Journal of insurance medicine (New York, N.Y.)最新文献

Phosphatidylethanol Levels in a Group of Life Insurance Applicants Tested for Carbohydrate-Deficient Transferrin. 一组人寿保险申请人的磷脂酰乙醇水平检测碳水化合物缺乏转铁蛋白。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-8.1

Steven J Rigatti

{"title":"Phosphatidylethanol Levels in a Group of Life Insurance Applicants Tested for Carbohydrate-Deficient Transferrin.","authors":"Steven J Rigatti","doi":"10.17849/insm-52-2-1-8.1","DOIUrl":"10.17849/insm-52-2-1-8.1","url":null,"abstract":"Objective.—: To compare the alcohol biomarkers phosphatidylethanol (PEth) and carbohydrate-deficient transferrin (CDT) in a convenience sample of life insurance applicants.Background.—: PEth is a direct measure of alcohol consumption, which may have some advantages in the detection of problematic alcohol use when compared to CDT.Methods.—: A total of 619 life insurance applicants were tested for both PEth and CDT. Linear models were constructed to assess the relationship between these two markers and other laboratory values. Classification and regression tree (CART) models were also constructed to identify clusters of individuals with high levels of either marker.Results.—: The correlation between PEth and CDT was 0.52. PEth was positive in 23% of the sample at a threshold of 200 ng/ml, while CDT was positive in 11% at a threshold of 1.5%. CART models showed that GGT and AST were the most important predictors of PEth positivity, while HDL and AST were the most important predictors of CDT positivity.Conclusion.—: PEth may be a more sensitive marker of alcohol intake than CDT, and may be useful as a reflex test from other laboratory values in both the clinical and life insurance setting.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"52 2","pages":"66-73"},"PeriodicalIF":0.0,"publicationDate":"2025-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144709312","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

From the Editor's Desk. 从编辑部。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1.1

Rodney Richie, Michael Moore

引用次数: 0

Long Covid in Year 5: Some Progress, Still Many Questions. 五年级的长冠状病毒：取得了一些进展，但仍有许多问题。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-5.2

Timothy Meagher

引用次数: 0

Comparative Mortality in Adrenal Insufficiency Patients. 肾上腺功能不全患者的比较死亡率。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-6.2

Grace E Ching Sun

{"title":"Comparative Mortality in Adrenal Insufficiency Patients.","authors":"Grace E Ching Sun","doi":"10.17849/insm-52-2-1-6.2","DOIUrl":"10.17849/insm-52-2-1-6.2","url":null,"abstract":"Objective.—: This article presents an analysis of mortality data in individuals with a diagnosis of adrenal insufficiency compared to a matched population from a United Kingdom database.Background.—: Adrenal insufficiency is an easily treated disease, but if undiagnosed and/or glucocorticoid stress dosing is not appropriately implemented at times of illness, then death may occur.Methods.—: Tabular data on patients with primary and secondary adrenal insufficiency relative to matched controls was generated using the pixel method on the all-cause mortality graph published in the Ngaosuwan et al study.Results.—: Calculated annual mortality rates, excess death rates, and interval mortality rates were higher for both primary and secondary adrenal insufficiency compared to matched controls. And the increased mortality risk appeared to be greater in those with primary adrenal insufficiency compared to those with secondary adrenal insufficiency.Conclusion.—: Those with primary and secondary adrenal insufficiency have increased mortality compared to their matched cohort, especially in the early years after their diagnosis.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":"55-60"},"PeriodicalIF":0.0,"publicationDate":"2025-07-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"143574221","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The Living Kidney Donor: Immediate and Long Term Insurability. 活体肾脏捐赠者：即时和长期保险。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-24 DOI: 10.17849/insm-52-2-1-3.2

John R Iacovino

引用次数: 0

Cookbook and Cognition. 烹饪书与认知。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-08 DOI: 10.17849/insm-52-2-1.2

Thomas Ashley

引用次数: 0

Legal Regulation of Medical Expense Insurance: International Experience and Prospects for Development in Ukraine. 医疗费用保险的法律规制：国际经验与乌克兰的发展前景。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-08 DOI: 10.17849/insm-52-2-1-11.2

Oksana Khorvatova, Dmytro Chasovnykov

{"title":"Legal Regulation of Medical Expense Insurance: International Experience and Prospects for Development in Ukraine.","authors":"Oksana Khorvatova, Dmytro Chasovnykov","doi":"10.17849/insm-52-2-1-11.2","DOIUrl":"https://doi.org/10.17849/insm-52-2-1-11.2","url":null,"abstract":"The legal regulation of healthcare insurance is currently a major challenge for Ukraine in times of war, as the ongoing hostilities have created a pause in the full financing of the healthcare system, including healthcare insurance and ensuring access to healthcare for all citizens. That is why one of the most important issues on Ukraine's agenda is its desire to improve and modernise the existing healthcare system in line with the latest trends in healthcare insurance during the profound transformation of the country in the face of the challenges of war. The purpose of the study is to identify the specific features of legal regulation of medical expense insurance, to make a comparative analysis of international experience, and to provide recommendations on the prospects for the development of medical expense insurance in Ukraine. To achieve this goal, we used the following methods of scientific knowledge: general philosophical method, method of systemic analysis and synthesis, comparative legal method, dialectical method, methods of deduction, and induction. The practically significant conclusions and proposals obtained in the course of the thorough research are aimed at bridging the gap between the best practices implemented in other countries and the current realities of Ukraine. Taken together, this approach will help ensure the sustainability and smoothness of healthcare provision and compliance with the specifics of healthcare insurance.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2025-07-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144660693","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Patients' Rights to Mental Health Care: Legal Regulation of Access to Health Services and Insurance Programs. 病人获得精神卫生保健的权利：获得卫生服务和保险方案的法律规定。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-03 DOI: 10.17849/insm-52-2-1-13.2

Anatolii Berlach, Nataliia Zdanevych, Alla Melnyk, Serhii Soldatkin, Oleksandr Lavryk

{"title":"Patients' Rights to Mental Health Care: Legal Regulation of Access to Health Services and Insurance Programs.","authors":"Anatolii Berlach, Nataliia Zdanevych, Alla Melnyk, Serhii Soldatkin, Oleksandr Lavryk","doi":"10.17849/insm-52-2-1-13.2","DOIUrl":"https://doi.org/10.17849/insm-52-2-1-13.2","url":null,"abstract":"The study examines the importance of legal regulation of access to health services and insurance programs for persons with mental disorders in Ukraine, taking into account modern challenges, in particular the impact of war on the mental health of the population. In conditions of extraordinary psycho-emotional burden and imperfect regulatory framework, analysis can help to improve legislation using the experience of highly developed countries. This study uses methods of analysis, synthesis, induction, deduction, dialectical, analytical, analogy and generalization. The goal is to develop recommendations for integrating international standards that will provide comprehensive protection of patients' rights and access to effective medical care even in crisis conditions. The conflict in Ukraine has further exacerbated mental health problems, with a growing demand for psychological and psychiatric care due to trauma related to war, displacement, and constant stress. Current legislation does not meet modern psycho-emotional needs. Legislative inconsistencies, funding gaps, and terminological uncertainty impede access to basic medical services and insurance programs. Establishing a unified legal framework aligned with international standards is crucial to ensuring comprehensive health care and protecting patients' rights.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2025-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"144660694","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

The Chest X- Ray: The Ship has Sailed, But Has It? 胸部X光：船已经启航了，是吗？

Journal of insurance medicine (New York, N.Y.) Pub Date : 2025-07-01 DOI: 10.17849/insm-52-1-21-22.1

John R Iacovino

引用次数: 0

An Outline of a Simple, Interpretable Epigenetic Composite Score for Mortality Prediction for Accelerated Underwriting. 用于加速核保的死亡率预测的简单、可解释的表观遗传综合评分概要。

Journal of insurance medicine (New York, N.Y.) Pub Date : 2024-11-01 DOI: 10.1029/AAIMEDICINE-D-24-00027.1

James A Mills, Jeffrey D Long, Robert A Philibert

{"title":"An Outline of a Simple, Interpretable Epigenetic Composite Score for Mortality Prediction for Accelerated Underwriting.","authors":"James A Mills, Jeffrey D Long, Robert A Philibert","doi":"10.1029/AAIMEDICINE-D-24-00027.1","DOIUrl":"https://doi.org/10.1029/AAIMEDICINE-D-24-00027.1","url":null,"abstract":"Background.—: In principle, it is generally accepted that DNA methylation measures can be used to predict mortality. However, as of yet, no epigenetic metric has been successfully incorporated into underwriting procedures. In part, this failure results from the relative incompatibility of many DNA methylation measures with conventional underwriting practices.Objective.—: To test the ability of previously established epigenetic markers of smoking, drinking and diabetes to standard lipid-based approaches for predicting mortality.Method.—: We constructed a series of Cox proportional hazards models for mortality using clinical data and DNA methylation data from 4 previously described loci from the Framingham Heart Study.Results.—: The incorporation of vital signs, standard lipid and diabetes laboratory assessments to a base model consisting of age and sex only modestly increased prediction of mortality from 0.732 to 0.741 area under the curve (AUC). However, the addition of epigenetic marker information for smoking and drinking to the base model markedly increased prediction (AUC=0.787) while the addition of epigenetic marker for diabetes increased prediction even further (AUC=0.792).Conclusion.—: These results demonstrate the potential of simple interpretable, epigenetic models to predict mortality in a manner compatible with standard underwriting procedures. Potentially, this epigenetic approach using rapid methylation sensitive digital PCR procedures that can utilize saliva or whole blood DNA would increase prediction power even further while facilitating more accurate accelerated underwriting assessments of mortality.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"51 3","pages":"175-183"},"PeriodicalIF":0.0,"publicationDate":"2024-11-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"142717365","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0