- How life insurance prepares policyholders for the unexpected
- December 10, 2013
Some recent medical trends offer additional insight into why even younger and healthier people should consider investing in life insurance policies to secure long-term financial stability for their families.
According to the Centers for Disease Control and Prevention (CDC), each year in the United States, at least 2 million people become infected with bacteria that are resistant to antibiotics. Each year, at least 23,000 people die as a direct result of these infections. Antibiotic resistance infections have extended hospital stays and can enhance costly treatments; creating a real burden on our health care system.
According to Dr. Tom Frieden, Director at Centers for Disease Control, infections from resistant bacteria are too common. In addition, the loss of effective antibiotics will undermine the ability to fight infections, especially secondary ones that result in cancer patients undergoing chemotherapy and organ transplantation as well. As a result, using antibiotics to cure viral infections will not work and can lead to future antibiotic resistant infections.
Another common problem in hospitals and other institutions is Methicillin-Resistant Staphylococcus Aureus (MRSA), a so-called “superbug” that is resistant to many conventional antibiotics. In the community, most infections result in what looks like a spider bite on the skin. The area can be painful and swollen to the touch. Fevers can also accompany the skin infection. Sharing razors, towels, and actually touching the infected area can be contagious. MRSA can cause infections in the blood stream and pneumonia.
Unlike MRSA, Carbapenem-Resistant Enterobacteriaceae is much more complex, better known as CRE. This gram-negative bacillus was not seen in the US before 2000. Actually, this bacteria is part of our digestive system but if they move into the wrong organ, such as the bloodstream or bladder, they will create an infection resistant to many antibiotics. CRE infections are extremely difficult to treat and can be fatal. Given the unexpected tragedies that can befall people even when they undergo minor procedures at the hospital, it’s always best to be prepared with the right life insurance policy.
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