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The Life Events and Difficulties Schedule is a psychological measurement of the stressfulness of life events. It was created by psychologists George Brown and Tirril Harris in 1978. [ 1 ] Instead of accumulating the stressfulness of different events, as was done in the Social Readjustment Rating Scale by Thomas Holmes and Richard Rahe, they ...
The scale was given to 2,500 US sailors and they were asked to rate scores of 'life events' over the previous six months. Over the next six months, detailed records were kept of the sailors' health. There was a +0.118 correlation between stress scale scores and illness, which was sufficient to support the hypothesis of a link between life ...
Unless someone experiences a "qualifying event" (a change in personal circumstances such as getting married or having a baby [7]) outside of the annual enrollment period, annual enrollment is the only time to sign up for individual health insurance under the Affordable Care Act. Annual enrollment used to last for three months; the 2016 cycle ...
Death spiral is a condition where the structure of insurance plans leads to premiums rapidly increasing as a result of changes in the covered population. It is the result of adverse selection in insurance policies in which lower risk policy holders choose to change policies or be uninsured. The result is that costs supposedly covered by ...
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The U.S. Department of Health and Human Services (HHS) and Internal Revenue Service (IRS) on May 23, 2012, issued joint final rules regarding implementation of the new state-based health insurance exchanges to cover how the exchanges will determine eligibility for uninsured individuals and employees of small businesses seeking to buy insurance ...
Most major insurance carriers offer discounts of 10% or more for bundling your home and auto insurance policies, though discounts can vary by insurer. For example, Allstate claims you can save up ...
The RAND Health Insurance Experiment is considered "one of the best experimental social science studies ever conducted". [13] However, several criticisms of the study have been suggested. Some authors questioned the generalizability of comparisons of HMO and FFS care since data on the former were based on a "single, relatively small but well ...