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Long COVID - One Year On. 长冠-一年过去了。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-05-13 DOI: 10.17849/insm-49-3-1-6.1
Timothy J. Meagher
{"title":"Long COVID - One Year On.","authors":"Timothy J. Meagher","doi":"10.17849/insm-49-3-1-6.1","DOIUrl":"https://doi.org/10.17849/insm-49-3-1-6.1","url":null,"abstract":"Long COVID is now a recognized complication of acute COVID-19 infection. As the COVID-19 pandemic moves into its third year, the prevalence of Long COVID continues to increase. Many individuals report symptoms lasting longer than a year, and a subset of this group is unable to work. This article will provide an update on Long COVID, with a particular focus on distinguishing it from other clinical entities. It will review several proposed disease mechanisms and will attempt to anticipate the impact on disability insurance.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67476463","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: 1
Projection of Impaired Life Expectancy in Individuals in the United Kingdom Using Mortality Ratios. 使用死亡率预测英国个人预期寿命受损
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-04-01 DOI: 10.17849/insm-49-02-02
David Bowen Jones, Nicole R Gray, Madeleine Reid, William F Scott
{"title":"Projection of Impaired Life Expectancy in Individuals in the United Kingdom Using Mortality Ratios.","authors":"David Bowen Jones,&nbsp;Nicole R Gray,&nbsp;Madeleine Reid,&nbsp;William F Scott","doi":"10.17849/insm-49-02-02","DOIUrl":"https://doi.org/10.17849/insm-49-02-02","url":null,"abstract":"<p><p>Projections of life expectancy are widely used in medicine, actuarial practice, and in the medicolegal and insurance fields. For individuals considered to have average future survival, nationally-derived life expectancy tables are available, referred to as the Ogden Tables. In the United Kingdom, updated tables (the 8th edition) were published in July 2020. We have calculated impaired projected life expectancies for the United Kingdom based on age and gender, derived from the 8th edition of the Ogden Tables together with various assumed lifelong mortality ratios.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 2","pages":"105-113"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39268753","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
Cancer of the Liver, Intrahepatic Bile Ducts, Gallbladder, Exocrine and Neuroendocrine Pancreas: 20-Year Comparative Survival and Mortality Analysis by Age, Sex, Race, Stage, Grade, Cohort Entry Time-Period, Disease Duration & Selected ICD-O-3 Oncologic Phenotypes A Systematic Review of 367,420 Cases for Diagnosis Years 1973-2014: (SEER*Stat 8.3.4). 肝癌、肝内胆管癌、胆囊癌、外分泌癌和神经内分泌胰腺癌:按年龄、性别、种族、分期、分级、队列入组时间、病程和选定的ICD-O-3肿瘤表型进行的20年生存率和死亡率比较分析。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-04-01 DOI: 10.17849/insm-49-2-1-36.1
Anthony F Milano
{"title":"Cancer of the Liver, Intrahepatic Bile Ducts, Gallbladder, Exocrine and Neuroendocrine Pancreas: 20-Year Comparative Survival and Mortality Analysis by Age, Sex, Race, Stage, Grade, Cohort Entry Time-Period, Disease Duration & Selected ICD-O-3 Oncologic Phenotypes A Systematic Review of 367,420 Cases for Diagnosis Years 1973-2014: (SEER*Stat 8.3.4).","authors":"Anthony F Milano","doi":"10.17849/insm-49-2-1-36.1","DOIUrl":"https://doi.org/10.17849/insm-49-2-1-36.1","url":null,"abstract":"<p><p>This article summarizes the results of a review of adult invasive primary cancers of the liver, intrahepatic bile ducts, gallbladder, exocrine and endocrine pancreas, as recorded in the SEER Program of the National Cancer Institute for diagnosis years 1973-2014 (SEER Stat 8.3.4).</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 2","pages":"60-96"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39699154","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
JIM Reading List. JIM阅读列表。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-04-01 DOI: 10.17849/insm-49-2-119-125.1
{"title":"JIM Reading List.","authors":"","doi":"10.17849/insm-49-2-119-125.1","DOIUrl":"https://doi.org/10.17849/insm-49-2-119-125.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 2 1","pages":"119-125"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45103506","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
Projection of Impaired Life Expectancy for Individuals in the United Kingdom Using Estimated Excess Death Rates. 利用估计的超额死亡率预测英国个人预期寿命受损。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-04-01 DOI: 10.17849/insm-49-02-01
David Bowen Jones, Nicole R Gray, Madeleine Reid, William F Scott
{"title":"Projection of Impaired Life Expectancy for Individuals in the United Kingdom Using Estimated Excess Death Rates.","authors":"David Bowen Jones,&nbsp;Nicole R Gray,&nbsp;Madeleine Reid,&nbsp;William F Scott","doi":"10.17849/insm-49-02-01","DOIUrl":"https://doi.org/10.17849/insm-49-02-01","url":null,"abstract":"<p><p>We have recently constructed tables of the estimated life expectancies of impaired lives on the basis of mortality ratios and the cohort life expectancy tables given in the 8th edition of the Ogden Tables, which are derived from the ONS 2018-based population projections for the United Kingdom.1,2 The life expectancy of impaired lives may also be estimated using excess death rates. In this paper, we give tables of life expectancies for impaired lives using a range of excess death rates for males and females from age 0 to age 100. As both mortality ratios and excess death rates are widely used in medical and legal settings, it is hoped that these additional tables of life expectancies will be of practical value.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 2","pages":"97-104"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39276418","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
Low Serum Creatinine as a Marker for Undisclosed Alcohol Abuse. 低血清肌酐作为未公开的酒精滥用的标志。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-04-01 DOI: 10.17849/insm-49-2-1-3.1
Vera Dolan
{"title":"Low Serum Creatinine as a Marker for Undisclosed Alcohol Abuse.","authors":"Vera Dolan","doi":"10.17849/insm-49-2-1-3.1","DOIUrl":"https://doi.org/10.17849/insm-49-2-1-3.1","url":null,"abstract":"<p><p>Detecting undisclosed alcohol abuse in life insurance applicants has always been a challenge to life underwriters and medical directors. This case report describes a 38-year-old woman with classic signs, symptoms, behavior and biochemical markers of undisclosed alcohol abuse. Review of 10 years of medical records revealed chronic abnormally low serum creatinine results associated with abnormally elevated liver function tests, and repeated denials to attending physicians of ever consuming alcohol. Kidney function throughout the 10-year history was not impaired. Low serum creatinine may be a good marker for detecting undisclosed alcohol abuse, but only when there is no kidney injury, dysfunction or impairment obscuring it.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 2","pages":"114-116"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39654038","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
Insurance and Improving Its Strategic Purchase in Iran. 保险与改进在伊朗的战略采购。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2022-03-04 DOI: 10.17849/insm-49-2-1-2.1
Mahdieh Motie, R. Dehnavieh, Khalil Kalavani
{"title":"Insurance and Improving Its Strategic Purchase in Iran.","authors":"Mahdieh Motie, R. Dehnavieh, Khalil Kalavani","doi":"10.17849/insm-49-2-1-2.1","DOIUrl":"https://doi.org/10.17849/insm-49-2-1-2.1","url":null,"abstract":"As in most countries, patients, health care providers, and insurance organizations are key components of the health care system in Iran. High rates of growth and development in today's financial markets, have made the insurance industry with its unique calculations and models, a prominent player in this specialized economic sector.","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46736314","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: 1
Special Needs Insurance: More Stability for a Growing Family's Budget. 特殊需要保险:增加家庭预算的稳定性。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-11-01 DOI: 10.17849/insm-49-s1-1-31.1
David Morel
{"title":"Special Needs Insurance: More Stability for a Growing Family's Budget.","authors":"David Morel","doi":"10.17849/insm-49-s1-1-31.1","DOIUrl":"https://doi.org/10.17849/insm-49-s1-1-31.1","url":null,"abstract":"<p><strong>Objective.—: </strong>To propose an insurance product called special needs insurance. The insurance will pay parents a lump sum up to $100,000 if they have a child that is born with or develops a special needs condition such as Down syndrome, cerebral palsy or autism.</p><p><strong>Background.—: </strong>Raising a child is expensive; raising a child with a special need can be hundreds of thousands of dollars more expensive. These additional costs include direct costs that are not covered by health insurance and indirect costs such as the loss of earnings when a working parent must tend to a special needs child.</p><p><strong>Method.—: </strong>We analyze a gamut of birth and early childhood disabilities, both physical and cognitive, from the medico-actuarial perspective. We describe each condition using relevant medical literature and calculate prevalence rates from epidemiological studies (appendix A1-A15). After accounting for multiple births, we develop a final premium.</p><p><strong>Results.—: </strong>We find that physical impairments are sufficiently well understood to guarantee a fixed payout, whereas cognitive impairments such as autism are less understood, and so for these we propose a cognitive fund that does not guarantee a fixed payout. We find that an average single premium of $4,600 allows the insurer to profitably pay out the proposed benefits.</p><p><strong>Conclusions.—: </strong>Raising a special needs child can put a significant strain on the affected family's budget. We propose an insurance product that provides relief through a large lump sum payout. Although no new insurance product can be guaranteed success, our analysis of this product gives an interested insurer reasonable justification to take on this new risk.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 s1","pages":"1-31"},"PeriodicalIF":0.0,"publicationDate":"2021-11-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"39632319","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: 1
COVID-19 and Mental Health: Should We Expect an Increase in Disability? COVID-19与心理健康:我们应该期待残疾人数增加吗?
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-03-30 DOI: 10.17849/insm-49-1-1-8.1
Timothy Meagher
{"title":"COVID-19 and Mental Health: Should We Expect an Increase in Disability?","authors":"Timothy Meagher","doi":"10.17849/insm-49-1-1-8.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-1-8.1","url":null,"abstract":"<p><p>Disability due to mental health disorders has been increasing in many countries over the past years. The COVID-19 pandemic may worsen this trend because of 3 different, and at times overlapping, pathways. This article describes each pathway, and by drawing on the experience of previous coronavirus epidemics and recent recessions, attempts to estimate the likelihood that claims due to mental health disorders will increase.</p>","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"49 1","pages":"1-8"},"PeriodicalIF":0.0,"publicationDate":"2021-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"25530746","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: 1
Indiscriminate Musings. 不加思考。
Journal of insurance medicine (New York, N.Y.) Pub Date : 2021-03-30 DOI: 10.17849/insm-49-1-1-2.1
Timothy J. Meagher
{"title":"Indiscriminate Musings.","authors":"Timothy J. Meagher","doi":"10.17849/insm-49-1-1-2.1","DOIUrl":"https://doi.org/10.17849/insm-49-1-1-2.1","url":null,"abstract":"","PeriodicalId":39345,"journal":{"name":"Journal of insurance medicine (New York, N.Y.)","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-03-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44494675","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
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