To Tell the Truth: Applicant Nondisclosure of Obesity and HIV and Hepatitis C
Applicants’ self-disclosed Human Immunodeficiency Virus (HIV) and hepatitis C virus (HCV) status as well as body mass index (BMI) are important risk factors for morbidity and mortality in both accelerated and traditional (full) underwriting processes. In combination with self-disclosed smoking and medical history (diabetes, hypertension, heart failure, high cholesterol), which was discussed in a previous issue of Contingencies, these conditions constitute a majority of the leading medical inputs to the risk-assessment process.
Obesity Trends Threaten Continued Mortality Improvements
The United States has enjoyed a trend of steadily improving age-adjusted population mortality over the past 80 years. However, two epidemics, obesity and opioid drug abuse, are threatening the extension of that trend. This issue of Housecalls addresses some aspects of the obesity epidemic.
Excess Weight May Not Equal Early Mortality After All
The body mass index (BMI) linked to the lowest rate of all-cause early mortality is rising, according to a study published in the May 10 issue of the Journal of the American Medical Association.
Bariatric Surgery – Cure-all for Serious Obesity?
The global trend for obesity has been accompanied by an increased interest in bariatric surgery. The impact of bariatric surgery can be impressive: after the operation, patients lose weight rapidly and, over time, associated conditions such as impaired glucose tolerance (including type 2 diabetes) and mild hypertension may no longer be evident. But how sustainable are the treatment results and what do they mean for risk analysis in life and disability insurance?
High Body Fat Can Be Dangerous Even with Normal BMI
MI (body mass index), which measures a person’s height in relation to weight, fails to capture a true picture of health, according to a new study released the by Annals of Internal Medicine, and is incomplete as a method of determining risk factors for heart disease, diabetes and other chronic conditions.
Central Obesity Is Hazardous, Even at a Normal Weight
Research suggests BMI insufficient for assessing health risks.
NAFLD and Obesity: What Is the Mortality Risk?
Non-alcoholic fatty liver disease (NAFLD) was highly prevalent in morbidly obese patients who underwent weight loss surgery even when those patients didn't have metabolic syndrome, according to researchers here.
Fat, BMI and Preferred Programs: A Good Mix?
Life insurers adopted the Body Mass Index (BMI) in the 1980s to help determine an applicant’s weight class. According to the World Health Organization, an individual with a BMI of 30 or more is obese; if their BMI is over 40, the person is morbidly obese.
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The Obese-Asthma Phenotype
Obesity – a well-recognized risk factor for diabetes, coronary artery disease, as well a few cancers – is also an important risk factor for asthma. It can present itself as a distinct asthma phenotype. Obese-asthmatics are likely to present with additional morbidity costs in terms of increased health care utilization, significant loss of working days and an overall poorer quality of life. This article discusses this phenotype, and explains the pathophysiological mechanism and impact of this on morbidity, disability and health care utilization in obese-asthmatic individuals.
Why Surgery Isn't Always a Silver Bullet for Obesity
Obesity is both preventable and reversible. But for those whose weight has spiralled out of control into severe obesity, controlling it and losing it through diet and exercise alone often proves ineffective.