Anonymous ID: cfd1e5 Jan. 26, 2021, 8:42 p.m. No.12727376   🗄️.is 🔗kun

Profit Motive Hidden From PatientsNovember 11, 2005 Back when CBS used to do real news

Two of the U.S. government's premier infectious disease researchers are collecting royalties on an AIDS treatment they're testing on patients using taxpayer money. But patients weren't told on their consent forms about the financial connection. Drs. Anthony Fauci and H. Clifford Lane, who helped invent the experimental interleukin-2 treatment being tested around the globe, even tried to alert patients about their royalties but were rebuffed by their own agency. They're hardly alone.

-More than 900 current and former scientists at the National Institutes of Health legally collected $8.9 million in such royalties last year for drugs and inventions they discovered while working for the government, according to information obtained by The Associated Press.But until last week, none was required to tell patients about their royalties despite the government's promise in May 2000 that all scientists' financial stakes would be disclosed to patients.

-That's because NIH didn't get around to enacting a policy requiring the disclosure until after AP requested the royalty payments and disclosure policies under the Freedom of Information Act in December. The policy was formally distributed last week.The nearly five-year delay means hundreds, perhaps thousands, of patients in NIH experiments made decisions to participate in experiments that often carry risks without full knowledge about the researchers' financial interests. "Quite frankly, we should have done it more quickly. But as soon as Director (Elias A.) Zerhouni found out about it, he ordered it done immediately," NIH spokesman John Burklow said.

-Ethics experts said the delay ran contrary to a basic premise of government ethics — open and full disclosure."It's hard for patients to make an informed decision when they don't have all the information," said Bill Allison of the Center for Public Integrity, which monitors the ethics of government employees. "When a doctor says, 'Here, try this experiment, it is safe, or it will help,' and the patient isn't aware he has a financial interest in the outcome of that treatment, it in essence is taking advantage of someone by not letting them have all the information," Allison said. In all, 916 current and former NIH researchers are receiving royalty payments for drugs and other inventions they developed while working for the government. They can collect up to $150,000 each a year, but the average is about $9,700, officials said. In 2004, these researchers collected a total of $8.9 million. Only a dozen received the legal maximum. The government owns the patents and the scientists are listed as inventors so they can share in licensing deals struck with private manufacturers. In addition to the inventors' take, the government received $55.9 million in royalties for the same inventions and put that money back into research. Fauci and Lane have each received $45,072.82 in royalties since 1997 when the government licensed the treatment they invented to drug maker Chiron Corp.RightBoth doctors said they, too, were concerned about the appearance of a conflict of interest since the NIH division they oversee has been spending $36 million to test interleukin-2 on patients. As a result, they took steps on their own to address the problem while NIH delayed in enacting a policy. For instance, the National Cancer Institute was brought in to independently review and approve the research in advance.

LyarAnd Fauci tried to give back the royalty money he got from the interleukin-2 treatment and to disclose the payments on his public ethics forms. Both times he was rebuffed by his own agency, which declared he could do neither under the law. So his only option was to donate all the money he has received since 1997 to charity. "I'm going to give every penny of it to charity," Fauci said in an interview. Lane is keeping his royalties, but said he pressed for years for a disclosure policy and occasionally gave interleukin-2 patients scientific journal articles that mentioned he was the inventor on the treatment's patent. Both acknowledged they were unwilling to tell interleukin-2 patients about the royalties on consent forms until NIH developed its policy. Both will do so from now on."We were reluctant to make a formal policy until the broad policy came down from the department and NIH,"Fauci explained. Their case illustrates the gulf between what the government promised nearly five years ago in the midst of controversy and what actually has been done. Then-Health and Human Services Secretary Donna Shalala pledged "that any researchers' financial interest in a clinical trial be disclosed to potential participants."

NIH, however, didn't order the disclosure until last week's policy.

Look who wrote this: By JOHN SOLOMON

Anonymous ID: cfd1e5 Jan. 26, 2021, 9:13 p.m. No.12727603   🗄️.is 🔗kun

>>1272731 I'm a life insurance employee benefits broker, there's no exclusion on pandemics

 

By Dell Markey

What Life Insurance Is There Available for Disabled Persons?

Always read your life insurance policies thoroughly so you will be aware of any exclusions.

 

In life insurance, an exclusion is a cause of death that releases the insurance company from having to pay the death benefit to an insured person's beneficiary. The only common exclusion in today's term life insurance policies is suicide. Older term life insurance policies are more likely to exclude anything from dangerous activities to HIV/AIDS. Exclusions will be clearly stated in your life insurance policy. It's always a good idea to make yourself aware of any exclusions in your term life policy.

 

Suicide Exclusion

 

Most term life insurance policies include a suicide exclusion. This exclusion protects insurance companies from having to pay the insured's beneficiary if the insured person commits suicide during the first year or two after the policy is in force. The amount of time suicide can be excluded is governed by the laws of the state in which the policy is purchased. If a person with term life insurance commits suicide during the exclusion period, the insurance company will refund the premiums paid to the beneficiary but will not pay the death benefit.

Act of War Exclusion

 

Act of war exclusions protect insurance companies from having to pay death benefits to beneficiaries if the insured person dies as an act of war. This generally includes acts of war domestically or abroad. Act of war exclusions were common in term life insurance policies sold before the 1970s . Most insurance policies sold today don't have this exclusion, but it's always important to double-check your policy, especially if the insured person is in the military or another profession that's likely to expose him to acts of war.

Dangerous Activities

 

Some term life insurance policies contain exclusions for specific dangerous activities. Like most other exclusions, these exclusions are less common than they used to be. Activities that were commonly excluded in life insurance policies included SCUBA diving, race car driving, rock climbing and aviation. Policies that exclude dangerous activities must plainly state what types of activities are excluded. In some cases, life insurance companies simply refuse to insure those who engage in dangerous activities.

Rating

 

It's increasingly rare for a term life insurance company to refuse to insure people because of dangerous activities or to include exclusions other than suicide exclusions in their policies. However, insurance companies do typically ask people about their involvement in risky activities before selling them insurance. Insurance companies typically "rate" those who are involved in risky activities, charging them a "flat extra." This means that the insured can get coverage and that the term life insurance will still pay if the insured dies because of the risky activity, but that the insurance will cost more.

Anonymous ID: cfd1e5 Jan. 26, 2021, 9:15 p.m. No.12727630   🗄️.is 🔗kun   >>7654

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Anonymous ID: cfd1e5 Jan. 26, 2021, 9:45 p.m. No.12727862   🗄️.is 🔗kun   >>7870 >>7900

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Anonymous ID: cfd1e5 Jan. 26, 2021, 9:56 p.m. No.12727920   🗄️.is 🔗kun   >>7927 >>7928 >>7943 >>7946

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APHA at 12.97 is another one.

 

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