壽險公司是一探打針死亡的另一管道

美國一家百年壽險公司發現死亡率增加創史上新高

台灣壽險業是否也看出什麼異狀

美國位於印第安納州的百年壽險公司One America負責人表示，死亡率比疫情前增加40%，年齡都是職場主力的年齡層。

該公司執行長戴維森說 

此刻我們正看到史上未曾有過的最高死亡率，不只One America一家公司看到，整個保險業界每一家公司都看到。

OneAmerica是一家市值1000億美元的保險公司，成立於1877 年，總部在印第安納波利斯。員工大約 2,400 名，主要產品有壽險，團體壽險。

執行長戴維森表示，死亡人數增加是個巨大巨大的數字，而且死亡的不是老年人，而是18到64歲的職場主力，他們都是雇主買One America團體險受益的員工。

我們看到的是到第三季的情況，會持續到第四季，死亡率比新冠疫情之前增加 40%。

只是給大家一個感覺情況有多糟，如果有個200年一遇的災難，會比新冠疫情前多增加個10%，但40%是前所未聞的。

這些話是戴維森在12月30日該州商界虛擬會議上提出的。

而且大多數的死亡索賠不是歸類在新冠染疫死亡。

報導常說新冠染疫死亡被低估，但是死亡證明卻不全是新冠染疫死亡，這樣的例子增加非常多非常之多。

同時也看到傷殘的索賠增加，剛開始是短期傷殘索賠，後來增加的是長期傷殘索賠。

對於OneAmerica公司，索賠預計要花超過一億美元的成本。這佔我們業務最小的部分卻有著巨大的影響。

他說，成本將轉嫁到買團體險的雇主，他們得支付更高的保費。

疾管局每週的死亡人數反映死亡證明的訊息，但這中間有長達8週或更長的時間差(稍後校正回歸?)。

這些人都是正值工作年齡的人，他們的雇主幫他們保團體壽險。

同一場虛擬會議還有印第安納州醫院協會的主席布賴恩塔博爾說，全州的醫院都擠滿了各種病況的患者，不幸的是，印第安納州在疫情期間平均健康都往下坡。

不過他沒有進一步的分佈情形能看出為何該州那麼多人住院，是因為什麼狀況？什麼病情？但他在醫院所看到的狀況呼應保險公司執行長所說的高死亡率。

對我來說證實了我們在前線看到的東西。

該州住院人數比疫苗引進之前高，事實上，比過去五年都高。印第安納州首席醫療官 Lindsay Weaver說。

該州醫院僅剩8.9%的加護病床可用，這是今年的最低，甚至低於疫情期間任何時候。而且加護病房的患者只有

37%是新冠染疫者，

54%是其他病況住進來。

資料出處

https://justthenews.com/nation/states/indiana-life-insurance-ceo-says-deaths-are-40-among-people-ages-18-64?s=09

影片出處

https://t.me/TaiwanVAERreport/129896

The head of OneAmerica insurance said the death rate is up a stunning 40% from pre-pandemic levels among working-age people.

“We are seeing, right now, the highest death rates we have seen in the history of this business – not just at OneAmerica,” the company’s CEO Scott Davison said during an online news conference this week. “The data is consistent across every player in that business.”

OneAmerica is a $100 billion insurance company that has had its headquarters in Indianapolis since 1877. The company has approximately 2,400 employees and sells life insurance, including group life insurance to employers in the state.

Davison said the increase in deaths represents “huge, huge numbers,” and that’s it’s not elderly people who are dying, but “primarily working-age people 18 to 64” who are the employees of companies that have group life insurance plans through OneAmerica.

“And what we saw just in third quarter, we’re seeing it continue into fourth quarter, is that death rates are up 40% over what they were pre-pandemic,” he said.

“Just to give you an idea of how bad that is, a three-sigma or a one-in-200-year catastrophe would be 10% increase over pre-pandemic,” he said. “So 40% is just unheard of.”

Davison was one of several business leaders who spoke during the virtual news conference on Dec. 30 that was organized by the Indiana Chamber of Commerce.

Most of the claims for deaths being filed are not classified as COVID-19 deaths, Davison said.

“What the data is showing to us is that the deaths that are being reported as COVID deaths greatly understate the actual death losses among working-age people from the pandemic. It may not all be COVID on their death certificate, but deaths are up just huge, huge numbers.”

He said at the same time, the company is seeing an “uptick” in disability claims, saying at first it was short-term disability claims, and now the increase is in long-term disability claims.

“For OneAmerica, we expect the costs of this are going to be well over $100 million, and this is our smallest business. So it’s having a huge impact on that,” he said.

He said the costs will be passed on to employers purchasing group life insurance policies, who will have to pay higher premiums.

The CDC weekly death counts, which reflect the information on death certificates and so have a lag of up to eight weeks or longer, show that for the week ending Nov. 6, there were far fewer deaths from COVID-19 in Indiana compared to a year ago – 195 verses 336 – but more deaths from other causes – 1,350 versus 1,319.

These deaths were for people of all ages, however, while the information referenced by Davison was for working-age people who are employees of businesses with group life insurance policies.

At the same news conference where Davison spoke, Brian Tabor, the president of the Indiana Hospital Association, said that hospitals across the state are being flooded with patients “with many different conditions,” saying “unfortunately, the average Hoosiers’ health has declined during the pandemic.”

In a follow-up call, he said he did not have a breakdown showing why so many people in the state are being hospitalized – for what conditions or ailments. But he said the extraordinarily high death rate quoted by Davison matched what hospitals in the state are seeing.

"What it confirmed for me is it bore out what were seeing on the front end,..." he said.

The number of hospitalizations in the state is now higher than before the COVID-19 vaccine was introduced a year ago, and in fact is higher than it’s been in the past five years, Dr. Lindsay Weaver, Indiana’s chief medical officer, said at a news conference with Gov. Eric Holcomb on Wednesday.

Just 8.9% of ICU beds are available at hospitals in the state, a low for the year, and lower than at any time during the pandemic. But the majority of ICU beds are not taken up by COVID-19 patients – just 37% are, while 54% of the ICU beds are being occupied by people with other illnesses or conditions.

The states online dashboard shows that the moving average of daily deaths from COVID-19 is less than half of what it was a year ago. At the pandemics peak a year ago, 125 people died on one day – on Dec. 29, 2020. In the last three months, the highest number of deaths in one day was 58, on Dec. 13.