dmb Posted August 2, 2002 Posted August 2, 2002 Does anyone know how to find out the life expectancy of a quadraplegic (sp) who is currently 60?
david rigby Posted August 2, 2002 Posted August 2, 2002 Life expectancies are normally calculated from a mortality table. As you can see from this Society of Actuaries list of tables, there are a large number of mortality tables. Some are very far out of date; some are from other countries; some are based on very specific types of data. You are probably seeking something for a "disabled" individual. It is not easy to answer your question; it would help much to know the purpose for which the answer is needed. Not also that a "disabled smoker" might be different than a "disabled non-smoker". Ditto for male vs. female. I'm a retirement actuary. Nothing about my comments is intended or should be construed as investment, tax, legal or accounting advice. Occasionally, but not all the time, it might be reasonable to interpret my comments as actuarial or consulting advice.
MGB Posted August 5, 2002 Posted August 5, 2002 In litigation that focuses on this, it is usually the testimony of medical experts, not actuaries, that is used to put a time-period on this. There typically is not enough public data (which is what an actuary would make use of) that is refined to the level of the particular issues and medical problems involved with the person. Only after a thorough medical examination could an expert opine on this.
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