logo
Call us: +44 (0)1865 244727

  • Home
  • Scope
  • News
  • Products
    • RADAR
    • CALL-OFF PROJECTS
  • Clients
  • Contact
  • How we work
    • Independent
      • Common law orthodoxies
      • Sensationalism
      • Expert witness
      • Regulation and Politics
      • Tied services
    • Up-to-date
      • Timely
      • Insurance Scenarios
      • Probabilistic Methods
    • Expert
      • Personal Injury
      • Trends
    • Innovative
  • Database
    • Member’s login
    • Member’s Settings
    • Register
    • RADAR Database
  • Recent projects
    • EMFs
    • STRESS AT WORK
    • WHIPLASH
    • WELDING RODS: MANGANESE EXPOSURE
    • ENVIRONMENTAL TOBACCO SMOKE
    • Other Projects



2001. Epidemiology for insurers. Attributable risk.

May 22, 2012
by Andrew@Reliabilityoxford.co.uk
0 Comment
Epidemiology provides data and tools with which to measure case load and to estimate liability exposure. Key concept = attributable risk; the basis of reliable probabilistic estimates of exposure.

Evidence from:

Andrew@reliabilityoxford.co.uk

Attributable Risk
If an exposure to a risk leads to an increased rate of ill health outcome, the absolute effect of exposure is measured by the difference between rate of occurrence in the exposed group (RE) and the rate occurrence in the unexposed group (RU). The difference in these rates, measures the rate attributable to exposure to the risk.

Attributable risk rate = RE – RU

Following from this;

Attributable Fraction = (RE – RU )/ RU

Which is the same as;

Attributable Fraction = (RR-1)/RR

where RR = relative risk, the result obtained from most epidemiological studies).

For example, a RR of 2 gives an attributable fraction of 50%.
For example, a RR of 3 gives an attributable fraction of 66%.

It is quite possible for an individual to have a small absolute risk but quite a significant relative risk. Normally, risk management should concentrate on attributable risk.

For example,
The disease rate among an exposed group is 20 per 1000 and the disease rate among in an unexposed group is 10 per 1000. The attributable fraction is clearly 50% since 10 out of 20 cases could be attributed to work. That is, the chances that each individuals disease was caused by exposure, is 50%.

Risk management policy would need to consider the cost/benefit ratio of preventing/mitigating/compensating the 10 cases attributable to the exposure in question. The potential value of attributable risk (and epidemiology) to insurance should be clear.

Regulatory bodies do not generally publish their threshold attributable risk criteria, but where these are known, they tend to fall between 1 in 10,000 and 1 in a million per year.

Leave a Reply Cancel reply

*
*

captcha *

Search Documents


Categories

  • Causation
    • de minimis
    • material contribution
  • Date of knowledge
  • Diagnosis
  • Duty of Care
  • Exposure estimation data
  • Mitigation
  • Motor related injury
  • News
  • Uncategorized

Archives

  • July 2023
  • June 2023
  • November 2020
  • January 2020
  • November 2019
  • May 2019
  • April 2019
  • March 2019
  • January 2019
  • December 2018
  • November 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • April 2018
  • November 2017
  • July 2017
  • April 2017
  • May 2016
  • April 2016
  • November 2015
  • April 2015
  • March 2015
  • December 2014
  • October 2014
  • July 2014
  • April 2014
  • February 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • July 2013
  • June 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012

© Re: Liability (Oxford) Ltd. 2012. All rights reserved.
Website Design by The Big Picture