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.

ADA’s Fluoride in Water Campaign

As an oral and maxillofacial surgeon, Dr. Christopher C. Babcook is a member of the Kentucky Dental Association, and Kentucky Society of Oral and Maxillofacial Surgeons. Working in wisdom teeth removal, dental implants, and oral pathology, Christopher C. Babcook, MMD is also a member of the American Dental Association.

One of the programs of the American Dental Association is the Fluoride in Water program which seeks to provide information to the public about the efficacy and safety of fluoride. A naturally occurring substance, fluoride is added to water, as it can decrease the number of cavities in communities by around 25 percent. Water fluoridation has been studied for over 70 years and is considered safe by many international organizations such as the American Dental Association, the World Health Organization, and the Center for Disease Control.

As it is predominantly an educational resource for the benefits of Fluoride in Water, the program provides information on studies that were conducted about fluoride, the many benefits it provides, and the ways in which it’s used. There are also clinical guidelines, and fluoridation advocacy.

Common Problems Caused by Wisdom Teeth

Based in Louisville, Kentucky, Christopher C. (Chris) Babcock, MD, DMD, practices at Louisville Oral Surgery and Dental Implants, where he performs dental implants and extractions. Additionally, Christopher C. Babcock, MD, is skilled in removing wisdom teeth.

Wisdom tooth removal is a common procedure. In many cases, keeping wisdom teeth can lead to complications later in life. Though some people have wisdom teeth that grow in without any obvious issues, many dentists still recommend removal to prevent the development of problems.

When wisdom teeth are impacted (remaining inside the gums and not visible), a cyst or infection may develop in the gums, eventually leading to damage in bone support and the roots of other teeth. When wisdom teeth are partially impacted, they are difficult to clean and have an increased risk of causing gum disease or other oral infections. Speak with your dentist about your wisdom teeth to determine if surgery is necessary.