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Vapers May Pay Higher Life Insurance Premiums

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Reinsurers around the world are reevaluating insurance premiums and risk for those who vape. Vapers may end up paying more for insurance than smokers or even be excluded completely from some policies.

Current totals for vaping deaths stand at 47 for one mysterious lung illness that has been connected to vaping. Other health concerns have continued to grow even though some studies show that vaporizers and e-cigarettes help smokers to stop using traditional cigarettes.

Warnings to Insurers

Reinsurers are the companies that insure the insurance providers. They use their vast research tools to help insurers determine risk. While they don’t provide recommendations for pricing or require specific policies, they do give general advice on risk. They can also charge higher premiums or even fail to provide reinsurance if their advice isn’t followed.

In the past, vapers were treated like smokers when it came to insurance. Smokers already pay up to twice as much as nonsmokers for life insurance because of the higher risk for lung cancer and other health problems. Three reinsurers have updated their recommendations on vaping recently with others still considering their guidelines.

The warnings from the reinsurers includes vaping products that contain THC, which is an active ingredient in marijuana. They also focus on younger vapers, particularly insuring those who are under the age of 25 due to the recent illnesses and deaths from the vaping illness. Many of those who have had the illness have been under that age and even still in their teens.

Many insurers are treating vapers the same as smokers while refusing to insure those who are vaping products which may be likely to cause cancer. Supporters of vaping believe this step is harsh because it’s already difficult for people who smoke to get insurance.

Most insurers have already put vapers with smokers when it comes to pricing and risk. The few that didn’t in the past are beginning to change their stance now. Reinsurers are continuing to monitor the information available about vaping and health concerns.

Damage from Vaping

It’s still too early to tell the long-term damage from vaping. If more illnesses from vaping become apparent, it is expected that insurers will respond accordingly. The US Centers for Disease Control and Prevention have recommended that people stop vaping, especially with products that contain THC or vitamin E. Experts suggest that people give up vaping completely until it’s determined what ingredient is causing the epidemic that overtook the nation during the summer.

This is another hit for vaping manufacturers who have already lost customers and support due to the negative publicity and information being presented. They continue to claim that vaping is safer than smoking, but recent deaths have placed a high concern about this idea out to the public. In fact, JUUL was one manufacturer that the FDA gave a warning to for promoting their products as a safer alternative. That claim cannot be made unless specific data is provided to support it, which JUUL did not have. The manufacturer has stopped all marketing in the US but still continues to promote products in other countries.

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Expert Panel Recommends New Standards for Testing Products for Asbestos

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A government panel from the US Food and Drug Administration now says that higher asbestos testing standards is necessary. These standards would be above what has been in place currently.

A New Report

One of the most important recommendations is that all mineral products that are found in beauty and health products should be considered as possibly harmful even if they haven’t been classified as asbestos. These minerals could still be breathed in and end up in the lungs.

According to experts, these minerals can cause the same outcomes to the system as asbestos. It doesn’t matter how they are categorized. The panel also supports the stance of the World Health Organization that no exposure to asbestos is safe. They advocated for the most sensitive testing methods for cosmetics and talc powders.

The recommendations the panel gave are markedly different from what other advisors have suggested. As recent as 2018, many experts in a meeting sponsored by the FDA played down any possible hazards from asbestos in talc or similar minerals. Scientists and other experts criticized the reports that came from the meeting.

According to the FDA, the panel didn’t work with or get recommendations from manufacturers in the cosmetic industry or other groups. A spokesman for Johnson & Johnson said they would be glad to review the information for the best way to test for the presence of asbestos and other minerals in talc.

Danger in Beauty Products?

Asbestos had been found in Johnson & Johnson baby powder back in October 2019. Around 33,000 bottles were recalled. It was the first time in the history of the company that such a recall had occurred. The manufacturer hired an independent lab to test the product and no asbestos was reported to be found. According to Johnson & Johnson, 155 tests were conducted with state of the art methods and no asbestos were found.

Currently, no testing of talc products is required even though talc and asbestos are often found in the same place in the ground. Instead, regulators allowed companies to develop their own safety regulations.

Nothing has changed officially with the report, but the FDA will use it to decide if standardized testing methods are necessary. However, they haven’t announced a deadline for the review. Experts do say the recommendations themselves could be used in court cases and to influence other scientific practices.

Asbestos and similar minerals are possible carcinogens, which can cause cancer with prolonged exposure. These tiny particles get breathed in and trapped inside the lungs where they can’t escape. Over time, they can scar the lungs and lead to permanent damage, even death.

The significance of the information from the panel may not be fully known until after the FDA has had time to review, but it does lead the way to long-term changes by cosmetics companies that have failed to address the issue in the past. At the very least, it will encourage them to take more responsibility for providing safe products.

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Most Patients Wait Too Long for Knee Replacement

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According to a recent study, the majority of people who are experiencing knee pain from osteoarthritis wait too long to have knee replacement surgery. The statistics revealed up to 90 percent should have scheduled it sooner. On the other hand, 25 percent may be scheduled too soon for knee replacement.

When the patient waits too long, the surgery is often not as successful because the person has lost more function. Since they usually aren’t as active with the level of pain they’re experiencing, they may gain weight and suffer from depression along with other health issues.

This isn’t to say that the patient experiences no improvement if they wait too long to have knee replacement surgery. They will likely see some improvement, but it lags behind the average.

For those who get the surgery too soon, they may face more complications and end up with major costs without a lot of benefit. Another concern is that knee replacements wear out, and those patients will likely face a second replacement down the road. That surgery is often more difficult and doesn’t have as positive of an outcome.

To determine the best time to have knee replacement surgery, the researchers used several factors to create an algorithm for their test subjects. This included age, amount of pain and stability of the knee. They would consider how wiggly the knee felt based on if the tendons were loose. They also looked at the grinding and clicking sounds that come with knee issues.

The Cost of Knee Replacement

The average cost in the US for knee replacement surgery runs between $12,000 and $70,000, depending on the area of the country where you live. This has become a popular surgery in recent years, and that trend doesn’t appear to be changing. According to the American Academy of Orthopedic Surgeons, the rate of surgery for knee replacement will increase by 189 percent by 2030.

It is not only the elderly or senior citizens that are getting this type of surgery. Statistics show that is has increased for people between the age of 45 and 64 by three times while those over 65 doubled.

While there are proponents of the idea of using an objective measure for when it’s time for knee replacement surgery, many believe it wouldn’t be effective because the decision involves subjective factors, such as pain. Other considerations for the right time for the surgery is the lifestyle and schedule of the patient. They may be taking care of a spouse and not able to take time off to recover from surgery.

A recent study showed that nearly 20 percent of patients who had the surgery weren’t happy with how it turned out. In some cases, it was because the results didn’t live up to the expectations of the patient.

While knee replacement is obviously a growing trend, every person should discuss the option with their doctor and make a decision based on what’s right for them. They shouldn’t be pressured into a surgery they aren’t ready for and should understand the risks.

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Youngest Vaping Fatality was 15

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A 15-year-old is the youngest person to die from the lung illness that has been linked to vaping. They were from Texas, and the death was announced on December 31.

Illness Stats Continue to Rise

The death was reported by the Dallas County Health and Human Services. According to the agency, the teen had a chronic medical condition not related to vaping as well. The specific condition wasn’t named along with the name of the teen. It was also not reported which products the teen had been vaping.

This marks the 57th death from the vaping illness with 2602 cases of those who have fallen ill from the disease. One of the most alarming stats is the range in age of those affected. Fatalities have been between 15 and 75 years of age with the median age being right around 50.

The good news for this illness is that fewer cases are being reported. On the other hand, other deaths are still under investigation, which means the total could still rise in the coming weeks.

There was a total of 41 new hospitalizations for the first week in 2020 with 59 deaths in 28 states. However, cases have been reported in all 50 states, along with Puerto Rico, the Virgin Islands and DC. Kentucky was the latest state to add a fatality to the list. The illness also now has a name – EVALI, which is an acronym for e-cigarette or vaping product use associated lung injury.

The peak came during September when many of the ER visits involved younger patients, especially men and teen boys. The highest number of deaths by state have occurred in Illinois, Indiana and Georgia with five apiece. Massachusetts and California each have four. Several states have either enacted a ban or are working on one through the state while some counties have taken their own initiative. For instance, Massachusetts has a four-month ban on every vaping product. San Francisco has enacted a similar ban on e-cigarettes. Others, like Oregon, Utah, Michigan and New York State enacted bans on flavored products.

Young Men are Primary Patients

The stats are interesting and concerning for many with 70 percent of patients being male and almost 40 percent between the ages of 18 and 24. Another 26 percent are between 25 and 34 years of age. Dark Vapes was the top brand for THC products while JUUL was at the top of the list for nicotine products.

It has been determined through research that vitamin E acetate is the main cause, which is found in THC products for vaping. The FDA is trying to combat the rise in teen vaping by issuing a ban on the majority of nicotine vaping products that contain fruit or mint flavors. The US Centers for Disease Control and Prevention recommend that people stop vaping, especially if they are using THC products. They shouldn’t buy any products off the street. Consumers should also be aware that these products haven’t been approved by the FDA to help people stop smoking.

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