Arthritis Prevalence Varies by State and Affects Insurance Underwriting

Arthritis Prevalence Varies by State and Affects Insurance Underwriting

Arthritis is joint inflammation disorder that often starts out as a nuisance but can gradually become a debilitating condition.

According to the American Association for long-term care, arthritis is behind approximately 9 percent of long-term care insurance claims.

For the insurance community, the impact of this disease can be negative or positive. On one hand, it can prevent clients from accessing some of the most beneficial health-related insurance products. On the other, it can increase clients’ awareness of health risks without impacting their insurability. The impact on underwriting and sales can vary widely. Conditions such as gout, osteoarthritis, and rheumatoid arthritis can have significantly different impacts.

The prevalence of this disease can vary widely from market to market. The US Centers for Disease Control and Prevention found in 2014 that 27 percent of Americans above the age of 18 are suffering from some form of arthritis. Figures vary widely among states. However, in most states the prevalence of the disease among adults aged 45-54, the demographic potentially most concerned with obtaining long-term disability insurance, has been on the decline.

That said, in some states, the figures are rising. In Mississippi, Arkansas, Maine, Kansas and Alabama, the disease is increasing in prevalence among the 45-54 year olds. It’s increasing at the fastest rate in Delaware, Massachusetts, Georgia, West Virginia and Tennessee, with these states reporting increases anywhere from 2 percent to 6.9 percent in the five-year period from 2009-2014.

For more information, please read:
10 worst states for arthritis | LifeHealthPro

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