Medigram, the Wisconsin Medical Society’s electronic newsletter for physicians, features timely news, upcoming events, answers to frequently asked questions and the information you need to make your practice run more efficiently. Topics include legislative updates, legal information, practice management information, government regulations, and much more. Medigram is delivered via email on Thursdays.

If you have a Medigram story idea or would like to offer feedback, please email us or call 866.442.3800.

Foundation Fellowship Looks to Increase Clinician Education on Caring for Sexual Violence Survivors
Prior to attending MCW-Milwaukee, Aylinh Eng joined a University of Massachusetts psychology lab as an undergraduate researcher. Her first research project collected demography of sexual abuse survivors, studying impact statements to find themes of agency, communion, abuse, and trauma resolutions as part of qualitative study.

Social Security Timing – When Starting Early is Better
As retirement approaches, deciding when to turn on Social Security income becomes one of the most critical structural choices you will make.

What Drives Your Care? We Want to Feature Your Story!
The Wisconsin Medical Society is participating in Your Care is at Our Core, a nationwide campaign led by the AMA to elevate the message of what drives physicians: trust, empathy, compassion, and time caring and fighting for their patients—emphasizing that their personal relationship to their patients is a priority and a commitment to their care.

Medical Training in Disaster Zones
Global Response Medicine, is a nonprofit that provides advanced medical training and clinical support in conflict and disaster zones around the world.

Wisconsin Medical Society Joint Providership Program: Accrediting Individual CME Activities with Ease
Continuing medical education keeps clinician knowledge current, improves patient care, and satisfies licensure requirements — but navigating accreditation can be time-consuming for organizations that produce occasional or single educational activities. The Wisconsin Medical Society’s (WisMed) Joint Providership Program streamlines that process by allowing organizations to partner with WisMed to accredit individual activities for CME.

Foundation Fellowship Looks to Increase Clinician Education on Caring for Sexual Violence Survivors

Prior to attending MCW-Milwaukee, Aylinh Eng joined a University of Massachusetts psychology lab as an undergraduate researcher. Her first research project collected demography of sexual abuse survivors, studying impact statements to find themes of agency, communion, abuse, and trauma resolutions as part of a qualitative study. Uncovering the depth of trauma that survivors and their families carried, especially in the context of health care settings, inspired Eng to take action in her community. She started volunteering as a hotline crisis counselor and medical advocate at a local rape crisis center, and currently co-leads health advocacy efforts in pregnancy and infancy at a women’s shelter in Milwaukee.

When Eng applied for a Wisconsin Medical Society Foundation (Foundation) Fellowship, she wanted to gain experience in clinical education and continue researching to further develop the skills of an evidence-based physician who provides quality patient care. Eng continues to advocate for sexual violence survivors and inspires others to act. Working alongside physician mentors Rachel Segal, MD, MPH, FAAP, and Angela Rabbit, DO, on the project titled 'Caring for Sexual Violence Survivors as Clinicians', Eng set out to create an interactive learning module designed to equip future physicians with the skills to respond to sexual violence.

Limited data available through the Association of American Medical Colleges showing sexual violence education in curriculums across medical schools and residency programs is indicative of why this work is so important. This project included a comprehensive literature review, research into existing programs and laws related to sexual violence in Wisconsin, and conducting a needs assessment.

Eng interviewed advocates and professionals from a variety of organizations and stakeholders in the field of sexual violence support and advocacy in Wisconsin to assess themes of survivor needs. The top three common themes included addressing medical concerns (STIs, pregnancy, HIV PEP), receiving trauma-informed care, and reducing systemic, cultural, and practical barriers to care. Many survivors don’t complete treatment due to cost, barriers to access, or lack of education about the services. Patient autonomy and trauma-informed care were also stressed as determinants to quality of care and establishing patient-clinician trust.

The project resulted in the development of learning modules intended for medical students and health care professionals with a focus on culturally-competent trauma-informed care, guided by the needs assessment findings. Learners complete a pre- and post-module survey, and cover topics ranging from care frameworks, how to make appropriate referrals, resources available in Wisconsin, and more. The modules encourage clinicians to adopt shared decision-making with patients and individualized care practices to reduce burden of treatment.

Eng reflected, “I am now aware of many more organizations in Wisconsin working to support survivors of sexual violence and the specific services that they each provide. I also received constructive feedback from my physician mentors through my work. Sexual assault advocacy has always been something I’m passionate about and I’m grateful to be able to create a module about it and hope to share it with other students once it is finalized.”

The Foundation is proud to offer fellowship opportunities to Wisconsin medical students. Fellowships offer students the opportunity to work under the guidance of a Wisconsin physician on a health education or research project to advance the health of the people of Wisconsin, providing Wisconsin medical students hands-on experiences working in communities or with specific patient populations to address a health concern, integrating their knowledge of resources available. Supporting fellowships such as Eng’s not only benefits the students, but Wisconsin patients and their families.

Wisconsin Medical Society Foundation

Please consider supporting important medical research of Wisconsin physicians and students through the Wisconsin Medical Society Foundation Fellowship Fund. For more information about this, or any Foundation program, please contact Program Director Yoshie Wingate.

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ProAssurance Rapid Risk Review Podcast

Social Security Timing – When Starting Early is Better

stopwatch to retirement

As retirement approaches, deciding when to turn on Social Security income becomes one of the most critical structural choices you will make. The conventional wisdom suggests waiting to age 70 to maximize the monthly income, but that means you will be spending your net worth while waiting for your first check from the government.

Is it better to spend your net worth early or start Social Security early? Here is how the math shakes out when you pit an early claiming strategy against delaying until age 70.

Strategy 1: Claiming Early to Preserve Private Capital

The core argument for claiming early—whether at age 62 or at your full retirement age (FRA) (typically 67)—revolves around opportunity cost and portfolio protection.

If you retire at age 62 but delay Social Security until 70, you must fund your lifestyle exclusively from your investments for eight years. Drawing heavily from your portfolio during the early years of retirement can stunt the growth of your portfolio's long-term compounding power.

By claiming Social Security early, you lower your portfolio's required withdrawal rate.

  • The Compounding Effect: The capital you leave untouched in your retirement accounts remains fully invested, potentially compounding at market rates.
  • The Legacy Play: If your primary goal is maximizing the financial legacy left to heirs or others, recent Vanguard research suggests that for affluent individuals with zero risk of running out of money, claiming early can preserve more private capital for long-term estate transfers.

Strategy 2: Delaying to 70 as Longevity Insurance

The math behind waiting until age 70 is difficult for any private investment portfolio to beat on a risk-adjusted basis. Deferring your benefit from age 67 to 70 yields a 24% permanent increase in your monthly income benefit, on top of annual Cost-of-Living Adjustments (COLA).

For a physician, delaying to 70 should be viewed as buying longevity insurance:

  • An Unmatched Real Return: Finding a guaranteed, inflation-protected 8% simple annual return in the public markets is impossible.
  • The Survivor Benefit Backstop: For married physicians where one spouse has significantly higher lifetime earnings, delaying until age 70 maximizes the eventual survivor benefit. If you pass away first, your surviving spouse steps into 100% of your maxed-out benefit, protecting them from late-life financial erosion.
  • Tax Bracket Management: Deferring Social Security opens up a critical "tax planning window" between retirement and your mid 70’s when Required Minimum Distributions kick in. This low-income window is prime time for executing highly efficient Roth conversions.

The Verdict: How to Choose

If your family history points to extreme longevity, or if you want to shield your retirement plan from market volatility, delaying to age 70 provides an ironclad, inflation-indexed income floor that protects your remaining portfolio late in life.

Conversely, if your primary goal is to minimize portfolio drawdowns in your 60s, maintain maximum liquidity, or optimize legacy assets for the next generation, claiming earlier and letting your investments compound can be a viable path forward.

WisMed Financial

Mark Ziety

 

For personalized help with your financial plan, please contact Mark Ziety, CFP®, AIF® 608.442.3750.

Note: This article is for informational purposes only and should not be considered as financial or tax advice. Please consult with a qualified financial advisor or tax professional before making any financial decisions.

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What Drives Your Care? We Want to Feature Your Story!

The Wisconsin Medical Society is participating in Your Care is at Our Core, a nationwide campaign led by the AMA to elevate the message of what drives physicians: trust, empathy, compassion, and time caring and fighting for their patients—emphasizing that their personal relationship to their patients is a priority and a commitment to their care.

What part of practicing medicine brings you the most joy?

How do your patients shape who you are as a physician?

What does trust from a patient feel like?

What does “care” mean to you?

Share your story here and be sure you're following the Wisconsin Medical Society on social media (Facebook, Instagram, LinkedIn, X).

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Disability Insurance: Now is a great time to make sure you have sufficient income replacement coverage!We are here for you. WisMed Assure

Medical Training in Disaster Zones

Global Response Medicine

Global Response Medicine (GRM) is a nonprofit that provides advanced medical training and clinical support in conflict and disaster zones around the world. GRM's team trained frontline Ukrainian surgical teams through an intensive combat medicine program.

In March 2026, Global Response Medicine deployed to Ukraine to lead the second iteration of STORM-2 — a combat medicine program training frontline surgical teams to operate in the realities of modern war. Developed alongside Ukrainian military medical leadership, the course focused on building a sustainable train-the-trainer model for Role 2 frontline care.

Become a Force Multiplier is a campaign to build the storytelling resources needed to sustain future humanitarian missions. Learn more about GRM here and become a force multiplier.

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Wisconsin Medical Society Joint Providership Program: Accrediting Individual CME Activities with Ease

Continuing medical education keeps clinician knowledge current, improves patient care, and satisfies licensure requirements — but navigating accreditation can be time-consuming for organizations that produce occasional or single educational activities. The Wisconsin Medical Society’s (WisMed) Joint Providership Program streamlines that process by allowing organizations to partner with WisMed to accredit individual activities for CME. The result: trustworthy, AMA-recognized credit that’s easier to offer, with the educational quality and compliance support of an established accredited provider.

What the Joint Providership Program Does

Joint providership lets an organization (a hospital department, specialty society, nonprofit, clinic, or other educational sponsor) team up with the Wisconsin Medical Society so a single activity — a lecture, a workshop, an online module, or a small conference — can be issued AMA PRA Category 1 Credit™ under WisMed’s accreditation. Rather than becoming a fully accredited provider themselves, partners leverage WisMed’s existing infrastructure, policies, and reporting systems for individual, clearly defined educational activities.

Why Organizations Choose Joint Providership

  • Lower administrative burden: Skip the time and expense of applying for separate provider accreditation while still offering accredited CME.
  • Regulatory peace of mind: WisMed provides guidance on ACCME standards, disclosure and commercial support compliance, and documentation requirements.
  • Credibility and recognition: Activities accredited through a respected state medical society carry established value for clinician learners and credentialing bodies.
  • Flexible for single events: Ideal for organizations that produce occasional education rather than an ongoing CME program.
  • Learner convenience: Participants receive clear credit statements and documentation that meet licensing and credentialing needs.

Who Can Partner

Typical joint providership partners include medical specialty societies, hospitals, health systems, academic departments, community clinics, and nonprofit organizations that plan individual educational activities. Partners should have a clear educational mission and the capacity to manage program logistics (faculty, venue/platform, learner registration), while WisMed supports accreditation-related requirements and credit issuance.

How To Get Started

If your organization plans an educational activity and would like it accredited under the Wisconsin Medical Society’s Joint Providership Program, reach out to WisMed’s Education & Accreditation team at [email protected] to discuss your activity, timeline, and next steps. WisMed staff will walk you through the agreement process, compliance expectations, and the documentation you’ll need to submit.

Joint providership is a practical, compliant pathway for organizations that want to offer accredited CME without becoming a fully accredited provider themselves. With WisMed as your partner, you get streamlined access to CME credit, expert guidance on standards and disclosures, and the administrative support to focus on what matters most: high-quality education that improves patient care.

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