Monday, March 1, 2021

Factors for Calculating Disability Coverage Needs


Oral and maxillofacial surgeon Dr. Christopher C. “Chris” Babcock has leveraged his MD and DMD in a Louisville practice for more than two decades. In 2014, Christopher C. Babcock, DMD, took a break from his career after enduring a severe spinal injury. His comprehensive disability insurance coverage contributed to his ability to maintain financial security. Since then, he has advocated for the widespread purchase of disability policies.


One out of every three working-age Americans will experience a disability or illness that will prevent them from working for 90 days or longer. Disability insurance serves as a financial buffer by replacing a percentage of a policyholder’s income until they are able to return to work. Coverage is provided at varying levels, with higher payouts usually incurring higher premiums. Before starting a policy, people should determine how much coverage they need.

No disability insurance plan will replace 100 percent of income, but the ideal payout amount should cover basic monthly expenses. There are also other factors to take into account. For example, people on disability leave often reduce their discretionary spending due to little or no commuting costs.

Depending on the extent of the disability, some people may choose to reduce their necessary costs even more by moving to an area with a lower cost of living. Further, the insurance payout may be subject to taxes. For these reasons, financial experts advise selecting a policy that compensates up to 70 percent of lost income. Higher-income earners can also purchase supplemental policies.

Friday, October 23, 2020

Common Wisdom Teeth Issues

 

Wednesday, September 30, 2020

The Give Kids a Smile Program at ADA

 

Friday, September 11, 2020

Tips for Choosing Guitar Strings


Currently a member of the American Association of Oral and Maxillofacial Surgeons, Christopher, Chris, C. Babcock, MD works as an oral and maxillofacial surgeon for Louisville Oral Surgery. Dr. Christopher C. Babcock also keeps bees and plays guitar.


Picking out which style and gauge of guitar strings can be a very personal choice for a guitar player. Although seemingly unimportant, the guitar strings have a big impact on tone. The gauge of the string is measured by the diameter of the string in thousandth of an inch. Although the exact tuning of each string can vary by player and tuning, the range of gauge across the strings can make the same guitar sound very different. Lighter gauges are generally easier to play, and larger gauges take more force.

Another big factor in guitar strings is the material used. The material generally ranges from type of guitar. Acoustic guitars use silk and steel, phosphor bronze, and bronze. Usually preferred by jazz or folk players, silk and steel are called such because they have a core of steel but are wound in silver or copper plated silk. Bronze are the brightest sounding strings, but also the most prone to losing their iconic sound. Therefore, phosphor bronze strings add phosphor to keep the strings from wearing out so quickly, but this addition causes the strings to have a less bright tone.