Opioid Epidemic – How Did We Get Here?
This paper seeks to understand the unique set of circumstances that led to the dramatic rise in opioid prescriptions over the last few decades, and provide a brief overview of the resultant morbidity and mortality for the insured population.
Sepsis Mortality and Morbidity Trends – An Insurance Perspective
RGA’s Dr. Daniel Zimmerman answers questions on sepsis development and mortality trends.
HIV Infection: Ageing, Inflammation and Comorbidities (SCOR inFORM)
From the end of the 2000s, after the introduction of the first antiretroviral therapies (ART), it became clear that the benefits of these treatments were considerably greater than their side effects, especially when introduced early. The recommendation at present is to begin treatment with ART as soon as CD4 T-cell count falls below the normal level of 500/mm3.
Zika Virus: The Insurance Perspective
This article is intended to provide essential background information on the Zika virus in order to assist insurers’ understanding and risk assessment of the situation. Insurers must continually stay abreast of these risks and rapidly assess the potential impact on morbidity and mortality – often with only preliminary scientific or actuarial data.
Mental Health & Psychiatric Conditions (SCOR Global Life)
At the present time, in the world mental illness represents the 5th leading cause of mortality and disability and the 3rd leading cause of sick leave and invalidity. 400 million people are affected by mental or neurological disorders, or suffer from psychosocial problems.
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.
Marijuana: Not Just Blowing Smoke (RGA)
As more governments liberalize cannabis regulations, the mortality and morbidity impacts of this drug as well as its potential benefits when used for medicinal purposes will be of great interest to the insurance industry. This research presents statistics on marijuana use and the results of several studies on its effects.