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Underwriting considerations for dissociative disorders.

P M Galbraith1, P J Neubauer

  • 1Fortis Benefits Insurance Company, 2323 Grand Blvd, 7th floor, Kansas City, MO 64108-2670, USA. pmgalbraith@us.fortis.com

Journal of Insurance Medicine (New York, N.Y.)
|May 26, 2005
PubMed
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Dissociative identity disorder (DID) claims often exhaust disability benefits and indicate increased life underwriting risk due to comorbid conditions and high mortality rates.

Area of Science:

  • Psychiatry and mental health research.
  • Insurance risk assessment and underwriting.
  • Public health and epidemiology.

Background:

  • Diagnosed cases of Dissociative Identity Disorder (DID) have increased.
  • DID frequently co-occurs with other mental health conditions, including bipolar disorder, depression, PTSD, anxiety, somatization, personality disorders, and psychotic disorders.
  • High rates of substance abuse and eating disorders are prevalent in individuals diagnosed with DID.

Purpose of the Study:

  • To evaluate the morbidity and mortality implications of Dissociative Identity Disorder (DID).
  • To assess the underwriting risks associated with DID due to its comorbid conditions.

Main Methods:

  • Analysis of disability claim experience for individuals diagnosed with Dissociative Identity Disorder (DID).

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Main Results:

  • Dissociative Identity Disorder (DID) claims frequently reached maximum benefit durations, even with case management.
  • Individuals with DID pose increased life underwriting risks.

Conclusions:

  • The Dissociative Identity Disorder (DID) population presents complex mental health challenges, leading to high utilization of disability benefits.
  • Literature suggests a significantly elevated risk of early mortality and increased healthcare expenses for individuals with DID compared to the general population.