Lemaire, Jean

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Now showing 1 - 3 of 3
  • Publication
    The Effect of Firearm Deaths on Life Expectancy and Insurance Premiums in the United States
    (2005-10-27) Lemaire, Jean
    Despite recent gains, the U.S. remains behind most other affluent countries in life expectancy. Even within the U.S., the gap between the life expectancies of Caucasians and African-Americans remains significant. At the same time, firearm deaths in the U.S. far exceed peer nations, and disproportionately affect African-American males. In this Issue Brief, Dr. Lemaire explores whether deaths from firearms explain some of these international and racial disparities in life expectancy. He uses actuarial techniques to calculate the “cost” of firearm deaths in the U.S., both in terms of reduced life expectancy and increased life insurance premiums.
  • Publication
    Years of Life Lost Because of Gunshot Injury to the Brain and Spinal Cord
    (2008-08-01) Richmond, Therese S; Lemaire, Jean
    Objective: A recent study (Lemaire) estimated the life expectancy loss attributable to gun deaths at 103.6 days for the overall U.S. population: 150.7 days for white males and 361.5 days for black males. This study estimates the life expectancy loss attributable to the premature death of individuals who initially survived gun-related traumatic brain injury (TBI) and spinal cord injury (SCI) in the United States. Design: Interpersonal TBI data were drawn from a surveillance system, and self-inflicted TBI data were obtained from the Web-based Injury Statistics and Reporting System. SCI data were obtained from a national database. Multiple decrement analysis was used to calculate the days of life lost to gunshot wounds to the brain and spinal cord, by race and gender, in the United States. Results: On average, across age, gender, and race, life expectancy in the United States is reduced by 3.1 days because of the shorter lifespan for individuals who survive an initial gunshot wound to the brain or spinal cord. Black males bear a disproportionate burden, losing 9.5 days, whereas white males lose 4.6 days. Black and white females lose 1.5 and 1.0 days, respectively. Conclusions: We add these findings to the Lemaire study, resulting in a total of 106.7 days of life expectancy loss from gunshot wounds for the U.S. population, with 371.0 days of life lost for black males.
  • Publication
    Genetic Testing for Breast and Ovarian Cancer: Implications for Life Insurance
    (2000-03-21) Lemaire, Jean; Asch, David A; Subramanian, Krupa
    As the science of genetic testing progresses, the debate surrounding the uses of genetic information intensifies. In February, President Clinton signed an executive order prohibiting federal agencies from using such information to make hiring, promotion, or placement decisions. Concerns about privacy and discrimination have led many states to propose or enact statutes that prohibit health insurers from using genetic test results in their underwriting decisions. However, few statutes address access to these results by the life insurance industry. This Issue Brief summarizes the current debate on whether life insurers should have access to genetic testing information for breast and ovarian cancer, and provides actuarial insight into the potential effect of such testing on the voluntary term insurance market.