Identifying depression is critical to minimizing patient distress, but despite treatment advances, excess mortality persists, says RGA's Akhilesh Pandey. He discusses the disease process, treatment and prognosis, and underwriting implications in On the Risk, the Journal of the Academy of Life Underwriters.
So how can we underwrite these cases better? How can we reach fair decisions quickly and efficiently?
The release of the latest edition of the Diagnostic and Statistical Manual of Mental Disorders (DSM-5), a manual edited by the American Psychiatric Association, led to an outcry from many experts who felt the diagnostic tool labelled everyday problems as mental health disorders.