What Is Disability Insurance Stacking?

Named one of the “Top Docs of Louisville” multiple times, Dr. Christopher C. Babcock, DMD, performs maxillofacial surgery at Louisville Oral Surgery and Dental Implants. Christopher C. (Chris) Babcock, DMD, is also a representative of the Guardian Life Insurance Company of America. He specializes in disability insurance products and strategies for individuals in high-earning professions.

Since disability insurance benefits can only reimburse a percentage of income, high-earning professionals may benefit from multiple policies, a process known as stacking. Individuals whose income is far above a single policy’s maximum monthly payout can increase their benefits by purchasing additional plans. While some disability insurers limit the total a policyholder can receive from any disability plan, this amount is usually much higher than the maximum monthly benefit.

Individuals can also use stacking to supplement older plans. For example, a professional may have obtained a cheaper policy with a lower benefit earlier in their career. After several years, the plan’s payout limit became a fraction of the policyholder’s current income. Buying an additional plan to fill the gap may be less expensive than replacing the older policy with a new plan with a higher payout. Stacking can also be used strategically by combining a plan with a short waiting period with a policy that has a longer period of coverage.

An Introduction to the Common Types of Beehives

In addition to his work as an oral and maxillofacial surgeon, Dr. Christopher C. Babcock is a licensed life and health insurance broker for his company, Babcock Professional Services. He completed his MD from the University of Louisville. When not at work, Christopher C. Babcock, DMD plays guitar and keeps bees.

While many variations of hives for keeping bees exist, there are three designs that are by far the most popular: the Langstroth, the Warre, and the Top Bar.

Invented in the mid-1900s by Reverend LL Langstroth, the Langstroth style of a beehive is by far the most iconic. It is a square box with removable frames that can then be harvested for honey. While this style can most easily be harvested, the frames themselves can be heavy and cumbersome to move around. In addition, bees generally need to be smoked before frames can be removed.

The Warre style is meant to provide a more organic hive for bees. It is a vertical style hive where bees fill comb from the top down. While providing better support for bees over the winter, this style of the hive does not use frames like Langstroth hives, so accessing bees to check on them or treat them is difficult to do and disrupts the comb structure.

Finally, the Top Bar style of the hive is a long wide hive structure with horizontal bars from which bees can form comb vertically. As the colony grows, bars can be added or removed to harvest honey. One problem with this style is that it can have ventilation issues, but the bars are much lighter than the frames of the Langstroth.

About TMJ and Treatments

Christopher C. Babcock, DMD, earned his MD from the University of Louisville in 2003. Besides dedicating time to his dentistry career, Dr. Chris Babcock works in finance, focusing on disability insurance and life insurance. Currently, Christopher C. Babcock, MD, works as an oral and maxillofacial surgeon at Louisville Oral Surgery and Dental Implants, specializing in maxillofacial trauma surgery and TMJ treatment and surgery.

Maxillofacial surgery refers to surgery executed to address problems of the head, face, jaw, neck, and sinuses. Typically, surgeons of this area perform surgeries that involve bone, but they can also deal with tissue structures.

One example of a situation that may require maxillofacial surgery if other treatments fail is temporomandibular joint disorder (TMJ). This condition causes pain in the jaw due to the joint connecting the jawbone to the skull. People with TMJ often experience acute pain and have difficulty with everyday activities such as eating and talking. Although maxillofacial surgery is an option for those suffering from TMJ, some conventional treatments provide substantial relief.

Among the standard treatments are physical therapy, ice, rest, relaxation techniques, and orthodontic bite correction if bite problems cause the TMJ. In cases where bruxism (a condition in which the patient clenches or grinds their teeth while sleeping), causes TMJ, a custom-fitted splint may also be recommended by an orthodontist.

Long-Term Disability Insurance – Things To Know

Christopher C. Babcock graduated with a DMD degree from the University of Louisville, and is currently practicing as an oral and maxillofacial surgeon at Louisville Oral Surgery and Dental Implants. Christopher C. Babcock is experienced in various dental and reconstructive surgery procedures and has also promoted disability insurance awareness.

Long-term disability (LTD) insurance is an insurance policy that covers employees from loss of income when they suffer from the effects of an illness, accident, or injury over a long period of time. However, the insurance does not always apply to work-related injuries that may be covered by separate workers’ compensation insurance policies.

Often, LTD insurance is paid for and provided by employers. If an employer does not offer LTD insurance to its employees, or if an employee seeks additional coverage, the employee can independently purchase an individual LTD plan from an insurance agent. Some employers that do not provide LTD insurance to their employees build a relationship with long-term disability insurance companies, to ensure that their employees receive discounts when purchasing individual plans.

Occasionally, LTD insurance provided by an employer may not be sufficient to meet the needs of a disabled employee. In this case, the employee may opt in to an additional individual plan.