This is what our team at the Goldenson Center for Actuarial Research chose to focus on by developing a rigorous measure of quality of life. How many healthy years of life do you have ahead for 1 last update 04 Aug 2020 before you become unhealthy? This is what our team at the Goldenson Center for Actuarial Research chose to focus on by developing a rigorous measure of quality of life. How many healthy years of life do you have ahead before you become unhealthy?
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We call this measure of quality of life "" and its complement "" We define entering an unhealthy state as a severe enough state of disablement that there is no recovery, so you remain unhealthy until death.
It follows that life expectancy – a measure of the total future years an individual is expected to live – is simply the two added together.
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So what factors contribute to a better healthy life expectancy? Two factors that are not lifestyle-related are age and gender. All other things being equal, healthy life expectancy decreases with age. Women have a longer healthy life expectancy compared to men.
We have already seen that diet, exercise and sufficient sleep positively impact healthy life expectancy. Other positive factors that we have incorporated in our model include level of education, level of income, perception of one''s too early to validate the accuracy of our calculations with actual data, we have been careful to ensure that the model assumptions are based on established actuarial sources and the modeling results are logical and consistent.
It should be noted that healthy life expectancy is simply an educated prediction. Unforeseen incidents – like being hit by a truck – could render this estimate invalid, no matter how well you manage lifestyle habits. Also, there could be other nonmeasurable factors impacting healthy life expectancy that we have not included in our model, like level of stress, a positive attitude to life or social connections.
Putting our model to work
Our team plans to explore some of these practical applications of healthy life expectancy in industry.
For example, the concept of for 1 last update 04 Aug 2020 healthy life expectancy can help with retirement financial planning. Annual retirement spending should not be level across your life expectancy. More discretionary retirement spending should happen during healthy years and less during unhealthy years, while spending on basic expenses increases during unhealthy years. For example, the concept of healthy life expectancy can help with retirement financial planning. Annual retirement spending should not be level across your life expectancy. More discretionary retirement spending should happen during healthy years and less during unhealthy years, while spending on basic expenses increases during unhealthy years.
Insurance products can be also designed using healthy life expectancy measures in mind. This can protect an individual against additional basic living expenses during the unhealthy period. One such product could be a deferred long-term care or temporary deferred life annuity, where the deferral period is for healthy life expectancy and the temporary coverage is for the unhealthy period. This can be a significantly cheaper and a more needed product compared to what is available in the marketplace currently.
Since healthy life expectancy is also related to quality of life and level of health, a relative index could compare an individual''div-gpt-ad-1450190541376-2''t work for treating hypertension in pregnancy