In episode two of our second season: Disability Stories, Brian Travers tells the story of being born with osteogenesis imperfecta, otherwise known as brittle bone disease. His condition led to many trips to an orthopedic surgeon who inspired Brian to become a physician.

Brian worked hard and graduated from medical school but became disabled during his residency. After suffering through severe economic hardship, Brian became a disability insurance broker to prevent what happened to him from happening to anyone else.

Brian is well known for creating the "window mask." The window mask helps those with hearing impairments read lips, customer service workers provide friendlier service, and teachers connect with their students.

You can learn more about Brian's businesses at these links:

https://www.bluescleradi.com/
https://anchorhandmadedesigns.com/

Some Highlights From the Transcript:

• Brian discusses his "aha" moment about the importance of disability insurance. (02:34)
• The story behind Brian's well-known logo for Blue Sclera, his disability insurance business. (11:17)
• Brian's default of his student loans led to losing his car and his home. (12:53)
• Disability Insurance can reduce the hardships that come from being disabled while struggling to pay back student loans. (14:12)
• "You need disability insurance, I didn't know what it was, this is what happened to me." (15:11)
• Bad credit due to defaulting on student loans can take away the ability to find a job. (18:08)
• In addition to the difficulty of finding a job with bad credit, finding a house with bad credit is another stumbling block. (19:35)
• Certain disabilities can hold someone back from completing their residency. (24:00)
• Planning for the future is important and necessary. (27:40)
• Group coverage can be changed or canceled at any time. (29:08)
• Medical underwriting for life insurance is different than disability insurance. (34:12)
• Brian was covered by his disability insurance during his second disability. (35:53)
• His group policy dwindled down to nothing, but his individual policy saved him. (37:03)