Genetics and Life Insurance: Medical Underwriting and Social Policy pdf

El profesor Rothstein tiene un nombramiento conjunto en la Facultad de Derecho de Brandeis y la Facultad de Medicina. Ocupa la Cátedra Herbert F. Boehl de Derecho y Medicina y es el Director Fundador del Instituto de Bioética, Políticas de Salud y Derecho de la Facultad de Medicina de la Universidad de Louisville. Se unió a la facultad de la Universidad de Louisville en 2001. El profesor Rothstein ha concentrado su investigación en bioética, genética, privacidad de la salud, derecho de salud pública, ética de la investigación y derecho laboral. De 1999 a 2008 se desempeñó como Presidente del Subcomité de Privacidad y Confidencialidad del Comité Nacional de Estadísticas Vitales de Salud, el comité asesor estatutario del Secretario de Salud y Servicios Humanos sobre política de información de salud. Es ex presidente de la Sociedad Estadounidense de Derecho, Medicina y Ética. También se desempeñó como editor de ética de salud pública para el American Journal of Public Health de 2011 a 2019 y escribe una columna regular sobre bioética para el Journal of Law, Medicine & Ethics. Además, el profesor Rothstein es autor de 19 libros y más de 300 artículos sobre sus áreas de investigación.

Genetics and Life Insurance: Medical Underwriting and Social Policy pdf por Mark Rothstein

Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.