Actuarial Analysis

  • 文章类型: Journal Article
    背景:肝移植是治疗终末期肝病的金标准。本研究通过在巢式病例对照研究中量化标准化死亡率来评估与普通人群相比的移植后存活率。
    方法:对照来自国家纵向死亡率研究的非制度化美国居民。从1990年到2007年,通过器官采购和移植网络数据库确定了接受肝移植的病例。倾向匹配(5:1,最近邻,卡尺0.1)根据年龄确定的控制,性别,种族,和国家。主要终点是10年生存率。
    结果:62,788例与313,381例对照匹配。总体标准化死亡率为2.46(95%CI=2.44-2.48)。男性的标准化死亡率较高(2.59vs.2.25)和西班牙裔患者(4.80)。年轻患者和早期移植患者(1990-1995年)的标准化死亡率较高。
    结论:肝脏受者的标准化死亡率比一般人群高2.46倍。长期死亡率随着时间的推移而下降。
    BACKGROUND: Liver transplantation is the gold standard treatment for end-stage liver disease. This study evaluates post-transplantation survival compared with the general population by quantifying standardized mortality ratios in a nested case-control study.
    METHODS: Controls were noninstitutionalized United States inhabitants from the National Longitudinal Mortality Study. Cases underwent liver transplantation from 1990 to 2007 identified through the Organ Procurement and Transplantation Network database. Propensity matching (5:1, nearest neighbor, caliper 0.1) identified controls based on age, sex, race, and state. The primary endpoint was 10-year survival.
    RESULTS: 62,788 cases were matched to 313,381 controls. The overall standardized mortality ratio was 2.46 (95% CI ​= ​2.44-2.48). The standardized mortality ratio was higher for males (2.59 vs. 2.25) and Hispanic patients (4.80). Younger patients and those transplanted earlier (1990-1995) had higher standardized mortality ratios.
    CONCLUSIONS: Liver recipients have a standardized mortality ratio 2.46 times higher than the general population. Long-term mortality has declined over time.
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  • 文章类型: Journal Article
    法医临床医生经常被要求帮助法院确定某人将来继续实施性暴力行为的可能性。这些评估的效用在很大程度上取决于结果如何有效地传达给事实专家并被其理解。精算结果,比如性犯罪风险评估中常见的报告,对于外行人来说,理解起来尤其具有挑战性。使用206名美国成年人的代表性样本,本研究通过模拟专家证词对参与者对假设评估者的性再犯罪风险进行评级,研究了三种沟通精算风险的方法.结果表明,所有参与者,不管结果是如何传达的,相对于专家的概率发现,高估了考生的风险水平,但倾向于同意专家的明确预测。仅获得精算数据的参与者一致认为被评估者更危险,并且可能在未来发生性暴力行为。此外,研究发现,性别对参与者的看法有显著影响,这样,妇女发现被评估者更危险,并希望与他有更大的社会距离。这项研究对涉及性暴力案件的精算结果的专家交流的最佳做法具有影响。
    Forensic clinicians are often called upon to help courts determine the likelihood that someone will continue to commit sexually violent acts in the future. The utility of these evaluations depends largely on how effectively the results are communicated to and understood by the trier of fact. Actuarial results, such as those commonly reported in sexual offense risk assessments, appear particularly challenging for laypersons to understand. Using a representative sample of 206 U.S. adults, this study examines three methods of communicating actuarial risk via simulated expert testimony on participants\' ratings of a hypothetical evaluee\'s risk of sexual re-offending. The results suggested that all participants, regardless of how results were communicated, over-estimated the examinee\'s risk level relative to the expert\'s probabilistic findings, but tended to agree with the expert\'s categorical predictions. Participants who were only shown actuarial data consistently rated the evaluee as more dangerous and likely to commit future sexually violent acts. Additionally, it was found that gender significantly impacted participants\' perceptions, such that women found the evaluee more dangerousness and desired greater social distance from him. This study has implications for best practices regarding expert communication of actuarial results in cases involving sexual violence.
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  • 文章类型: Journal Article
    BACKGROUND: Actuarial and statistical methods have been proposed as alternatives to conventional methods of diagnosing mild cognitive impairment (MCI), with the aim of enhancing diagnostic and prognostic validity, but have not been compared in racially diverse samples.
    OBJECTIVE: We compared the agreement of consensus, actuarial, and statistical MCI diagnostic methods, and their relationship to race and prognostic indicators among diverse older adults.
    METHODS: Participants (N = 354; M age = 71; 68% White, 29% Black) were diagnosed with MCI or normal cognition (NC) according to clinical consensus, actuarial neuropsychological criteria (Jak/Bondi), and latent class analysis (LCA). We examined associations with race/ethnicity, longitudinal cognitive and functional change, and incident dementia.
    RESULTS: MCI rates by consensus, actuarial criteria, and LCA were 44%, 53%, and 41%, respectively. LCA identified three MCI subtypes (memory; memory/language; memory/executive) and two NC classes (low normal; high normal). Diagnostic agreement was substantial, but agreement of the actuarial method with consensus and LCA was weaker than the agreement between consensus and LCA. Among cases classified as MCI by actuarial criteria only, Black participants were over-represented, and outcomes were generally similar to those of NC participants. Consensus diagnoses best predicted longitudinal outcomes overall, whereas actuarial diagnoses best predicted longitudinal functional change among Black participants.
    CONCLUSIONS: Consensus diagnoses optimize specificity in predicting dementia, but among Black older adults, actuarial diagnoses may be more sensitive to early signs of decline. Results highlight the need for cross-cultural validity in MCI diagnosis and should be explored in community- and population-based samples.
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  • 文章类型: Journal Article
    Objective: The purpose of this study was to develop new 10-year recidivism rate norms as well as to update 5-year norms for the Static-99R risk tool for routine/complete samples. We also present the extrapolated sexual recidivism rates from these new 10-year norms for follow-up periods of 11 to 20 years. Hypotheses: We hypothesized that absolute-recidivism base rates (B02; i.e., the intercept centered on the median score of 2) would vary; however, the relative predictive accuracy (i.e., discrimination; B1) would be stable across samples. In addition, compared with the estimated sexual recidivism rates with a fixed 5-year follow-up time, the estimated rates with a fixed 10-year follow-up time would be expected to be consistently higher across the Static-99R scores. Method: The current study included 12 independent samples (N = 7,224 for the 5-year recidivism rate norms; N = 1,599 [k = 6] for the 10-year norms) classified as routine/complete samples, that is, relatively random samples from a correctional system. Logistic regression parameters (B02 and B1) across the studies were aggregated using fixed-effect meta-analyses. Results: There was statistically significant variability in the base rates (B02), whereas the between-sample variability in the relative-risk parameters (B1) was no more than would be expected by chance. As expected, the 10-year base rates were approximately 1.5 times higher than the 5-year base rates (7.20% vs. 4.58%), and the extrapolated 20-year sexual recidivism rates were approximately double the observed 5-year sexual recidivism rates. Conclusions: The current study provides empirical evidence to estimate 5- and 10-year sexual recidivism rates based on Static-99R total scores. Evaluators who are especially concerned about long-term sexual recidivism risk (e.g., civil commitment) can report the expected sexual recidivism risk based on the new 10-year norms and the extrapolated sexual recidivism rates for follow-up periods of 11 to 20 years. (PsycInfo Database Record (c) 2021 APA, all rights reserved).
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  • 文章类型: Journal Article
    在快速城市化和工业化的背景下,国内移民是否会改善中国养老金制度的财政可持续性,现有研究很少。在本文中,通过构建精算和计量经济模型,系统考察了移民对城镇职工养老保险偿付能力的影响。我们使用2002年至2018年的面板数据,收集了中国31个省份。结果表明,在城市化进程中,移民与养老金偿付能力之间的关联呈倒U形。进一步的区域比较表明,上述倒U型曲线在中西部地区更为明显。我们还确定,参与者人数和捐款基数是这些结果的主要贡献者。我们的结论对中国未来的人口政策和公共养老金制度具有重要意义。
    There are a few existing studies on whether domestic migration improves China\'s pension system\'s fiscal sustainability in the context of rapid urbanization and industrialization. In this paper, we systematically investigate the impact of migration on the solvency of the worker\'s old-age insurance for urban employees by constructing actuarial and econometric models. We use panel data from 2002 to 2018, collected from 31 provinces in China. The results show that the association between migration and the solvency of pensions is an inverted-U shape along the urbanization process. Further regional comparison showed that the above-stated inverted-U curve is more pronounced in the central and western regions. We also established that the number of participants and the contribution base are the main contributors to these results. Our conclusions are important for future population policies and public pension systems in China.
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  • 文章类型: Journal Article
    Research suggests that actuarial neuropsychological criteria improve the accuracy of mild cognitive impairment (MCI) diagnoses relative to conventional diagnostic methods.
    We sought to examine the utility of actuarial criteria relative to consensus diagnostic methods used in the National Alzheimer\'s Coordinating Center (NACC) Uniform Data Set (UDS), and more broadly across the continuum of normal aging, MCI, and dementia.
    We compared rates of cognitively normal (CN), MCI, and dementia diagnoses at baseline using actuarial versus consensus diagnostic methods in 1524 individuals from the NACC UDS.
    Approximately one-third (33.59%) of individuals diagnosed as CN and more than one-fifth (22.03%) diagnosed with dementia based on consensus methods, met actuarial criteria for MCI. Many participants diagnosed with MCI via consensus methods also appeared to represent possible diagnostic errors. Notably, the CNa/CNc group (i.e., participants diagnosed as CN based on both actuarial [a] and consensus [c] criteria) had a lower proportion of apolipoprotein E ɛ4 carriers than the MCIa/MCIc group, which in turn had a lower proportion of ɛ4 carriers than the dementia (Dem)a/Demc group. Proportions of ɛ4 carriers were comparable between the CNa/CNc and CNa/MCIc, MCIa/MCIc and MCIa/CNc, MCIa/MCIc and MCIa/Demc, and Dema/Demc and Dema/MCIc groups. These results were largely consistent with diagnostic agreement/discrepancy group comparisons on neuropsychological performance.
    The present results extend previous findings and suggest that actuarial neuropsychological criteria may enhance diagnostic accuracy relative to consensus methods, and across the wider continuum of normal aging, MCI, and dementia. Findings have implications for both clinical practice and research.
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  • 文章类型: Journal Article
    To determine if subsidizing the cost of a food-based intervention for managing hyperlipidemia could be cost-effective under commercial insurance and/or Medicare coverage scenarios.
    A large number of patients eligible for pharmaceutical treatment of hyperlipidemia either cannot or will not use lipid lowering drugs, leaving them at increased cardiovascular risk. Lipid levels can be modified by diet, but food has never enjoyed covered benefit status. We evaluated the financial implications of providing insurance coverage for a specifically formulated suite of food products previously documented to yield statistically significant lipid reductions, using multiple product uptake and lipid impact scenarios in both commercially covered and Medicare-covered populations. Even after controlling for multiple confounders, we noted positive payback on subsidizing the cost of lipid-lowering foods under all scenarios. Addressing a root cause of hyperlipidemia by directly encouraging dietary modification provides a cost-effective alternative for cholesterol management, especially for statin intolerant or statin unwilling patients.
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  • 文章类型: Journal Article
    COVID-19的死亡率影响是该疾病影响的一个关键方面。通过传达预期寿命的不足以及死者的年龄概况,可以比死亡人数提供更大的洞察力。
    我们采用了按管辖权划分的美国COVID-19死亡数据,2020年2月1日至2020年7月11日期间的性别和年龄组。我们使用按性别和年龄的精算预期寿命表来估计YLL。
    我们估计,由于COVID-19死亡,大约有120万YL。前六个司法管辖区的YLL超过了其余43个司法管辖区的YLL。按人均计算,在全国范围内,女性YLL普遍高于男性YLL。
    我们的估计为COVID-19的影响提供了新的见解。我们对按地理和性别划分的YLL异质性率的发现突出了大流行影响程度的差异,这可能为有效的政策应对措施提供依据。
    The mortality effects of COVID-19 are a critical aspect of the disease\'s impact. Years of life lost (YLLs) can provide greater insight than the number of deaths by conveying the shortfall in life expectancy and thus the age profile of the decedents.
    We employed data regarding COVID-19 deaths in the USA by jurisdiction, gender and age group for the period 1 February 2020 through 11 July 2020. We used actuarial life expectancy tables by gender and age to estimate YLLs.
    We estimated roughly 1.2 million YLLs due to COVID-19 deaths. The YLLs for the top six jurisdictions exceeded those for the remaining 43. On a per-capita basis, female YLLs were generally higher than male YLLs throughout the country.
    Our estimates offer new insight into the effects of COVID-19. Our findings of heterogenous rates of YLLs by geography and gender highlight variation in the magnitude of the pandemic\'s effects that may inform effective policy responses.
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  • 文章类型: Journal Article
    Thoroughbred horse farm workers self-report a high frequency of work-related injuries and pain. However, an analysis of Thoroughbred horse farm workers\' compensation injury claims is absent from the literature, yet may benefit worker safety.
    We analyzed workers\' compensation insurance firm data containing 2276 claims filed between 2008 and 2015. Injury frequency, cost, and lost time per cause, nature, and body part injured were examined qualitatively and via univariate tests. Factors associated with high cost and high duration lost time claims were modeled via multivariable logistic regression.
    The average Thoroughbred worker claim cost $4,198 and accrued 10 days lost time, involving strikes (57% of total claims), sprains/strains (34%), and wrist/hand injuries (18%). Injuries primarily occurred on mornings (54%), weekdays (79%), and during the transition from breeding to sales (23%). Jobs with a high level of horse contact had significantly higher cost ($6,487) and higher duration lost time (16.8 days) claims, with significantly higher cost claims on the weekends ($6,471) and from the oldest workers ($7466), vs reference groups. Logistic models indicate significantly increased odds of a high-cost injury among high horse contact jobs (OR = 1.87; 95% C.I. = 1.53-2.29) and older age tertiles (1.38; 1.08-1.75; 1.70, 1.32-2.18). The odds of a high duration lost time injury are significantly increased among high horse contact jobs (1.91; 1.53-2.39) and males (1.50, 1.13-1.98), with significantly reduced odds among the most tenured workers (0.74; 0.56-0.99).
    Our findings elucidate factors to reduce injury frequency, cost, and lost time among Thoroughbred horse farm workers.
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  • 文章类型: Journal Article
    OBJECTIVE: Quality-adjusted life-years (QALYs) and disability-adjusted life-years (DALYs) are commonly used in cost-effectiveness analysis (CEA) to measure health benefits. We sought to quantify and explain differences between QALY- and DALY-based cost-effectiveness ratios, and explore whether using one versus the other would materially affect conclusions about an intervention\'s cost-effectiveness.
    METHODS: We identified CEAs using both QALYs and DALYs from the Tufts Medical Center CEA Registry and Global Health CEA Registry, with a supplemental search to ensure comprehensive literature coverage. We calculated absolute and relative differences between the QALY- and DALY-based ratios, and compared ratios to common benchmarks (e.g., 1× gross domestic product per capita). We converted reported costs into US dollars.
    RESULTS: Among eleven published CEAs reporting both QALYs and DALYs, seven focused on pharmaceuticals and infectious disease, and five were conducted in high-income countries. Four studies concluded that the intervention was \"dominant\" (cost-saving). Among the QALY- and DALY-based ratios reported from the remaining seven studies, absolute differences ranged from approximately $2 to $15,000 per unit of benefit, and relative differences from 6-120 percent, but most differences were modest in comparison with the ratio value itself. The values assigned to utility and disability weights explained most observed differences. In comparison with cost-effectiveness thresholds, conclusions were consistent regardless of the ratio type in ten of eleven cases.
    CONCLUSIONS: Our results suggest that although QALY- and DALY-based ratios for the same intervention can differ, differences tend to be modest and do not materially affect comparisons to common cost-effectiveness thresholds.
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