rfrnrrrr T Page 12-- The Tv Herald Journal Logan Utah Thursday August 4 1908 Insurance firms begin to worry about AIDS billions of dollars by the end of distant future solvency may become an issue for those Anxiety within the industry has been exacerbated by a be denied insurance "It is vital insurers be trend toward restricting the allowed to test for the presence ability of insurance companies to test applicants for the dis-of the AIDS antibody’Mbecaue least four states plus the chance that someone in- - cue fected with the AIDS virus will the District of Columbia have die "is at least SO times greatdr enacted legialation regulating than the insurance expect- AIDS testing by insurers and ation of the general popul- other states are considering similar laws ation” said Dr Robert Gleeson But not to test in Gleeson's of medical director aesodate Northwestern Mutual Life In- view is foolhardy surance Co based in "Do you sen fire insurance to companies wMch continue to sell without recognizing the (AIDS) epidemic as the disaster it really is" Gleeson recently told a group of insurance industry representatives who met in New- York to By Denise Couture i j UP! Business business writer the NEW YORK (UPD-- As number of AIDS eases increases so does the anxiety level of the nation's health and fife Insurers At the heart of their concern is the cost of paving health and life insurance claims on policy holders who contract Acquired Immune Deficiency Syndrome which haa afflicted nearly 14000 Americans more than half of whom have died And at the heart of a growinc controversy are the issues of when insurance companies ean test for the disease and under what criteria an applicant ean 1 the century At Milwaukee Gleeson said payments on life health and disability claims related to AIDS wifi cost the insurance someone whose house is on fire?" Gleeson said in defense of his company's AIDS testing I“At some time in the not too Telephone bill shocks parents DEAR BRUCE: My husband and I went on a vacation our first in hlmost 12 years We felt that our two sons ages U and II would Bruce be perfectly capable of taking care of themselves Our older son is very mature & vr- 'A: The boys were told they could have their (male only) friends over and they did adhere to that What I never anticipated was that my younger appetite and I’m still not able to eat comson and Ms friends would use his dadrs jpeaker fortably When I told my husband I wanted to sue the phone to call NO numbers and listen to sexually company that packaged this he just laughed He nriwitfj SIihimIwh You can imagine how my huaband and l felt thought the wnole incident was fumy and said when we received a telephone Mil for almost that there was no chance in the world of us 11000 Some of the calls were to "date lines" In feet he thought it would be wrong to sue others to women who talk obscenely and atill Others to party-typ- e because all we lost was a jar of vegetables He is lines One thousand dollars is a budget-bustin fids certain that the supermarket will give us a new household and we don't feel that we should have jar Aa a consumer do I have to put up with such to pay it terrible product management? — VE Los we contacted our local phone company and Angela DEAR VE: Sorry but your husband and I see while the people there were sympathetic they said that sMce the calls were made from our this thing about the same way Fortunately you telephone by a member of our household we were not injured — although clearly your would be Mid responsible What do you think? — sensibilities were assaulted The likelihood is that eva if you had CN Omaha Neb DEAR CN: This is not an uncommon consumed this ereature you would not have bea problem Many parents have come home to very injured but I’m very happy for your sake that Urge telephone Mils You've seen the public you didn’t If you sued there would be no way to prove service announcement — “It's 10 pm — Do you know where your child is?" Many parents that the insect came out of the bottle It would be ruefully answer the question “I knew where very easy for you to falsely allege that it did you they were I just didn't know what they were could even have gone to the trouble of opening a bottle of the merchandise inserting a bug to doing" I would take this up with the telephone letting it marinate for a while Also there were no damages so any action company In most cases if you are adamant they will wave the charges Also in many areas probably would be not sustained Contact the your phone can be frozen off from access to manufacturer and tell them of your find They numbers of this kind may offer you some coupons for merchandise to If your son were mine I would roast his tail make up for your difficulties Beyond that feathers no matter how this thing eomes out consider the matter closed DEAR BRUCE: I am He as a middle teenager should have acted single woman I am employed in a management more responsibly DEAR BRUCE: We have lived in the same capacity in an office and make a good salary and apartment for almost nine years The landlord's bonus! have lived in the Virginia Beach area all 1 don’t know how else to put it but I hate son lives upstairs but although the pUce is mjrUfe to he refuses make falling apart repairs He never says “no" to our requests he just I would like to try something else I have no doesn’t get the job done We're paying $350 a dependents and very few family ties but I just month now for rent It would cost more than $500 cant seem to get moving How can I get out of to rent another apartment so we don’t want to this rut? I don't want tolive and die in just dte-B- LVi move What do you suggest?— NO Cincinnati Beach Va DEAR BL: Pick up your bag and go kid! DEAR NO: In a way you ou pointed out that there ' probably put your finger on the source of the if ii pVvOICD X rating the place for 8L800 to orid why you cant move 000 ayes If you're looking for a bigger city you can find It within an hour or two away by air or at most would in Given command area (hat your repair the landlord is reluctant to spend money on his a day'a drive There are New York City Washington Chicago Illinois Cincinnati and T?mtaSr repairs are necessary to make your Cleveland — any number of cities that you could area place more livable or attractive I think it would consider If you want an intermediate-size- d pay to make the repairs yourself I know it isn’t I'm sure you could figure out where they are In my opinion there is nothing sadder than the right that you should have to do it but I wish I had” coming from the lips of an words answer that the be speaking may practically You will recapture your expenses in a couple of older person You’re a young woman you're montha based upon the low rent you are paying fortunate to the extent that you have no The alternative as you know is to move responsibilities and no one to answer to Perhaps DEAR BRUCE: Last night as I was preparing as important no one except you win suffer if you dinner I opened a jar of vegetables and the make an error in your move most disgusting bug I've ever sea tumbled out If I were you I would get on with my life No into the colander when I drained off the liquid offense to Virginia Buck but there are other Happily nobody ate the thing but the thought of places too I do wish you welL that creature in my kitchen took away my Ngwipspsr ErrttrprlM Aiaociatlan one-wee- k Williams - policy holders win develop the disease in the future “During 1187 my company’s of paying hospital Mils out their own pockets “I think we are all co- d individual death claims amounted to 1 percent of all claims paid" MacKay ' said “We estimate that our d claims on business currently on the books will increase over tenfold by the AIDS-relate- said Malcolm ncerned" J MacKay a senior vice president of New York Life Insur- ance Co AIDS-relate- MacKay said that although he knows of no US insurance company facing insolvency as a result of the escalating AIDS crisis those within the industry are worried about what will happen a few years down the - examine the financial impact of AIDS on insurers While insurance companies' concerns about profits rise along with the AIDS death toll mid-1990- an analyst ait Firemark Insurance Research investment a Morristown N compsny said while the increase "may at the not appear to be staggering the fact is it is a sQpiiflcant problem for the industry" Vita Marino J road Their anxiety stems from the fact that a person could have contracted the human immunodeficiency virus seven or eight years ago — when no insurers were testing — and still not show symptoms of AIDS today That leaves insurers in the dark as to how many of their they are far from alone in worrying about their bank accounts The estimated cost of treat ing an AIDS patiat is about $40000 a year The average cost of hospitalization over the course of a patiat's illness is about $100000 according to the Presidential Commission on the Human Immunodeficiency Virus Epidemic A 1985 study by the National Association of Public Hospitals showed that 54 percent of the nation's AIDS patients were covered by Medicaid 17 percent by private insurance and 17 percent were responsible for s” “The number of AIDS claims is growing and will continue to grow as the disease begins to take its toll on the population" she said hue conn ns CLOGGING dSweehWdKndfle PfMcraat vUUf I4M NUgwi 753-503- 245-479- 5 pe-HismK- ua FairS Rodeo Aug 11121Mi 0 er VHS VCRs With IX WRh Ifcndy 1000 CU-- S Color Monitor Saws 200 1199® KirSSuS ®s IN tar North Low Aa SpecM Software Offer! 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