How a Disability Insurance Policy Can Help You

Christopher C. (Chris) Babcock, MD, DMD, practices at Louisville Oral Surgery and Dental Implants, where he has worked since 2018. In addition to being an oral surgeon, Dr. Christopher C. Babcock is a licensed health insurance and life insurance broker. In his work in the insurance field, Christopher C. Babcock, MD, encourages individuals to get a disability insurance policy.

Disability insurance provides a source of income for people unable to work after an injury or accident. Though many employers offer some form of disability insurance, the coverage is often short-term and may not cover the employee’s full salary.

Research indicates that roughly a third of Americans are likely to experience at least 90 days in which they are disabled in the course of their career, yet nearly 50 percent of workers do not have any coverage in case of an injury. The best time to purchase a disability insurance policy is while you are still young.

If you are young and healthy, qualifying is easier, and premiums are lower. As you age and develop health issues, the price increases. Disability insurance is especially important if you work in a profession in which your risk of injury is high. Not purchasing disability insurance is one of the biggest financial mistakes that workers can make.

How Impacted Wisdom Teeth Can Affect Health

Christopher C. (Chris) Babcock, MD, DMD, practices dentistry and oral surgery in Louisville, Kentucky. As a staff surgeon for Louisville Oral Surgery and Dental Implants, Christopher C. Babcock, MD, DMD, delivers important preventive and restorative treatments, including wisdom tooth extraction, a remedy for severely impacted wisdom teeth.

If wisdom teeth have no room to emerge, they are considered impacted. Without proper treatment, impacted wisdom teeth can lead to a host of oral health problems. For example, partially emerged wisdom teeth are difficult to reach through brushing and flossing, which can cause the buildup of plaque. Eventually, this plaque can infect the surrounding gum tissue and cause inflammation.

Bacteria from an impacted tooth can enter the bloodstream and spread infection throughout the body. At times, a cyst or tumor may develop near the impacted tooth. The tumor can grow so large that it causes misalignment and pain in the jawbone.

Complications from impacted wisdom teeth often require invasive surgical procedures or braces.