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The Finer Points of Cancer Underwriting

13 September 2016 Dr. Tim Meagher

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Agenda

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Breast Cancer Thyroid Cancer

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Non-Hodgkin's Lymphoma

Bladder Cancer

Family History of Colon Cancer

Cancer Underwriting / Dr. Tim Meagher September 28, 2016

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Case Study #1 Breast Cancer

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Case Study #1 Breast Cancer

Application

Female 62 Non-smoker $300K Life

Breast cancer discovered by mammography in 2012.

Fully recovered and presently well

APS

2012 Infiltrating ductal carcinoma right breast

In addition, a small DCIS Right mastectomy with

chemotherapy and radiotherapy 2016 Well, no recurrence

Hospital Notes

2012 Infiltrating ductal carcinoma right breast, high-grade, 2.4cm

Also a 0.2cm DCIS Margins of both tumours clear ER +ve, PR +ve, HER2 +ve Sentinel lymph node biopsy +ve Axillary lymph node dissection:

2/20 lymph nodes involved, M0 Treatment: Right mastectomy

followed by chemotherapy and radiotherapy ? completed after 15 months 2016 Mammogram ?ve, multiple normal isotope bone scans, ECG and ECHO normal. CBC normal

Cancer Underwriting / Dr. Tim Meagher September 28, 2016

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1. Breast cancer causes more deaths in Canadian women than any other cancer

Percent distribution of estimated cancer deaths by sex

False!

Image: NIH U.S. Library of Medicine

27.0%

Of cancer-related deaths for women are due to lung cancer

13.6%

Of cancer-related deaths for women are due to breast cancer

Cancer Underwriting / Dr. Tim Meagher September 28, 2016

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