Clinic:
Eat right – mostly vegetables and good variety, some fruits, no meat, no dairy, little to no oil or salt, use spices instead, no alcohol, no smoking or illicit drugs and then add long grain rices and beans to make up calorie counts for height. Drink only water.
Sleep right – 7.5–8.5 hours. Have a consistent bedtime routine, no electronic screens 40–60 minutes before sleep time. Wake up at the same time every day.
Exercise right – Walk every other day 25–35 minutes. Swimming is a great alternative. Be smart about physical activity but do it consistently.
Perform 6 out 7 days for 12 weeks

I believe it is also a good prescription for living.

You can connect with Dr. Yerington through LinkedIn or his website to learn more.

Dr. Christopher Yerington – Physician Disability Advisor & Advocate – Physicians Income Protection LLC | LinkedIn

View Dr. Christopher Yerington’s profile on LinkedIn, the world’s largest professional community. Dr. Christopher has 14 jobs listed on their profile. See the complete profile on LinkedIn and discover Dr. Christopher’s connections and jobs at similar companies.

Website: https://physiciansincomeprotection.com/

Janice Shafran Roth – Living Life and Giving it Your All

Welcome, Janice Roth.  She carries the diagnosis of ovarian cancer as well.  She was diagnosed at Stage 4 and her niece gave her good advice.  Here she is, seven years and many rounds of chemotherapy later, talking about her journey.  She has been able to see her daughter grow a successful business, Rowe Boutique.  She has seen her daughter get married and is a loving grandmother.  On top of this, she has carried on her husbands legacy of being a warm and gentle man.  Here is a link to the Jack Roth fund.  Follow along and see the amazing work this fund does.

You may wonder who my heroes are – Janice Roth is one of them!

Jason Carpenter – Living Life, Being a CEO, Gratitude, and Two Cancers

Welcome Jason Carpenter.  He has an inspiring story of facing cancer, not once, but twice.  He shares his inspiring message of continuing his journey as a CEO and working out life priorities – having been given the opportunity twice to consider how he wants to spend his time.

Heather Ceron and Cleo Gwaltney – a legacy of love

Welcome Heather Ceron as we discuss the legacy of Cleo Gwaltney – grandmother, aunt, inspiration.  Cleo could make you feel like the most important person in her world.  Discover her secret and live a life of love!

2nd episode – Jennifer Carroll

Jennifer continues to spread her legacy of live large and live long.  Enjoy listening to the transition of living her legacy following Phil’s passing.

And read her book and pass it on- both the book and the podcast.  So much to  learn from her and her family’s journey!  Phil would be so proud of them.

Here is her website to learn more:  http://jenniferlcarroll.com/

Here is her book – available for purchase on amazon and audible – and other sources as well.  http://jenniferlcarroll.com/books/

If live large, live long and Beyond Invincible resonate with you – connect with Jennifer.  She can chat with you – or speak to your group about this message.  It certainly comes from the heart!  Thank you Jennifer for sharing your story with “I’ve got skin in the game”  – you certainly do!


Welcome Jennifer Carroll truly Beyond Invincible!

Welcome Jennifer Carroll.   As a journalist, she is a fantastic storyteller and she has many stories to tell! This is part one of a two part podcast.   I met Jennifer in Geneva shortly after her husband passed away from  prostate cancer.  We had the common thread of approaching cancer with positive mindset and actions.  Her sharing of the journey with her family on YouTube in a series called Following Phil was inspirational to me and I have deep gratitude that she and her family shared their journey so others could observe, learn, and appreciate what the family and Phil were experiencing.  Since then Jennifer has written books, encouraged proactive health care testing for men, traveled the world with friends and family, and continued on her quest to honor the beyond invincible legacy she created with her husband Phil.  Learn how habits developed in life, such as be positive, the chuck-it-bucket and the one thing helped sustain her as she lived a normal family life, into the world of cancer and illness and through the valley of grief and healing.  Jennifer’s new book Beyond Invincible is on kindle and hard copies available in mid October.  This link will take you to ordering her book.  Here is Jennifer’s website where you can find all of her messages and the multiple ways to communicate with her via social media and email.

Here is a poem Jennifer shared with me that she wrote shortly after Phil’s death.  I appreciate Jennifer’s strength in sharing her journey and the honesty of this poem.

Alone and Afraid

by Jennifer  Carroll


My life was not my own

Together we were one

I was caught in your orbit

Revolving around you

Craving your sun


It was my safe place

My sanctuary

My trench in the war

Beside the one I love

…The man I adore


Now you’re gone and…

I’m alone and afraid in a world I’ve not made

Trying to find a new sun

New purpose… new passion…new beginning

And then…

I will find my fix

And rediscover Jenn again!


Never did I dream, at this stage of life

We would be apart

I must keep searching to find the rainbows after the rain

And healing the hurt in my heart


Grief is like a shipwreck

Struggling for breath as the storm tears apart the world you know

Waves cashing down pulling you into the darkness below

You hold on tight to the wreckage

With a firm grip on never letting go


In time, the waves come farther apart

Not as bold, not as strong, not as fast

You can see them building from afar

You can prepare for their attack

Still desperately hanging onto the broken pieces of your past


Then they pass…and there is calm in the storm

You find yourself drifting, surviving, dreaming once again

Of the sun and the life that was

Not now…but back then.


I find strength in the memory of you holding my hand

Dancing and laughing and walking in the sand

Watching the hummingbirds

Marveling at their glory

Now, they’ve come to symbolize our story

They float free of time

Represent love and hope


I never want to truly let you go

Like a scar left behind from the shipwreck

A reminder to keep sailing

With all hands on deck


I will keep breathing, moving on and searching for the sun

There’s a flicker of light in my future

With one life over…a new one has begun.

I will always love you and miss you on this new journey of life

For the greatest blessing God gave me was you!

I loved being your lover, your friend, and your wife!

Jennifer has again inspired me.  As I approach the end of my treatment in early October, I can begin to imagine the multiple small steps back to wellness.  I look forward to posts from October forward talking about regaining physical strength and feeling back to myself.  Kind of reminds me of pregnancy – it takes nine months to have a baby – and takes time to recover.  I look forward to the recovery.

Being the oldest child – listen to Evelyn’s perspective on helping.

Evelyn, as a teenager, and the oldest sibling, has a perspective of caretaking of her siblings and those around her that is unique to both her age at my original diagnosis (11)  and her birth order.  Now at 25 and living far away,  she remembers the onion analogy and how helping sometimes is asking questions and listening.

Taking care of yourself first – when you are used to taking care of others

Listen to a discussion with my friend and psychiatrist, Dr Julie Guthrie, about learning to put yourself first. Physicians with their background of being altruistic can get hung up on taking care of others. This is true for many other people as well. Listen as Dr. Guthrie and I discuss how to recognize when you need to put yourself first and how this can be of benefit to all of those around you.

Update at the half way line and Pelotonia

One goal – end cancer!  Well it’s Pelotonia week and I can say – last year was a blast and wishing all the riders this year the best.  I will be back next year.  I am a virtual rider this year if you care to donate to my ride: www.pelotonia.org/GratefulForEveryDay

My podcast this week talks about my own journey with chemotherapy, being allergic to chemo, port placement and other items I needed some education on this time around.  The physician, nurses, and pharmacists who take care of you  are also there to answer your questions.  Feel empowered to ASK!  Enjoy the podcast.  I am past the half way line – just have heartbreak hill to get up!  (Pelotonia riders into Gambier know what I mean!)