If you are a young physician these can be hectic yet exhilarating times. You are in the early stages of the career you have always wanted to pursue. And you are establishing a foundation for a future which holds great promise and reward.

So right now the last thing you may want to think about is what might put that future at risk. But maybe it should actually be the first.

As a highly-compensated specialist, you have invested heavily in your future. We know you have worked diligently for years at your education, residency and fellowship; and made a significant investment of your personal finances to get where you are today. We applaud you for your sacrifices, determination and dedication! You have achieved your goals, and now earn a higher income than many of your colleagues.

If you are about to turn 65, we congratulate you! Your 65th birthday isn’t just a personal milestone, it is the time you can finally begin drawing the Medicare benefits which you have paid into all your working life.