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In October 1999, the BC Court of Appeal denied the request of the Canadian AIDS Society (CAS) and the BC Persons with AIDS Society (BCPWA) to intervene in the appellate hearing of a case raising questions about the responsibilities of employers and employees to preserve entitlement to life insurance coverage. In this case, the issue of the mental capacity of a man with AIDS-related dementia was a key issue.
More than 200,000 dogs insured by one Swedish company at the beginning of either 1995 or 1996 were included in a retrospective, cross-sectional study. They could be covered for veterinary care at any age, but were eligible for life insurance only up to 10 years of age. Accessions for veterinary care that exceeded the deductible cost were used to calculate the risk of morbidity. The morbidity and mortality data have been stratified by gender, age, breed, location and human population density. In each year, 13 per cent of the dogs experienced at least one veterinary care event and the mortality risk was 3.0 per cent. The risk of morbidity varied with age, gender, breed, and location. The risk of mortality increased principally with age. It was possible to derive population-based risks of morbidity and mortality from these insurance data.
Since the diagnosis posttraumatic stress disorder (PTSD) was included in the American diagnosis system DSM-III in 1980, the ongoing scientific discussion has led to a shift in the definition of the so called A-criterion (trauma criterion) away from the general theory that the disease-causing event has to be outside normal human experience towards the point of view that it is more or less determined by the subjective experience of the individual. Without wishing to become involved in the discussion, in the publication the author tries to explain, on the basis of references to basic concepts found in insurance law (accident, initial damage, suitability of event, objectivity, epidemiological considerations), that in social insurance as well as in non-life insurance an objective insured event which has a severe emotional impact on the individual is a prerequisite for payment. The conclusions is that not every mental disorder which occurs after an insured event and which has quite rightly been classified as PTSD (or partial PTSD) on the basis of the symptoms involved in accordance with ICD-10/DSM-IV (criteria B-D) necessarily results in payment under insurance law.
Insurance and mortgage companies continue to regard melanoma in a rigid and perhaps flawed way, with detrimental effect to patients' financial standing. We questioned 100 consecutive patients coming to our clinic between the ages of 20 and 50, and asked if they had had problems obtaining life insurance, mortgages etc, since they were diagnosed. A substantial proportion of patients in the younger age groups had problems with mortgage and insurance applications.
This article highlights the role played by commercial life insurance companies in determining the response to tuberculosis in Britain between 1865 and 1920. Late-Victorian life offices hired two sorts of physicians to help them screen out high-risk proposals: provincial medical examiners, who collected fees for examining candidates; and salaried medical advisors, who developed guidelines for the medical examination and interpreted the examiners' findings for the head office. The latter set of physicians, many of whom worked at specialist consumption hospitals in London, established an orthodoxy among life offices that privileged hereditarian explanations for the cause of tuberculosis. The provincial examiners resisted that orthodoxy, arguing that advances in public health and treatment rendered irrelevant any apparent correlation between family history and tuberculosis. In adjudicating this internal dispute, life offices stood by their salaried advisors, but in the process pushed them away from viewing disease in terms of specific causes and toward viewing disease in terms of statistical correlation. This victory of statistics over etiology preserved, at least for the rest of the twentieth century, the institutional prominence of insurance as a technique for coping with medical uncertainty.
A sample of the Swedish population was surveyed by interviewing households by telephone. The number interviewed was 11,762, of which 15.5% owned dogs, and of these, 77.9% had one dog. The estimated total population of dogs in Sweden was just over 800,000. Dog-owning was more common in more rural areas compared to larger cities. The numbers of male and female dogs were similar and few dogs were neutered. Mean age was 5.7 years with median 5 years. Mongrels comprised 13.3% and the most common breed was the dachshund (7.4%). Of dogs with information on insurance status, 68.4% of the dogs were insured for veterinary care and 58.3% were life insured.
The increased use of oral hypoglycemics among the more than 14 million diabetics in the United States and the development of new pharmaceutical formulations requires the continued surveillance of their use in the insurance applicant population. Routine monitoring of urine glucose or even blood glucose or fructosamine measurements often fail to detect the diabetic using oral hypoglycemics. Urine analysis for the use of first generation sulfonylureas has shown a declining prevalence of their use due to the increased number of prescriptions written for newer and more effective drugs. In order to monitor the use of these second-generation oral hypoglycemics, an immunoassay was developed to detect the use of glyburide, 1-[4-[2-(5 chloro-2-methoxybenzamido) ethyl]-phenyl] sulfonyl]-3-cyclohexylurea. After testing in a defined population of known users of this class of sulfonylureas, the assay was applied to a random population of 12,000 applicants applying for life insurance. Results demonstrate the predictive value of this assay in determining the prevalence of use of this drug in the insurance-buying population and its assistance in risk assessment.
Asthma is a respiratory syndrome that frequently is underdiagnosed, particularly in young children. This primarily results from the lack of clinically useful criteria for making the diagnosis in the absence of objective tests, which are problematic in young children. Because new information suggests that delayed diagnosis may lead to permanently decreased lung function that could be prevented by early treatment, it is important that an accurate diagnosis be made as early as possible. Although simple criteria exist for determining if a patient has asthma, there is a tendency to delay making the diagnosis for a variety of reasons, including the observation that many children who begin wheezing at an early age stop wheezing by the time they are 6 years of age, and concerns over adverse effects from falsely labeling a patient with a potentially stigmatizing condition. Young children who receive an incorrect diagnosis of asthma are at an increased risk of receiving unnecessary medications and may be denied life insurance, health insurance, and admission into the military later in life. On close examination, each of these concerns is unfounded. Early diagnosis of asthma has many potentially positive effects; the negative effects have generally been exaggerated and do not stand up to close scrutiny. Routine use of clinically useful criteria for making the diagnosis, as outlined in this review, may help to simplify the process of making an early diagnosis of asthma.
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Explore the source record for details and available documents.
Explore the source record for details and available documents.
In a cooperative study of 3,099 life insurance applicants with atrial fibrillation (AF), 71 deaths over an average duration of 3.3 years were observed and compared with deaths expected and derived from standard insurance mortality tables. A normal mortality was observed in cases of paroxysmal AF with no other identified cardiovascular impairment. Paroxysmal AF with associated mitral stenosis or coronary disease was found to have a significantly increased mortality. Chronic AF with or without other impairments entails a much higher risk than paroxysmal AF, those cases associated with mitral stenosis showing very high excess mortality.
Among the known causes of aircraft disasters, sabotage is perhaps the most terrifying and difficult to comprehend. Bombs have been exploded in at least 34 commercial aircraft, with the resultant loss of more than 300 lives. Motives for these acts include profit, the deaths of certain persons, and politics. On November 1, 1955, United Airlines Flight 629, bound to Denver-Portland, exploded and burned in flight near Longmont, Colorado, a few minutes after takeoff, with the loss of all 44 on board. Investigation revealed that the plane had been destroyed by the explosion of a bomb that had been placed in the rear luggage hold in Denver. Twelve days after the disaster, John Gilbert Graham, the son of one of the female passengers, was arrested and charged with murder. He reportedly admitted placing a time bomb on board the aircraft, apparently in order to collect $37,500.00 in life insurance that he had taken on his mother's life. Though he soon recanted, he was convicted of murder and was executed. The potential for additional such crimes remains.