Mortality and morbidity from heart disease under industrial and group insurance
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Transcript of Mortality and morbidity from heart disease under industrial and group insurance
MORTALITY AND 31ORBIDITY &‘l%e)M HEART DISEASE CNDEX INDUSTRIAL A4ND GROUP 1KSIRAl‘alCE
WADE ~%T:XICIIT,* M.D. NEW YORK, N. Y.
EART disease and limitation of capacity for physical exertion are SO closely associated, and heart disease may be so aggravated by
physical exertion that it might quite naturally be assumed that the interrelations of heart disease and occupation would be reflected in high mortality rates in at least a considerable number of occupational groups. There is little evidence, however, that such excessive occupa- tional mort’ality exists.
This is a matter of particular interest when it is remembered that heart disease is foremost, among the causes of deat.11. In striking cou- trast stand pulmonary tuberculosis, pneumonia and accidents, all of \vhich display clearly the influence of occupation upon mortality rates.
Tuberculosis is the cause of grossly excessive mortality among such workers exposed to silicious dusts as hard rock miners, pottery mork- ers, stone cutters and grinders and amon, v such workers as waiters, cigar makers, laundry workers and printers (see Tables I and VI).
Pneumonia causes a still more marked excessive mortality among
iron foundry workers, cordage workers. metal polishers, miners and &eel workers.
Deaths from accident are more readily associated with occupation, and the very high death rates from accidental violence among electric linemen, railway workers, coal miners, structural iron workers, city firemen, roofers and others are, of course, extreme examples of the effect of occupation upon mortality.
There is undoubtedly some degree of association of social or eco- nomic status and mortality from heart disease. This is reflected in the morta.lity rat.es from this cause in the several classes of insured per- sons. The “ordinary” class is made up, b aenerally speaking, of the most
favored individuals ; the ” indus’trial ” class is made up largely of wage earners holding small policies, and the “intermediate” class falls between.
These observations are confirmed in the last repol~t of the Registrar General of England and Wales, 1923.-1923.
It is unfortunate that the statistical data relating to deaths among those covered by group insurance and by industrial insurance are not, at present, in such form as to permit of the recognition of mortaliQr rates by specific occupations.
*Assistant Medical Director, MetT’opolitan Life Insurance Company. Read at the Annual Meeting of the Amex’ican Heart Association. February 4. 1929.
448
TABL
E 1
OCCU
PATI
ONS
SHOW
ING
THE
HIGH
EST
PEBC
ENTA
GE
OP
DEAT
HS
BROM
SP
ECIF
IED
CAUS
ES
OF
DEAT
H LI
STED
AC
CORD
ING
TO
THEI
R ST
ANDA
RDIZ
ED
RATI
OS"
MO
RTAL
ITY
EXPE
RIEN
CE
OF
MET
ROPO
LITA
N LI
FE
INSU
RANC
E CO
MPA
NY
ON
WHI
TF,
MAL
E IN
DUST
RIAL
PO
LICYH
OLDE
RS
15
To
64
YEAR
S.
1922
-192
4
TUBE
RCUL
OSIS
O
F TH
E RE
SPIR
ATOR
Y SY
STEM
PN
EUM
ONIA
(A
LL
FORM
S)
OC
CU
PATI
ON
ST
ANDA
RDIZ
ED
OCCU
PATI
ON
STAN
DARD
IZE1
RA
TIO
RA
TIO
M
iners
(u
nder
grou
nd)
exclu
ding
co
al
Iron
foun
dry
work
ers
220.
0 m
iners
Potte
ry
work
ers
Ston
e cu
ttcTs
W
aite
rs
and
hote
l se
rvan
ts Cu
tlers
an
d gr
inde
rs
Ciga
r m
aker
s an
d to
bacc
o wo
rker
s La
andr
.~
work
ers
Com
posit
ors,
pr
inte
rs
and
pres
smen
Br
ass
foun
rlry
work
ers
Barb
ers
and
haird
ress
ers
Gla
ss
work
ers
Cler
ks,
book
keep
ers
and
offic
e as
sist
ants
Po
lishe
x (ir
on
and
stee
l pr
oduc
ts)
Shoe
fa
ctory
wo
rker
s Td
ors
and
othe
r clo
thin
g wo
rker
s Fu
rnitu
re
and
other
wo
odwo
rkers
Corda
ge
2nd
hclnp
I~
lill wo
rkers
Slau
ghter
xl1
13
pack
ing
hous
e wo
rkers
Shoe
mak
ers
(cobb
lers)
Bake
rs Al
l oc
eupa
.tion
s (e
mclu
diug
retire
d)
182.
7 17
6.5
144.
4 14
0.7
135.
8 13
5.2
134.
6 13
0.9
126.
5 12
5.9
123.
5 12
2.8
122.
2 11
8.5
118.
5 11
8.5
117,
9 11
7.9
116.
7 11
6.0
100.
0
Cord
age
and
hem
p m
ill
work
ers
Polis
hers
(ir
on
and
stee
l pr
oduc
ts)
Coal
m
iner
s (u
nder
grou
nd)
Iron
rind
stee
l m
ill
work
ers
Rubb
er
faet
ory
work
ers
IInck
ster
s rin
d pe
ddle
rs
Roof
ers
Long
shor
emen
an
d ste
vedo
res
Brick
, til
e an
d te
rra
cotta
wo
rker
s Bo
iler
mnk
crs
Gla
ss
work
ers
Labo
rers
Bl
acks
mith
s M
iners
(u
nder
grou
nd)
exclu
ding
co
al
min
ers
Ston
e cu
tters
St
reet
an
d se
wer
clean
ers
Mas
ons
and
brick
layer
s Ce
men
t an
d lim
e wo
rker
s O
il re
finer
y wo
rker
s Al
l oc
cupa
tions
(e
xclu
ding
re
tired
)
185.
0 18
3.8
150.
0 14
2.5
135.
0 13
2.5
131.
.3
130.
0 12
7.5
123.
8 12
0.0
120.
0 12
0.0
117.
5 11
7.5
115.
0 11
3.8
111.
3 11
0.0
100.
0
ACCI
DENT
AL
OR
UNDE
FINED
VI
OLEN
CE
OCCU
PATI
ON
STAN
DARD
IZED
RA
TIO
Elec
tric
linem
en
280.
8 Ra
ilway
en
ginc
men
an
d tra
inm
en
Coal
m
iner
s f u
nder
grou
nd)
Stru
ctur
al
iroil
work
ers
Fire
men
(c
ity
depa
rtmen
t) Ro
ofer
s Fi
sher
men
, oy
sterm
en,
sailo
rs
and
240.
0 22
7.5
218.
3 19
6.7
188.
3
mar
ine
work
ers
Mine
rs
(und
ergr
ound
) ex
cludi
ng
coal
m
iner
s Ra
ilway
tra
ck
and
yard
wo
rker
s Ch
emica
l an
d ex
plos
ives
facto
ry
work
ers
Cem
ent
and
lime
work
ers
Oil
refin
ery
work
ers
Brick
, til
e an
d te
rra
cotta
wo
rker
s Ch
auff
curs
W
atch
men
n:
:d
guar
ds
Raw
and
plan
ing
mill
wo
rker
s El
ectri
cian
s Pa
per
and
pulp
m
ill
work
ers
Long
shor
emen
an
d st
evcd
orcs
^. Ua
,rpen
ters
173.
3 17
0.0
160.
8 16
0.0
145.
8 14
5.0
143.
3 14
3.3
140.
8 13
7.5
128.
3 10
0.0
-- Al
l oc
cupa
tions
(e
xclu
ding
re
tired
) __
_- __
---.--
“T
he
Perce
ntage
of
de
aths
fro
m
each
sp
ecifi
ed
caus
e of
de
ath
in
the
the
age
perio
cl 15
to
64
ye
ars
amon
g al
l oc
cupa
tions
co
rnbinc
cl wa
s tak
en
as
100.
The
stan
&r&e
d PP
X’cnta
ge
for
each
ca
use
in
each
oc
cupa
tion
divid
ecl
by
the
eol'l‘e
spon
cling
perce
ntage
fo
r al
l oc
cupa
tions
co
mbin
ed
&es
the
stand
ardize
d ra
tio.
185.
0
184.
2 17
6.7
Group insurance is of relatively recent development. It is written at extraordinarily low rates because there are eliminated from the transactions all possible administrative and selective procedures. Pre- cise statements concerning the occupations of those insured are not required. In consequence the mortality which is experienced relates to industries and not to occupations. Physical examinations are not required so there is no physical selection of lives. Among those ex- posed to risk are individuals of varying ages, of either or both sexes, and to some extent, white or colored. It is evident that as group in- surance covers employees upon the payrolls of the respective insured
TILE II
DEATH R,ATES FROM OTHER DISEASES OF THE HEART METROPOLITAN LIPE IKSURANCE COMPANY, 1927
DEATHS PER 100,000 LIVES EXPOSED AT SPECIFIED AGES
AGE PERIOD ' ORDINARY CLASS IKTER,MEDIATE CLASS IXDUSTRIAL CLASS
(MALES) (MALES) (WHITE MALES)
20 to 24 years 11.2 12.6 20.5 25 to 34 years 10.9 18.3 38.3 35 to 44 years 27.9 52.1 90.0 45 to 54 years 118.6 195.8 284.0 55 to 64 years 343.9 427.8 738.4 65 to 74 years 1013.9 1171.3 1785.8 75 vears and over 3168.6 4166.7 4295.2
TABLE III
STANDARDIZED MORTALITY OF THE FIVE SOCIAL CLASSES am op ALL MALES. AGES 20 TO 65 YEARS
( (VALVULAR DINSEASE ' J OF THE HEART AND Cc OTHER HEART DISEASE I ’ REPORT OF THE REGISTRAR GENESAL FOR EKGLAND AND WALES, 1921-1923
K&J& disease of hea* f *~+&j[~[&/-$Z&J+ Other heart disease
*Social Class I-Upper and Middle. Social Class II-Intermediate. Social Class III-Skilled Workers. Social Class IV-Intermediate. Social Class V-Unskilled Workers.
groups, there is a tendency to eliminate from the exposure those indi- viduals whose incapacity because of heart disease is such as to prevent them from engaging in active work. A portion of those incapacitated
because of heart disease may, under group insurance, become eligible for total and perma,nent disability benefit,s. Such cases are charged as claim losses as of the dates of acceptance of the claims. Unf ortu-
nately, published statements of group claim experience do not offer a classification of such permanent and total disability claims, by cause. About 15 per cent are due to heart disease.
Accepting such data as are available in connection with the mor- bality from heart disease among the several million workers covered under group insurance, it is apparent that there exist relatively unim-
WRIGHT: MORTALITY AND MORBIDITY FROM HEART DISEASE 451
portant differences between the major classifications, such as ‘(rnin-
ix, ’ ’ ‘ ‘ iron, steel and other metals, ” ‘ ‘ transport,ation, ’ ’ ’ ‘ clerical, ’ ’ and “all others. ” Such differences as are observable in the several rates for each age are for the greater part to be explained by elements of selection incident to the demands of the respective industrial class&a- tions. The cardiac cripple will, for example, be almost automatically excluded from a heavy occupation. The operation of such tendencies has evidently been responsible for the levelling of cardiac mortality rates among the various occupational classes.
TABLE IV
DISEASES OF HEARTANT)'~IRCULATORY SYSTEM DEATHS PER 100,000 LIFE YEAXS
CENTRAL AGE
18 23 28 33 38 43 48 53 58 63 68 73 78 83 88
- MINING
Class I 14.0 23.8 34.6 46.8 45.2
112.9 188.3 316.5 505.7 765.6
1325.3 1293.1 2991.4 3333.3 5263.1
IRON, STEEL OTHER METALS
Class II
6.2 26.8
-
-
31.6 45.9 73.9
122.8 177.1 344.9 529.6 816.6
1600.0 2552.6 4354.8 6611.5
10000.0
TRANSPOR'TATION CLERICA
Class III
16.6 23.8 29.7 39.7 76.6
133.2 229.1 361.3 594.2
1020.2 1774.3 2556.6 4655.1 6666.6 9230.7
Class IV 19.8 13.8 28.4 32.8 53.2 95.9
184.7 356.2 546.6
1000.0 1551.1 2394.7 4114.3 5431.3 3571.4
1
.-
. -
!.LL OTHEKS
Class V 21.3 21.5 25.6 38.5 65.5
111.5 18.5.1 296.8 515.7 872.9
1386.2 1956.6 3273.7 6257.2 7260.6
At the present time group insurance data concerning morbidity from heart disease in relation to occupation are not to be had. It is possible, however, to present some general figures indicating the relative impor- tance of diseases of the circulatory system among t.he many causes of illness for which benefits are payable in time of sickness.
In a study of 6671 claims incurred under policies, paying benefits for approximately twenty-six weeks beginning on the eighth day of illness among white males, a life year exposure of 173,000 years, there were 323 or 4.8 per cent of the total number paid for losses due to various types of circulatory diseases, about 2 per 1,000. These claims involved the payment of 9 per cent of the total benefits paid for all causes and were of an average duration of 75.7 days which may be compared with an average duration of benefit of 41 days, and which is a greater dura- tion than that associated with any other group of disabilities.
Among white females under similar policy provisions, 34,000 life years, the diseases of the circulatory system accounted for 32 claims out of 1154 or 2.8 per cent of the total, about 1 per 1,000; on these claims were paid 5.9 per cent of all benefits paid ; and the average duration of benefit was 80.8 days which may be compa.red with an
average duration of benefit of 44 days. The average durat,ion of dis- ability due to circulatory diseases in this instance also was greater than that due to any other cause.
In view of the many circumstances which would incline the vital statistician to view group insurance mortality data as treacherous and nntrustworthy, it is of interest that an extensive mortality experience among men covered by that form of insurance known as industrial insurance shows an almost identical picture.
These data relate to deaths among individual policyholders whose occupations at death are recorded. Unfortunately, the number of lives at risk in each occupational classification cannot be obtained, so true death rates are not available. In consequence it is necessary to resort, to the use of a form of statement of mortality, which, while useful and truly informative, leaves much to be desired. The proportion of deaths from any cause, such as heart disease, in an occupational group is corrected for age and expressed in ratio to the proportion of deaths from that cause among all oc,cupied males. This figure is known as the “standardized ratio.”
In a study recently undertake:1 by the Statistical Bureau of the Metropolitan Life Insurance Company, under the direction of Dr. Louis 1. Dublin, there was determined the relation of occupation to 105,467 deaths which occurred during t’he three years, 1922 to 1924, among three and one quarter million male white indastrial policyholders.
The great majority, 90 per cent, of cardiac deaths were due to the cause of the international classification known as “Other Diseases of
the Heart, ” heart disease excluding pericarditis, acut,e endoca.rditis, acute myocarditis, and angina pectoris.
N~BLBEK OF I>EATIIS IN SPECIP'IEU _&GE PEKI~US Fp,ox ALL CAUSES END FKOM ~‘OT~IEX I)ISEASES OF THE HEART." R~IORTALITY ESPFXIEWE OF ;LIETKOPOLITAN LIFE INSCRANW
COMPANY ON WHITE MALE ISDUSTRIAL POLICYHOLDERS (Exc~vn~so RETIRED) 15 YEARS API'D OLDER, 1922 TO 1924
-___- KUMBER OF DEATHS
CAUSES OF AGES 15 DEATH YEARS 15 TO 24 2.5 TO d35 TO 44 4.5 TO 54155 TO 64 65 YE.wS
YEARS I'EARS YEARS YEARS / YEARS ASD OVER AXD OVER I
All eauees -11,927 105,467 12,153 15,041 Other diseases
19,656 / 25,054 21,636
of the heart 16,217 903 I 854 1 1,356 / 2,982 1 4,941 5,151
To this cause, “Other Diseases of the IIeart,” were assigned 16,217 deaths of individuals fifteen years or over, and it is to this class that the following data relate. The standardized ratios were computed for those deaths between the ages of fifteen and sixty-four years.
With the “ratio” of 100 for all occupied males, those for specific occu- pations ranged, strangely enough, from 180 among sailors of the navy to 37 among soldiers. These ratios may be ignored, however, as they
TABL
E VI
PERC
ENTA
GE
OF
DEAT
H~S
DUE
TO
“OTH
ER
DISE
ASES
OP
TH
E HE
ART”
O
F DE
ATIIS
FR
OM
ALL
CAUS
ES
IN
SPEC
IFIE
D OG
CUPA
TION
S M
ORT
ALIT
Y EX
PER.
IENC
E OP
M
ETRO
POLI
TAN
LIKE
INSU
RANC
E CO
MPA
NY
ON
WHI
TE
MAL
E IN
DUST
RIAL
PO
LICYH
OLDE
RS
15
YEAR
S AN
D OL
PEK.
19%
TO
19
%.
- .__
DE
ATHS
(15
YE
ARS
AND
OLDE
R)
OCCU
PATI
ON
OR
INDU
STRY
All
occu
patio
ns
cornb
iDed
(e
xclud
ing
retire
d)
sailo
rs (n
avy)
Boile
r m
aker
s M
erch
ants
and
store
keep
ers
Roofe
rs Co
oks
(hote
l an
d re
staur
ant)
Tailo
rs
and
other
clo
thing
m
ocke
rs Te
xtile
dyein
g, ble
nchin
g, an
d fin
ishing
m
ill wo
rkers
Wait
ers
and
hotel
se
rvants
Cl
erks
, bo
okke
epers
am
l off
ice
assis
tnrits
Ea
rbevs
an
d ha
irdre
sser
s Sh
oem
aker
s (co
bbler
s) Ho
stler
s an
d sta
blem
en
Brick
, tile
am
l ter
ra
cotta
wo
rkers
Huck
sters
and
pedd
lers
Plas
terer
s Ja
nitor
s an
d bu
ilding
em
ploye
es
Stor
e cle
rks
and
sales
men
Ag
ents,
ca
nvas
sers
and
sales
men
Tin
ners
(shop
) an
d tin
ware
wo
rkers
Long
shor
emen
an
d ste
vedo
res
ALL
CAUS
ES
105,4
67 21
8 3G
7 3,1
33
179
324
1,175
39
1 78
9 5,1
40
765
666
363
199
932
354
2.243
3,3
02
1,296
46
7 59
4
I’HER
DI
SEAS
ES
OF
THE
HEAR
.1’
16,21
7 10
G4
57
8 26
59
232 81
12
7 74
9 13
2 14
5 77
36
171 62
44
6 49
0 21
3 84
96
PERC
ENTA
GE
01’
DEAT
HS
FROM
OT
HER
DISE
ASES
0
CRUD
E FO
R AG
ES
15
YEAR
S AN
D O
LDER
15.4 4.6
17
.4 18
.4 14
.5 18
.2 1.9
.7 20
.7 16
.1 14
.6 17
.2 21
.8 21
.2 18
.1 18
.3 17
.5 19
.9 14
.8 16
.4 18
.0 16
.2
THE
HEAR
T
STAN
DARD
IZED
FO
R
AGES
15
TO
64
YE
ARS
13.2
23.8
17.0
16.9
16.3
16.3
16.2
15.5
15.4
15.2
14.8
14.7
14.7
14.6
14.6
14.5
14.5
14.4
14.1
74.1
14.0
STAN
DARD
IZED
RA
TIO
*
A’GE
S 13
TO
64
YE
ARS
luo.o
180.3
12
8.8
128.0
12
3.5
123.5
1.2
2.7
117.4
11
6.7
115.2
11
2.1
111.4
11
1.4
110.6
11
0.6
109.8
10
9.8
109.1
10
6.8
106.8
10
6.1
*The
pc
rcenta
gc
of
death
s (1
3.2)
show
n in
colum
n 4
for
all
occu
patio
ns
com
bined
wa
s tak
en
as
100.
The
stand
ardize
d pe
rcenta
ge
for
eacI1
oc
cupa
tion
divide
d by
13
.2 giv
es
the
Rtm
~rZa
.rdise
d Ra
tio.
454 THE AMERJCAS 3EART JOURXXL
are based upon small numbers of deaths and being corrected r‘or age do not accurately reflect the actual incidence of cardiac deaths in these two highly selected occupational groups.
These ratios, it must be clearly understood, are not death rates. They reflect only the importance of cardiac mortality in relation to other causes. Such indices, however, are of value in disclosing any tendency of occupation to induce an excessive mortality from any cause or causes.
The best extensive occupational mortality data of recent date now available are to be found in the report of the Registrar General of England and Wales for the period 1921-1923.
Among 164 occupational classes of those males dying between the ages twenty and sixty-five years but 16 classes showed significant standardized mortality rates from valvular diseases of the heart in excess of that for all occupied and retired males, and 21 classes, an excessive mortality from “Other Diseases of the Heart. ”
In only a few classes was the excess mortality at all marked. It was for other diseases of the heart particularly notable in those classes’ ex- posed to a silica hazard and with bartenders. The association of heart disease and a silica hazard was not evident in the American data.
It is possible, even probable, that there is in this country a higher degree of mobility of labor than in Great Britain, a greater tendency of workers to shift from one form of employment to another more congenial or better suited to physical capacity.
It may thus be seen that whatever may be the importance of the part played by occupation in the development or aggravation of cardiac incapacity in particular, individual cases, there is no considerable evidence that certain occupations are conducive to high death rates in the battle with the new captain of the men of death.