Genetics and Life Insurance: Medical Underwriting and Social Policy pdf

马克·罗斯坦 教授在布兰代斯法学院和医学院联合任职。他担任 Herbert F. Boehl 法律和医学主席，并且是路易斯维尔大学医学院生物伦理学、健康政策和法律研究所的创始主任。他于 2001 年加入路易斯维尔大学。Rothstein 教授的研究主要集中在生物伦理学、遗传学、健康隐私、公共卫生法、研究伦理和就业法。从 1999 年到 2008 年，他担任国家生命健康统计委员会隐私和保密小组委员会主席，该委员会是卫生与公众服务部健康信息政策方面的法定咨询委员会。他是美国法律、医学和伦理学会的前任主席。 2011-2019 年，他还担任《美国公共卫生杂志》的公共卫生伦理编辑，并为《法律、医学与伦理杂志》撰写有关生物伦理的定期专栏。此外，Rothstein 教授就他的研究领域撰写了 19 本书和 300 多篇文章。

Genetics and Life Insurance: Medical Underwriting and Social Policy pdf 马克·罗斯坦

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.