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At least 595 records · Page 33Linked to original sources
PubMed2006

Association between costly veterinary-care events and 5-year survival of Swedish insured warmblooded riding horses.

Our objective was to estimate the 5-year survival to death in insured warmblooded riding horses (as reflected by a life-insurance claim) in horses with or without at least one costly veterinary-care event (VCE) in 1997. We also determined the impacts of gender, age, previous diagnosis of veterinary claim, geographic variables, cost for veterinary claims and life-insurance value upon the survival. The design was a retrospective cohort study using a population of warmblooded riding horses insured in a Swedish animal-insurance company (Agria Insurance, P.O. 70306, SE-107 23 Stockholm, Sweden) in 1997. All horses in this population had insurance both for veterinary-care and life ("complete" insurance reimbursing the insurance holder for most medical problems). We followed two cohorts (2,495 horses with > or = 1 VCE and 15,576 horses with no VCE in year 1997). The median VCE cost in horses with > or =1 VCE was 3,800 SEK, with 10th and 90th percentiles of 1,400 and 11,400 SEK respectively. In total 944 of the 2,495 horses (38%) in the VCE-positive cohort and 2,962 of the 15,576 horses (19%) in the VCE-negative cohort had died (had a settled life-insurance claim) after the follow-up time. An exponential-regression model showed that geldings had a higher risk of claimed death compared to mares and mares had a higher risk compared to stallions. The risk of death increased linearly with age. The risk of death increased with increasing life-insurance value. Horses with previous lameness had the lowest survival, and for high-cost claims this increased risk was not associated with age.

Age Distribution↗
PubMed1998

Genetic testing legislation: a review of the past two years.

The American Council of Life Insurance is a national trade association that represents the interests of legal reserve life insurance companies in legislative, regulatory and judicial matters at the federal, state and municipal levels of government and at the National Association of Insurance Commissioners. Its member companies hold more than 90 percent of the life insurance in force in the United States.

Confidentiality↗
PubMed1992

Educational, occupational, and insurance status of childhood cancer survivors in their fourth and fifth decades of life.

PURPOSE: Survivors of childhood cancer who are now greater than or equal to 30 years of age are available for study in significant numbers for the first time. An evaluation of their educational achievement, current employment status, frequency of problems in the work-place, and ability to obtain affordable health and life insurance was the aim of this study. PATIENTS AND METHODS: This was a case-control study of 219 childhood cancer survivors with individually matched controls from two tertiary-care pediatric centers. Telephone interviews were used and drew on a 356-item basic instrument for both subjects and controls. Medical (including intensity of therapy), marital, and psychosocial areas were included in the survey, but statistical comparisons concentrated on educational and economic issues. RESULTS: The overall current status of survivors and controls in the relevant areas, ie, education, employment, and insurance, was similar. A history of employment discrimination for entry into the uniformed services and in other special situations, and life insurance discrimination during the initial years after the completion of therapy was noted. Survivors experienced few problems in the work-place. Survivors of CNS tumors were unique, with problems in many of the areas studied, although there were notable individual exceptions. CONCLUSION: With the exception of those individuals with CNS tumor histories, survivors who were treated in the era of 1945 to 1975 had few economic sequelae of cancer or its therapy that extended beyond the first decades after treatment.

Adult↗
PubMedDate not supplied

Return of premium term life: is it for real?

Physicians who feel they are wasting their money in paying premiums for a typical 30-year-level term life insurance policy may find help in a return-of-premium term life insurance policy. Premiums are higher, but all the money is refunded at the end of the term if the policyholder has not died. Estimates are that 93 percent of policyholders outlive the term of their life insurance.

Actuarial Analysis↗
PubMed1994

Four proposals for market-based health care system reform.

A perfectly free, competitive medical market would not meet many social goals, such as universal access to health care. Micromanagement of interactions between patients and providers does not guarantee quality care and frequently undermines that relationship, to the frustration of all involved. Furthermore, while some North American health care plans are less expensive than others, none have reduced the medical inflation rate to equal the general inflation rate. Markets have always fixed uneven inflation rates in other domains. The suggested reforms could make elective interactions between patients and providers work more like a free market than did any preceding system. The health and life insurance plan creates cost-sensitive consumers, informed by a corporation with significant research incentives and abilities. The FFEB proposal encourages context-sensitive pricing, established by negotiation processes that weigh labor and benefit. Publication of providers' expected outcomes further enriches the information available to consumers and may reduce defensive medicine incentives. A medical career ladder would ease entry and exit from medical professions. These and complementary reforms do not specifically cap spending yet could have a deflationary impact on elective health care prices, while providing incentives to maintain quality. They accomplish these ends by giving more responsibility, information, incentives, and choice to citizens. We could provide most health care in a marketlike environment. We can incorporate these reforms in any convenient order and allow them to compete with alternative schemes. Our next challenge is to design, implement, and evaluate marketlike health care systems.

Education, Medical↗
PubMed1997

Prediction of abstinence from ethanol in alcoholic recipients following liver transplantation.

The prediction of abstinence from ethanol may be crucial to the optimal selection of liver transplantation candidates with alcoholism. Of 84 consecutive end-stage alcoholic patients who underwent transplantation (1986-1994) at our institution, we analyzed 63 long-surviving recipients for pretransplantation variables to predict posttransplantation abstinence (follow-up: 49.3 +/- 21 mo). Thirty-three pretransplantation variables were reviewed from our transplantation data base and supplemented and confirmed with interviews with recipients. The psycho-social inclusion criteria included the following: patient recognition of alcoholism, a domicile, an occupation, and at least one close personal relationship. The incidence of abstinence from ethanol was (50/63) 79%. A logistic regression of the 33 variables in conjunction with our above inclusion criteria accurately predicted abstinence (90% accuracy, chi2 model, P < .00001) based on the absence of previous history of any illicit drug use (Drug Use: yes = 1/no = 0), the presence of an active, personal life insurance policy (Life Ins: yes = 1/no = 0), number of alcoholic sisters (ETOH-SIS), and the length of pretransplantation abstinence (PRE-TRANS-ABS, mos): Prob. of abstinence = 1/1 + e(-F), F = -0.33 +/- 0.89 (DRUG USE) -1.02 (LIFE INS) -1.68 (ETOH-SIS) +0.24 (PRE-TRANS-ABS). In contrast, receiver-operating characteristic curve analysis found that 7 and 9 months of pretransplantation abstinence were the best cut-off points in predicting subsequent abstinence, but poor utility was noted at these points with this specific value alone (sensitivity 61-84%, specificity 64-68%). A separate analysis of high-risk patients with poly-drug use (n = 15, alcohol recidivism 8/15, 53%) and the remaining low-risk group of purely alcohol dependent patients (n = 48, alcohol recidivism 5/48, 10%) found no combination of variables was predictive of abstinence in either group. The length of pretransplantation abstinence is a relatively poor predictor of posttransplantation abstinence. Variables of comorbid substance use, social function, and possibly family history are more predictive in conjunction with our standard criteria and might be useful as tools in evaluating liver transplantation candidates whose primary diagnosis is alcohol-induced cirrhosis.

Adult↗
PubMedDate not supplied

Long-term breast cancer survivors: confidentiality, disclosure, effects on work and insurance.

UNLABELLED: As more women are diagnosed with breast cancer, more will survive the illness from a few years to a lifetime. This study sought to determine the experience of Canadian breast cancer survivors with respect to the impact of cancer on confidentiality, work and insurance. METHOD: Women who had survived breast cancer without recurrence for at least 2 years completed a mail survey about the effect of their illness on confidentiality, disclosure, work and insurance. RESULTS: 378 (75.6%) women breast cancer survivors responded to the survey. Their mean age was 61.0+/-10.9 years, and 67.6% had been recurrence free for more than 5 years. The majority of women rated hospital staff, family doctors, family, friends, and support groups at the highest possible level of confidentiality. Over 70% of survivors disclosed their diagnosis to friends, children, siblings, and partners, while over 50% disclosed to work colleagues and supervisors. However, over 40% felt cancer had altered their priorities or progress at work, and 5% were afraid to change jobs in case they became ill again. There was a lack of knowledge about insurance but, of the types of insurance identified, life insurance (17.9%), extended health insurance (7.7%), and private disability insurance (4.4%) were reported to have been refused or offered only with higher premiums as a result of a past diagnosis of breast cancer. DISCUSSION: A substantial minority of women perceived that cancer had substantially affected their personal and work lives. Although most felt their illness confidentiality was well protected and they disclosed freely to family, friends, and work, over 40% of women survivors reported that cancer had affected their work in various ways, and nearly 20% identified insurance problems. It appears that disclosure sometimes results in negative work and insurance experiences. CONCLUSIONS: Health professionals and cancer survivors should engage in education about the potential positive and negative effects of disclosure, and advocacy against cancer-based work and insurance discrimination.

Adaptation, Psychological↗
PubMed2002

Economic costs of HIV infection: an employer's perspective.

The introduction of highly active antiretroviral therapy has proven highly effective in treating patients with HIV/AIDS. However, the high cost of the advanced antiretroviral therapy has led to increased financial constraints on both patients and payers. From business firms'perspective, especially those with operations in developing countries, it is crucial to determine the long-term economic cost implications of alternative employment and benefit policies for HIV-infected workers or those at high risk for the disease. A simulation model is developed to predict the comprehensive lifetime economic costs of HIV-infected workers to an employer. This model employs age,CD4(+) cell counts,and plasma HIV-1 RNA level as major predictors of the disease progression and patient survival in the determination of various cost functions. Major cost components considered include direct expenses on health insurance premium,life insurance premium, short-term disability benefits, long-term disability benefits, hiring/training expenses, and indirect costs resulting from reduced or lost productivity at work. An individual model and a group model are derived to estimate the costs of an individual and a group of HIV-infected patients, respectively. Over a 10-year period, following the nonadvanced antiretroviral treatment regimen, the group model predicts that the total lifetime cost of an HIV-infected worker can be as high as U.S. 90,000 dollars to his/her employer, of which 60,000 dollars would be various explicit costs and 30,000 dollars lost work productivity. Sensitivity analysis further demonstrated that changes in the initial level of age,CD4(+) cell count, HIV-1 RNA viral load,CD4(+) cell decline rate, and the costs of medical care influence the dynamics of the cost functions. HIV infection can result in sizable economic costs to an employer over the lifetime course of an infected employee if not treated with the advanced antiretroviral therapy. These cost estimates provide a rational economic basis for an employer to optimally assess the longrun costs and benefits of alternative employment and insurance policies in the care of employees with HIV infection.

Journal Article↗
PubMed1986

Psychosocial consequences of childhood and adolescent cancer survival.

A Connecticut Addendum to a multi-center National Cancer Institute study was developed to investigate psychosocial effects of long-term childhood and adolescent cancer survival. Cases (450), drawn from the files of the Connecticut Tumor Registry and 587 of their siblings were located and interviewed. Overall response rate was 84%. The frequency of lifetime major depression in survivors (males, 15%; females, 22%) did not appear to differ from that of their siblings (males, 12%; females, 24%) and was similar to those reported in the literature for the general population. The usual correlates of depression (sex, marital status, perception of health) were observed, independent of a history of a childhood malignancy. There were no differences in the reported frequencies of suicide attempts, running away or psychiatric hospitalizations for either sex. Eighty percent of the male survivors were rejected from the armed forces, 13% from college and 32% from employment. These values were significantly higher than those of the male siblings. Female survivors were significantly more likely than their sisters to be denied entrance into the military (p less than 0.05), but no differences were observed between females with respect to college or employment. Both sexes had more difficulty obtaining health and life insurance than their siblings (p less than 0.0001). Although survivors of childhood and adolescent cancer do not seem to be at excess risk for major depression, they do appear to have difficulty attaining certain major socioeconomic goals.

Adolescent↗
PubMed1984

Economics and extended longevity: a case study.

Preventive and therapeutic advances have brought life expectancy in the United States to well over 70 years and have shifted mortality causes from acute to chronic diseases, the determinants of which are genetics, lifestyle, the environment, and aging itself. Plausible approaches to chronic disease prevention are likely to increase longevity further, with some foreseeable effects on demographic and economic projections. Primarily, longevity advances would swell forecasts of population size, and would thus have to be met by production advances in order to maintain or improve living standards. This study, a restricted example, considers the probable demographic and economic consequences of a limited prevention program in the context of the Ford Motor Company, based on actual experience and certain expectations up to the year 2000. According to the results, prevention would reduce outlays for life insurance, disability, and health care, but would also generate the higher costs of extending pension plans. Undoubtedly, prevention will continue to be highly ranked in society's pursuit of happiness, and society must prepare to meet its effects with appropriate social and economic policies.

Aged↗
PubMed2006

Methods for determining healthy body weight in end stage renal disease.

Several formulas for calculating desirable body weight are used in chronic kidney failure patients. Ideal body weight (IBW) derived from Metropolitan Life Insurance tables has been available since the 1950s. The Hamwi formula was proposed in the 1960s as a simple tool for quickly estimating desirable body weight, especially in people with diabetes. Since the 1970s, National Health and Nutrition Evaluation Surveys I, II, and III have provided an in-depth evaluation of the average body weights of Americans. These standard body weights (SBW) are often interpreted to be normal and healthy weight goals. Body mass index (BMI) has also been studied for decades and is used internationally as the standard for determining healthy weight, especially in relationship to obesity. These 4 methods are discussed and compared along with a brief review of the history of using the adjusted body weight (ABW) formulas, followed by recommendations for clinical practice.

Age Factors↗
PubMed1996

Genetic discrimination: perspectives of consumers.

In a study of the perceptions of 332 members of genetic support groups with one or more of 101 different genetic disorders in the family, it was found that as a result of a genetic disorder 25 percent of the respondents or affected family members believed they were refused life insurance, 22 percent believed they were refused health insurance, and 13 percent believed they were denied or let go from a job. Fear of genetic discrimination resulted in 9 percent of respondents or family members refusing to be tested for genetic conditions, 18 percent not revealing genetic information to insurers, and 17 percent not revealing information to employers. The level of perceived discrimination points to the need for more information to determine the extent and scope of the problem.

Adult↗
PubMedDate not supplied

Viatical settlements: ethical perspectives.

Viatical settlements are new within the last decade. A settlement contract is a written agreement between a viator (terminally ill person) and an independent viatical settlement company. The company purchases the viator's life insurance policy before the person expires, paying a designated percentage of the policy's worth in exchange for ownership of the policy and beneficiary rights. The viatical settlement company assumes the responsibility for paying the premiums on the policy until the death of the viator. Settlement or proceeds to the viator typically average between 50 and 80 percent of the face value of the policy. This article examines the ethical ramifications of viatical settlements.

Contract Services↗
PubMed2006

Testing antecedents to sales performance in postapartheid era: a field study.

The predictors of objectively measured sales performance were assessed with 245 sales representatives from a large South African life insurance company. Sales representatives completed measures of their locus of control, entrepreneurial attitudes, biographical history, and performance was assessed from company records of sales, net commissions earned, and lapse ratios. The nature of employment contract, job status, and race explained significant differences in performance outcomes. The predictive nature of locus of control and entrepreneurial attitudes for performance outcomes was tested using structural equation modeling procedures, with limited validity. The implications for research and practice are also discussed.

Achievement↗
PubMed1985

Impact of age on weight goals.

Although the health hazards due to excessive obesity and excessive leanness are multiple and diverse, weight recommendations for over 40 years have been based solely on the risk of dying. The weight recommendation tables in nearly universal usage have been derived from the experience of the life insurance industry. Those tables have not recommended any weight adjustments for age. An analysis of the actuarial data on which the most recent tables are based shows that minimal mortality occurs at progressively increasing body weight as age advances (20 to 29, through 60 to 69 years). There is, furthermore, no systematic sex difference in those weights. We have prepared height-weight tables that are age-specific and delete sex and body frame type as variables. These weight standards are lower for young adults and higher for older adults than those previously recommended. A review of 23 other reported populations confirms the need to adjust weight standards for age.

Actuarial Analysis↗
PubMed1997

Historical changes in the objectives of the periodic health examination.

Important historical changes have occurred both in the content of the periodic health examination and in the legitimacy with which this examination has been viewed. These changes reflect fundamental shifts in the objectives of the examination and in the concerns of its advocates, the most prominent of whom have been physicians; leaders in the life insurance, private corporate, and prepaid health care industries; and medical expert panels. The shifting dominance of concerns has driven the development of the periodic health examination, and continual reassessment of the value and limitations of the examination is warranted.

History, 20th Century↗
PubMed1981

The periodic health examination: genesis of a myth.

Although the periodic health examination was introduced over 80 years ago, it remains a controversy in internal medicine. There have been few data from controlled studies to document the examination's efficacy for adults; nevertheless, its popularity is increasing and health screening has become a multimillion-dollar industry in the United States. Conclusions drawn from poorly designed studies 65 years ago led to the acceptance of periodic examination as a means of detecting disease and reducing mortality. First, physicians associated with life insurance companies and, later, private practitioners began offering these examinations. By promoting the periodic health examination, the medical profession created interest among the general population. The impact of health screening is still unknown today, and well-designed studies are needed to resolve the controversy.

Attitude of Health Personnel↗
PubMed1980

Forecast for health service executives: rapidly rising compensation.

Total cash compensation for health service executives should increase at an annual rate of 9 to 10 percent in the next few years. Retirement income, life insurance, long-term disability coverage, and general perquisites will likewise improve. Health service executives receive proportionately lower cash compensation (salary plus bonuses), judged by their institutions' operating budgets, than executives in the for-profit sector.

Administrative Personnel↗