Description: Presented at the Living to 100 Symposium, January 2011. This paper examines the relationship between the earliest stages of dementia—mild cognitive impairment—and mortality. Using data from long-term care insurance applicants, and linking this to the Social Security Master Death File, the authors focus on the classification results of two cognitive screens used at various times in the underwriting process. Applying the Cox Proportional Hazards Model as well as relative mortality ratio analysis, the authors show that the proportion of individuals classified as cognitively impaired have significantly higher relative mortality compared to those classified as cognitively intact.

Description: Chapter 2 analyzes, in table form, the study's claimant counts and charge totals, broken down by gender, age, diagnosis category, year, and by subscriber vs. dependent status. From Group Medical Insurance Large Claims Database Collection and Analysis, M-HB97-1.

Description: This study aims to answer the question of how much of an episode’s cost and use of specific services can be attributed to the patient’s own health status, as opposed to being driven by other factors such as the care setting, patient preference, and provider practice patterns. In other words, do episode costs vary so widely because of patient characteristics, including health status, or are they related to other, nonclinical factors?

Description: In this third phase, Sibson interviewed three researchers and actuarial modelers. The objectives of the interviews were to gain perspective on the conceptual model, model alternatives, methodology, and data sources.

Description: An analysis of prescription drug use in the Kansas individual market

Description: This report presents the results of a study comparing health risk scoring models.

Description: View the following report regarding Risk Scoring in Health Insurance: A Primer.

Description: Underwriting is one of several areas in the insurance industry being impacted by insurtech. In this session, we will hear from experienced experts in underwriting transformation. Digitization, machine learning and other approaches are among topics to be discussed.

Description: Author reply to Jay Olshansky’s discussion of “Health Expectancy” paper and reply from authors Faye Albert, John Bragg and Jason Brooks.

Description: An interview with Jim Toole, lead researcher for SOA's pandemic research project. The project examines pandemic influenza and its implications to the life and health insurance industry.