What does a Morbidity Table show?

What does a Morbidity Table show?

• A. Life expectancy of a population
• B. Probability of death by age
• C. Probability of disability due to illness or injury
• D. Average medical costs per patient

Answer: (C)

A Morbidity Table shows the chance of becoming disabled due to illness or injury, broken down by age. It’s about the probability of disability, not how long someone will live or how much medical care costs. This is why it’s used for things like disability insurance underwriting and pricing, where the key question is “what is the likelihood that a person will experience a period of disability?” In contrast, life expectancy and the probability of death by age come from a mortality (life) table, which focuses on survival and death risks. Average medical costs per patient isn’t what a morbidity table measures; that kind of data relates to costs rather than the probability of disability.

A Morbidity Table shows the chance of becoming disabled due to illness or injury, broken down by age. It’s about the probability of disability, not how long someone will live or how much medical care costs. This is why it’s used for things like disability insurance underwriting and pricing, where the key question is “what is the likelihood that a person will experience a period of disability?”

In contrast, life expectancy and the probability of death by age come from a mortality (life) table, which focuses on survival and death risks. Average medical costs per patient isn’t what a morbidity table measures; that kind of data relates to costs rather than the probability of disability.