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Back Issues and Articles
Back Issues and Articles

Table of Contents
Table of Contents
ASLME - [PDF] (Free Download)
Table of Contents
Letter From the Editor
Letter From The Editor
ASLME - [PDF]

Genetic Testing and Disability Insurance
Symposium Articles
introduction Understanding the Role of Genetics in Disability Insurance
Jeffrey P. Kahn, Susan M. Wolf - [PDF]

Genetic Testing and Disability Insurance
Genetic Testing and the Future of Disability Insurance: Ethics, Law, and Policy
Susan M. Wolf, Jeffrey P. Kahn, with input from the Working Group on Genetic Testing in Disability Insurance - [PDF]

Predictive genetic testing poses fundamental questions for disability insurance, a crucial resource funding basic needs when disability prevents income from work. This article, from an NIH-funded project, presents the first in-depth analysis of the challenging issues: Should disability insurers be permitted to consider genetics and exclude predicted disability? May disabilities with a recognized genetic basis be excluded from coverage as pre-existing conditions? How can we assure that private insurers writ-ing individual and group policies, employers, and public insurers deal competently and appropriately with genetic testing?
Genetic Testing and Disability Insurance: An Alternative Opinion
John H. Dodge, David J. Christianson - [PDF]

As members of the Working Group on Genetic Testing in Disability Insurance, the authors of this alternative opin-ion describe their areas of disagreement with some of the conclusions in the paper written by Susan M. Wolf and Jeffrey Kahn.
Predictive Medical Information and Underwriting
John H. Dodge - [PDF]

Medical underwriting involves the application of actuarial science by analyzing medical information to predict the future risk of a claim. The objective is that individuals with like risk are treated in a like manner so that the pre-mium paid is proportional to the risk of future claim.
Disability Income Insurance: The Private Market and the Impact of Genetic Testing
David J. Christianson - [PDF]

Disability Income Insurance: The Private Market and the Impact of Genetic Testing
Genetic Testing and the Future of Disability Insurance: Thinking about Discrimination in the Genetic Age
Paul Steven Miller - [PDF]

Genetic Testing and the Future of Disability Insurance: Thinking about Discrimination in the Genetic Age
Predictive Genetic Testing: Congruence of Disability Insurers' Interests with the Public Interest
Anita Silvers - [PDF]

This article argues that, under existing jurisprudence, the disability insurance business will be harmed, not ben-efited, from broad access to the results of genetic testing identifying people with higher than species-typical genetic propensities for illness.
Genetic Exceptionalism and Legislative Pragmatism
Mark A. Rothstein - [PDF]

Genetic-specific nondiscrimination laws have been enact-ed in most states, but the laws are ineffective and increase the stigma of genetic conditions. Whether these laws are better than no new legislation depends on their conse-quences and a recognition of their limitations.
Genetic Screening and Disability Insurance: What Can We Learn From The Health Insurance Experience?
Nancy Kass, Amy Medley - [PDF]

Genetic information may be used by health and disability insurance companies to deny or restrict coverage. How health insurance companies use genetic information, and how public policy has limited that use, can be illustrative for genetics and disability insurance policy.
Workers' Compensation, Social Security Disability, SSI, and Genetic Testing
Kathryn J. Sedo - [PDF]

This article argues that the use of genetic testing to deter-mine eligibility for worker compensation and/or social security disability benefits would seriously undermine the social purposes of the laws. Therefore it concludes that testing for this purpose not be permitted.
Life, Health, and Disability Insurance: Understanding the Relationships
Robert H. Jerry, II - [PDF]

Communitarian values are stronger in health insurance than in life or disability insurance. This correlates with increased tolerance for insurers' use of genetic informa-tion in disability insurance underwriting, which, in turn, is relevant to the scope and content of proposals to regulate such use.