The sector needed to develop an atmosphere of trust, she said, by highlighting potential benefits and risks as well as setting out what companies, advisers, trustees and consumers could expect from the process.“We’re trying to make sure the document gives a fair and balanced view of medical underwriting compared to a conventional approach,” said Mike Edwards, head of product development at L&G in the bulk annuities business. “In some cases it would be the right thing to do in other cases it wouldn’t,” he said.One of the potential advantages of medical underwriting is that it might result in a lower premium, he said.But trustees and sponsors had raised concerns that if they did opt to have individual scheme members’ health and lifestyles assessed in order to set annuity prices, the price could end up being higher as well as lower than it would otherwise have been, he said.And once a scheme had made a detailed enquiry about medical underwriting, if it then decided not to go ahead with the deal, other bulk annuity providers might take this as a sign that the membership was in better-than-average health and decline to quote. Other firms behind the Good Practice Guide are CMS Cameron McKenna, Just Retirement, Law Debenture and LCP. Insurers and advisers in the UK pensions sector are putting together a guide for trustees and sponsors to help them decide whether or not to use medical underwriting when buying bulk annuities.JLT Employee Benefits, Partnership, Aviva, Hymans Robertson, Legal & General and others said they plan to produce a “robust guide for the industry”, which will aim to formalise and improve existing industry standards.The move has been prompted by the arrival of new insurers in the market, ready to look at the health and lifestyle characteristics of individual scheme members when setting premiums, the group said.Margaret Snowdon, director of JLT Employee Benefits, said: “With an increasing number of businesses keen to explore using medical underwriting as part of their de-risking strategy, now is the time for the industry to step up and develop a robust guide to ensure good practice.”
Girls: Elizabeth Weiler to 15th, Audrey Hall to 25th.Submitted by Batesville Coach TJ Greene. EIAC Swimming Championships at South Dearborn.Thomas Hatcher-Batesville: MVP of the EIAC for 2013-2014. Girls Team Results: Connersville 117; Greensburg 69; Batesville 54; South Dearborn 40; East Central 30; Lawrenceburg 17; Rushville 0.Batesville Girls are 13-5 on the season.Boys Team Results: Connersville 102; EC 93; BHS 64; GHS 39; LHS 16; SD 12; Rushville 4.Batesville Boys are 11-4 on the season.Batesville Results.Medley relay:, Girls Runner Up (El Weiler, Gutzwiller, Cox, Villani).Boys (Weiler, Hatcher, Hawkins, Hunter CONFERENCE CHAMPS.200 Free: Girls Eliz Weiler 6th, Caplinger 11th, Ally Ritter 12th.Boys: Evan Miller 8th, Clayton McKinley 10th, Nathan Hall 12th.200 IM: Girls Emily Gutzwiller 3rd, Emily Weiler 8th, Lexi Hatcher 11th.Boys Matt Weiler Runner up, Jacob Hawkins 8th Zach Hall 11th.50 Free: Girls Taylor Villani 4th, Audrey Hall 6th Maggie Schwettman 10th.Boys Graham Hunter 7th, Seth Parker 8th, Clayton McKinley 9th.100 Fly: Girls Emily Gutzwiller 2nd, Hannah Cox 4th.Boys Jacob Hawkins 5th, Kegan Main 6th , Nathan Hall 10th.100 Free: Girls Taylor Villani 3rd, Audrey Hall 6th , Maggie Schwettman 11th.Boys Thomas Hatcher CONFERENCE CHAMP, Graham Hunter 6th Zach Hall 12th.500 Free: Girls Sarah Espin 4th, Lauren Caplinger 8th, Ally Ritter 12th.Boys Evan Miller 7th, Damien Pelo 8th , Harsh Patel 13th.200 Free Relay: Girls (El Weiler, Gutzwiller, Villani, Hall 3rd.Boys Runner Up (Weiler, Hatcher, McKinley, Hunter) 10th fastest time ever at BHS.100 Back: Girls: Emily Wiler 9th, Hannah Cox 10th, Sarah Poltrack 14th.Boys: Weiler CONFERENCE CHAMP, Seth Parker 5th, Ben Schwettman 10th.100 Breast: Girls El Weiler 3rd, Lexi Hatcher 6th, Sarah Espin 7th.Boys: Thomas Hatcher CONFERENCE CHAMP SCHOOL RECORD, Damien Pelo 8th, Grant Greene 10th.400 Free Relay: Girls (Em Weiler, Cox, Hall, Esping) 4th.Boys (Miller, McKinley, Hawkins, Parker 3rd.For Batesville.Top 10 times of all time Girls.200 medley relay-8th, 200 free relay-3rd; Most Pts scored conference meet-Gutzwiller 13.50-5th.Top 10 times of all time Boys.200 free relay-10th, Thomas Hatcher 100 breast new school record, 50 breast split Hatcher-2nd; Most Pts scored at conference Hatcher 20-2nd, Weiler 18-4th.Top 10 swimmers in an event of all time.Girls: 50 free: Audrey Hall from 8th to 7th, 200 free relay-2nd, 50 back split El Weiler from 6th to 4th; Mst pts scored conference career; El Weiler to 7th-T.Boys: 200 medley relay-9th 50 free: Graham Hunter from 9th to 8th, 200 free relay 6th, 100 breast Hatcher from 3rd to 1st; 50 free split Graham Hunter-9th.Senior Top 10.Boys: 50 free: Hunter from 10th to 9th, 100 free Hatcher from 6th to 2nd, 100 breast Hatcher from 3rd to 1st.Junior Top 10.Girls: 500 free Espin from 9th to 6th.Boys: 50 free Parker to 10th, 100 back Parker from 9th to 4th.Sophomore Top 10.Girls: 100 free Emily Weiler to 10th, 100 breast Hatcher from 9th to 6th, 200 IM Emily Weiler from 7th to 6th.Freshman Top 10.Girls: 50 free Maggie Schwettman to 10th.All Time Scoring.Boys: Hatcher to 9th.
Source:http://newsroom.wiley.com/press-release/addiction-biology/study-finds-high-health-burdens-very-high-risk-drinking Jul 18 2018In an Addiction Biology study, the estimated prevalence of very high risk drinking level (VHRDL, defined as drinking >100 g of ethanol per day) in 13 European Union countries was 0.74-0.85 percent, with a risk of disease or injury of 13.5 per 100 people with VHRDL per year.In an additional analysis in 9 European countries, VHRDL caused 53.6 percent of all liver cirrhosis, 43.8 percent of all pancreatitis, and 41.1 percent of oral cavity and pharyngeal cancers. Applying these findings to French mortality data resulted in a life expectancy of 47-61 years for people with VHRDL, which is 21-35 years less than the general population.These results indicate that the health burdens of VHRDL are potentially large, and interventions targeting VHRDL should be considered when formulating public health policies.”Public health seems to have overlooked people with very high drinking levels and seen them primarily as a small minority who should be helped clinically in the health care system. However, a more systematic analysis shows that marked burden of disease is associated with this drinking pattern in Europe, and more comprehensive policies should be considered,” said lead author Dr. Jürgen Rehm, of the Institute for Mental Health Policy Researchat the Centre for Addiction and Mental Health, in Canada.