Resource Tag: INSURANCE

Background: Hospital-presenting self-harm is a strong predictor of suicide and has substantial human and health service costs. Aims: We aimed to identify changes in case ascertainment after implementation of a new self-harm reporting field at a tertiary hospital in New South Wales, and to report event rates, demographic, and clinical characteristics. Method: Self-harm events presenting to the emergency department (October […]

We study the impact of suicide-exclusion periods, common in life insurance policies in Australia, on suicide and accidental death rates for life-insured individuals. If a life-insured individual dies by suicide during the period of suicide exclusion, commonly 13 months, the sum insured is not paid. Aims: We examine whether a suicide-exclusion period affects the timing […]

Highlights •The increase in suicides is suggested to link with the no exclusion period life insurance policy. •The suicide risk after the usual 12 month exclusion period in Hong Kong is higher than usual. •The payment of claims arising from insured suicide deaths is higher than that of other death claims. •Some changes to the […]

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This presentation discussed the problems associated with potential suicides applying for life insurance. Underwriters cannot rely on the two-year suicide exclusion permitted by law but must attempt to identify the suicide-prone applicant & assess the risk of suicide as scientifically as possible. These issues were studied using data from suicide claims filed with the Great-West […]

This article discusses a case in which the Quebec Court of Appeal was called upon to decide whether or not an insurer who issued an accident insurance policy could refuse a claim following a suicide which occurred more than two years after the coming into effect of the policy.

This article briefly reviews two rulings by the Quebec Superior Court dealing with the suicide of an insured party less than two years after reinstatement of the insured’s policy. Contradictory judgments were rendered.

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For the full book, please see SIEC #2005-0874

This article assesses evidence of suicidal ideation in estate planning. Menninger’s (1938) classification of motives for suicide & American civil statutes pertaining to suicide are presented. 5 sets of information to assess suicide risk are included to make estate planners sensitive to suicidal tendencies their clients may be experiencing. (4 refs) (SC)

This article analyzed whether or not insurance companies would pay life insurance when the policyholder died by suicide. Results indicate that many insurance companies will refund the premiums paid to date if the policyholder dies by suicide within two years of the date the policy was initially issued. Once two years have passed many insurance […]

This article explores the association between epilepsy and suicide, through a review of the epilepsy literature produced between 1940 and 1979. A total of 11 papers were found from which it was possible to derive some evidence about the incidence of suicide in epileptics, which dealt specifically with the topics of temporal lobe epilepsy, epileptic […]

In this commentary, the author states the police suicide rate is over 3 times that of the general population (no source provided for this statistic). He also asserts that many police suicides are purposefully misclassified on death certificates as accidents, or undertermined deaths, for insurance purposes.

This article notes that many courts have been forced to consider the issue of whether an employee’s suicide which follows a compensable on-the-job injury should constitute a separate ground for worker’s compensation benefits. It calls for more consistency in these adjudications. The article examines 4 types of analyses courts use to establish direct causal relationship […]

This chapter reviews issues that arise when clergy try to help suicidal persons engage in treatment, examines problems that may be encountered when making referrals into the mental health system, looks at practical skills inherent to the clergy & unique qualities of pastoral care, & provides techniques for facing predictable problems. It describes good pastoral […]

Policies & procedures, & liability & malpractice issues related to working with suicidal outpatients are addressed. Issues related to ethical practice are raised, recommendations for risk management are discussed, & a step-by-step model, complete with agency & patient forms, for establishing, assessing, &/or revising policies & procedures is presented. Suggestions are made to improve clinical […]

The issue of suicide is discussed from the perspective that the majority of suicides coincide with mental illness. The discussion then moves to discuss the need for reform in how psychiatric care is funded in the U.S.. The author concludes by claiming, reforms of civil commitment laws are needed. Regulatory and licensing agencies need regulation […]

This chapter looks at issues involved in having the psychological autopsy being brought into the courtroom. The authors review the union between suicidology and the law, which typically involves two types of cases, those of parens patrieae, and those of contested life insurance claims. With respect to the psychological autopsy the authors conclude, rather than […]

This article discusses the fact that there is still neither a known cure for AIDS nor a vaccine to prevent infection from HIV. The article then examines some of the medico-legal issues associated with AIDS related death such as estate planning, discrimination, insurance, long-term care, the right to die, and suicide as detailed in medical/legal […]

The case of Paul Framson, a 56-year-old futures broker, is presented. After his sudden death, 4 life insurance companies denied payment of death benefits claiming that Framson had committed suicide. When denied benefits, the insured’s estate may challenge the medical examiner’s determination of cause of death. This case illustrates the role played by suicidologists in […]