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The Effect Of The 1918 Influenza Pandemic On U.S. Life Insurance Holdings, Dr. Joanna Short 2019 Augustana College, Rock Island Illinois

The Effect Of The 1918 Influenza Pandemic On U.S. Life Insurance Holdings, Dr. Joanna Short

Economics: Faculty Scholarship & Creative Works

This paper examines the effect of a sharp rise in mortality, the 1918 influenza epidemic, on life insurance holdings in the U.S. The BLS Cost of Living Surveys of 1918-1919 provide a unique opportunity to examine the effect of the pandemic—some households were surveyed before, and others during or shortly after the worst of the influenza outbreak. In addition, I use state-level insurance sales data to compare the increase in spending on insurance in states particularly hard hit by the epidemic, relative to those that were not. I find some evidence that, in the immediate aftermath of the ...


Un Préstamo Personal Para Financiar Un Gasto Repentino, Pagares Creditos 2019 Bryant University

Un Préstamo Personal Para Financiar Un Gasto Repentino, Pagares Creditos

Pagares Creditos

De vez en cuando, la vida te muestra lo impredecible que puede ser. Tienes un gasto repentino para el que no estabas preparado. Necesitas mucho dinero lo antes posible.
¿Es un préstamo personal la respuesta que necesita? ¿O debería buscar un préstamo sin verificación de crédito ? ¿Cómo puede asegurarse de que está haciendo la mejor elección?
Las respuestas a estas preguntas son diferentes para todos. Y encontrarás el tuyo en la guía a continuación.
Hay 9 preguntas personales esenciales que hacer antes de solicitar un préstamo personal o un préstamo rápido sin verificación de crédito . Haga estas preguntas para averiguar ...


Experiences With The Veterans' Choice Program, Kevin T. Stroupe, Rachael Martinez, Timothy P. Hogan, Elisa J. Gordon, Beverly Gonzalez, Ibuola Kale, Chad Osteen, Elizabeth Tarlov, Frances M. Weaver, Denise M. Hynes, Bridget M. Smith 2019 Loyola University

Experiences With The Veterans' Choice Program, Kevin T. Stroupe, Rachael Martinez, Timothy P. Hogan, Elisa J. Gordon, Beverly Gonzalez, Ibuola Kale, Chad Osteen, Elizabeth Tarlov, Frances M. Weaver, Denise M. Hynes, Bridget M. Smith

Population and Quantitative Health Sciences Publications

BACKGROUND: To address concerns about Veterans' access to care at US Department of Veterans Affairs (VA) healthcare facilities, the Veterans Access, Choice, and Accountability Act was enacted to facilitate Veterans' access to care in non-VA settings, resulting in the "Veterans Choice Program" (VCP).

OBJECTIVES: To assess the characteristics of Veterans who used or planned to use the VCP, reasons for using or planning to use the VCP, and experiences with the VCP.

DESIGN: Mixed-methods.

SUBJECTS: After sampling Veterans in the Midwest census region receiving care at VA healthcare facilities, we included 4521 Veterans in the analyses. Of these, 60 Veterans ...


Best Practices For Member Outreach And Engagement: How Effective Acos Build Understanding And Respect, Jessica Carpenter, Jocelyn Gordon 2019 University of Massachusetts Medical School

Best Practices For Member Outreach And Engagement: How Effective Acos Build Understanding And Respect, Jessica Carpenter, Jocelyn Gordon

Commonwealth Medicine Publications

Targeted strategies and sustained efforts at member outreach and engagement are helping Accountable Care Organizations (ACOs) and their Community Partners (CPs) achieve their shared goals for delivering patient-centered care. The most successful organizations focus on activities designed to create a stronger connection with their members, building trust and a better understanding of individuals’ characteristics and care needs. Positive results of these efforts include successful person-centered care planning, improved compliance with care plans and prescriptions, and implementation of recommended lifestyle changes — changes that help support independent living, reduce medical costs and complications, and drive improvements in member satisfaction.


University Of Massachusetts Medical School Report To Minnesota Department Of Human Services Health And Incarceration Project, Katharine London, Jeremy Tourish 2019 University of Massachusetts Medical School

University Of Massachusetts Medical School Report To Minnesota Department Of Human Services Health And Incarceration Project, Katharine London, Jeremy Tourish

Commonwealth Medicine Publications

On behalf of the Minnesota Department of Health Services, Health Law & Policy experts from our Public and Private Health Solutions group completed a literature review of successful efforts to improve the health of previously incarcerated individuals. In addition, our experts conducted five focus groups to obtain recommendations from experienced professionals who work directly with previously incarcerated individuals regarding interventions likely to improve the health of this unique population.

This study came about at the direction of Minnesota Legislature. They were interested in developing a methodology for paying higher rates to health care providers who provide services to high cost and ...


Time Series Analysis: Forecasting Treasury Bill Interest Rates, Nadine P. Innes 2019 Murray State University

Time Series Analysis: Forecasting Treasury Bill Interest Rates, Nadine P. Innes

Honors College Theses

A Treasury Bill is a short-term investment typically with a maturity date of 12 months or less that is backed by the Treasury Department of the United States government. Rates of return for Treasury Bills are constantly changing over time due to the constant change of demand from borrowers and supply from lenders. This study seeks to forecast treasury bill rates that mature in 3 months. Since actuaries employ their knowledge of mathematics and statistical methods to analyze the likelihood of future events and their possible financial repercussions, having a projection of future treasury bill rates can provide guidance to ...


Valuation And Risk Management Of Some Longevity And P&C Insurance Products, Yixing Zhao 2019 The University of Western Ontario

Valuation And Risk Management Of Some Longevity And P&C Insurance Products, Yixing Zhao

Electronic Thesis and Dissertation Repository

Numerous insurance products linked to risky assets have emerged rapidly in the last couple of decades. These products have option-embedded features and typically involve at least two risk factors, namely interest and mortality risks. The need for models to capture risk factors' behaviours accurately is enormous and critical for insurance companies. The primary objective of this thesis is to develop pricing and hedging frameworks for option-embedded longevity products addressing correlated risk factors. Various methods are employed to facilitate the computation of prices and risk measures of longevity products including those with maturity benefits. Furthermore, in order to be prepared for ...


Autism Spectrum Disorder: Solutions For Improved Care, Virginia Richmond 2019 Germanna Community College

Autism Spectrum Disorder: Solutions For Improved Care, Virginia Richmond

Student Writing

Children that are on the Autism Spectrum are suffering every day because they aren’t receiving the care and treatments that are necessary to thrive in adulthood. Caregivers to those on the spectrum are not handling the stressors of parenting those on the spectrum correctly. Implementing self-care techniques for themselves will have a positive impact on the child. Savant skills and obsessions are a common trait in those with autism, and if these are encouraged and guided, it may lay the foundation for a successful career in the future. It is important that the child have a mentor that can ...


Alpha Insurance: A Predictive Analytics Case To Analyze Automobile Insurance Fraud Using Sas Enterprise Miner (Tm), Richard McCarthy, Wendy Ceccucci, Mary McCarthy, Leila Halawi 2019 Quinnipiac University

Alpha Insurance: A Predictive Analytics Case To Analyze Automobile Insurance Fraud Using Sas Enterprise Miner (Tm), Richard Mccarthy, Wendy Ceccucci, Mary Mccarthy, Leila Halawi

Publications

Automobile Insurance fraud costs the insurance industry billions of dollars annually. This case study addresses claim fraud based on data extracted from Alpha Insurance’s automobile claim database. Students are provided the business problem and data sets. Initially, the students are required to develop their hypotheses and analyze the data. This includes identification of any missing or inaccurate data values and outliers as well as evaluation of the 22 variables. Next students will develop and optimize their predictive models using five techniques: regression, decision tree, neural network, gradient boosting, and ensemble. Then students will determine which model is the best ...


Optimal Social Insurance With Informal Child Care, Christine HO 2019 Singapore Management University

Optimal Social Insurance With Informal Child Care, Christine Ho

Research Collection School Of Economics

The possibility of engaging in household child care may exacerbate the incentives of parents and grandparents to falsely claim disability benefits as households also get to save on formal child care costs. This paper considers a multi-generational family model with persistence in privately observed shocks and presents an efficient implementation case for subsidizing formal child care costs of the disabled. An implementation of the optimal scheme that consists of capped formal day care subsidies, non-linear income taxation and asset-testing is proposed. Simulations based on a parametrization that targets key features of the US labor and child care markets suggest that ...


Payment Reform For Kids, Robert W. Seifert 2019 University of Massachusett Medical School

Payment Reform For Kids, Robert W. Seifert

Commonwealth Medicine Publications

Comprehensive care for children – including greater attention to behavioral health, socio-emotional development, and strong family relationships – may hold the key to lifelong health and well-being. With this premise, a group in Connecticut has just published recommendations for improving pediatric primary care through payment reform.


Lowering Out Of Pocket Drug Costs For Consumers, Mylissa K. Price 2019 University of Massachusetts Medical School

Lowering Out Of Pocket Drug Costs For Consumers, Mylissa K. Price

Commonwealth Medicine Publications

Prohibiting gag clauses could help lower consumer out-of-pocket pharmacy costs - if Pharmacy Benefits Managers don't raise prices to make-up the difference. Mylissa Price closes our blog series on President Trump's Blueprint to Lower Drug Costs in this final entry.


Industry Spotlight: Medical Devices, Evan D. Poff 2019 Brigham Young University

Industry Spotlight: Medical Devices, Evan D. Poff

Marriott Student Review

Medical devices restore and even redefine health. This Industry Spotlight examines pre-market barriers, medtech business model quirks, current and future developments in the field, and the present-day move to value-based care in the medical device industry.


Improving Vix Futures Forecasts Using Machine Learning Methods, James Hosker, Slobodan Djurdjevic, Hieu Nguyen, Robert Slater 2019 Southern Methodist University

Improving Vix Futures Forecasts Using Machine Learning Methods, James Hosker, Slobodan Djurdjevic, Hieu Nguyen, Robert Slater

SMU Data Science Review

The problem of forecasting market volatility is a difficult task for most fund managers. Volatility forecasts are used for risk management, alpha (risk) trading, and the reduction of trading friction. Improving the forecasts of future market volatility assists fund managers in adding or reducing risk in their portfolios as well as in increasing hedges to protect their portfolios in anticipation of a market sell-off event. Our analysis compares three existing financial models that forecast future market volatility using the Chicago Board Options Exchange Volatility Index (VIX) to six machine/deep learning supervised regression methods. This analysis determines which models provide ...


Deciphering State Medicaid Programs, Rachel Gershon 2019 University of Massachusetts Medical School

Deciphering State Medicaid Programs, Rachel Gershon

Commonwealth Medicine Publications

State Medicaid programs vary substantially from one another. For members, researchers, policymakers, and advocates trying to decipher a state’s Medicaid program, this variation can be a source of frustration, because the details of this variation can be hard to locate.


Life Expectancies Comparison For Life Equity, Cynthia Haas 2019 The University of Akron

Life Expectancies Comparison For Life Equity, Cynthia Haas

Williams Honors College, Honors Research Projects

There is an industry which purchases whole life policies from individuals who no longer seek protection from debts or providing financial support for others after death. That industry usually offers a price above the surrender value of the policy, yet expects the individual will expire relatively soon resulting in a financial gain. Life Equity is a small company offering to purchase such policies. As a smaller company, they rely on third party underwriter’s life expectancies reports to determine the valuation for a individual policy on which to offer a purchase price. The objective of the project is to determine ...


How Liability Insurers Protect Patients And Improve Safety, Tom Baker, Charles Silver 2019 University of Pennsylvania Law School

How Liability Insurers Protect Patients And Improve Safety, Tom Baker, Charles Silver

Faculty Scholarship at Penn Law

Forty years after the publication of the first systematic study of adverse medical events, there is greater access to information about adverse medical events and increasingly widespread acceptance of the view that patient safety requires more than vigilance by well-intentioned medical professionals. In this essay, we describe some of the ways that medical liability insurance organizations contributed to this transformation, and we catalog the roles that those organizations play in promoting patient safety today. Whether liability insurance in fact discourages providers from improving safety or encourages them to protect patients from avoidable harms is an empirical question that a survey ...


Will Removing Rebates Really Lower Drug List Prices?, Stephanie Tran 2018 University of Massachusetts Medical School

Will Removing Rebates Really Lower Drug List Prices?, Stephanie Tran

Commonwealth Medicine Publications

The Trump Administration Blueprint to Lower Drug Prices and Reduce Out-of-Pocket Costs calls for incentives to lower drug list prices, including removing rebates. Our clinical consultant Stephanie Tran continues our pharmacy blog series with an assessment of this potential change & its impacts.


New Aca Waiver Directives Signal Changes For State Health Insurance Marketplaces, Rachel Gershon, Catherine Torri 2018 University of Massachusetts Medical School

New Aca Waiver Directives Signal Changes For State Health Insurance Marketplaces, Rachel Gershon, Catherine Torri

Commonwealth Medicine Publications

New Trump Administrations Section 1332 waiver guidance increases state ACA flexibility. Rachel Gershon & Catie Torri discuss what this could mean for health care policy.


Better Negotiations Between Payers And Manufacturers In An Effort To Reduce Drug Prices, Mckenzie Taylor 2018 University of Massachusetts Medical School

Better Negotiations Between Payers And Manufacturers In An Effort To Reduce Drug Prices, Mckenzie Taylor

Commonwealth Medicine Publications

Mckenzie Taylor continues our monthly conversation on the strategies presented in The Trump Administration Blueprint to Low Drug Prices and Reduce Out-of-Pocket Costs, discussing the ways new negotiations between payers and manufacturers are helping to reduce drug prices.


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