multiple sclerosis - scor global life americas · 2017-02-21 · multiple sclerosis a 32 year-old...
TRANSCRIPT
![Page 1: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/1.jpg)
Multiple Sclerosis
Dr. Richard Braun
VP & Chief Medical Officer,
SCOR Global Life Americas
![Page 2: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/2.jpg)
Welcome & Webinar Guidelines
Phones will be locked during the presentation
Please submit questions by using the question “?” function to type in your question
Question & Answers will be discussed at the end (time permitting)
Your comments are important to us; please complete the survey at the end of the webinar
![Page 3: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/3.jpg)
Introduction: Richard Braun, MD
1. Joined SCOR in 2013 as VP & Chief Medical Officer
2. 30 years industry experience
3. Frequent lecturer on wide range of underwriting & medical topics
4. Past President of the American Academy of Insurance Medicine (2002), currently VP of ACLI Medical Section
5. Certified by the Board of Insurance Medicine and the American Board of Internal Medicine in Internal Medicine & Insurance Medicine
![Page 4: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/4.jpg)
Multiple Sclerosis
A 32 year-old female, mother of 2 applies for life insurance.
Six months prior she noted an episode of double vision and
consulted with her OB/gyn physician. She ordered an MRI
of the brain with enhancement, and referred her to a
Neurologist. Other than routine childhood illnesses she had
always been in good health. Her FH was positive for MS
in her mother, who was living at age 60. Her only other
symptom was fatigue, which she thought was normal with
2 small children. The MRI report showed 2 hyperintense T2
lesions measuring .8 and 1 cm. The smaller lesion is in the
Pons, the larger lesion in the corpus callosum. Both lesions
showed moderate enhancement with gadolinium. There
were no records from the neurologist.
![Page 5: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/5.jpg)
Multiple Sclerosis
Review Brain Anatomy & Function
Multiple Sclerosis
Epidemiology
Etiology
Diagnosis
Natural History
Treatment
Risk of Progressive Multifocal Leukoencephalopathy
(PML)
Prognosis
5
![Page 6: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/6.jpg)
Human Brain
Consists of neurons, glial cells, and blood vessels
Consists of 86 billion neurons and 86 billion non-
neuronal cells
Weighs about 1.35 kg (3 lbs), roughly 2% of ideal
body weight
Volume is ~ 1200 cm3
About 19% of brain neurons are located in the
cerebral cortex (includes subcortical white matter)
About 80% of all brain neurons are in the cerebellum
Consumes 15% of cardiac output, 20% of total
oxygen consumption, and 25% of glucose utilization
6
![Page 7: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/7.jpg)
Human Brain
The parietal lobe contains areas involved in
somatosensation, hearing, language, attention, and
spatial cognition.
The frontal lobe functions to control attention, abstract
thinking, behavior, problem solving tasks, complex
physical reactions and personality.
The occipital lobe is the smallest lobe; its main functions
are visual reception, visual-spatial processing, and color
recognition.
The temporal lobe controls auditory and visual memories,
language, and some hearing and speech.
7
![Page 8: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/8.jpg)
Human Brain
8
![Page 9: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/9.jpg)
Human Brain
9
![Page 10: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/10.jpg)
Multiple Sclerosis
The frequency of MS varies geographically
In the US the estimated prevalence is 100 per 100,000 or 0.1%
Based on pooled prevalence analysis, the number of people with MS
in the world in 2013 was 2.0 million, compared to 1.8 million in 2008.
10
![Page 11: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/11.jpg)
Multiple Sclerosis
Female:Male affected ratio estimates range
from 1.4:1 to 3:1.
There is suggestive evidence that the
incidence of MS is increasing in females
Some studies indicate that the increase may
correspond to a shift from rural to urban
living
Sun exposure
Reduced exposure to pathogens
11
![Page 12: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/12.jpg)
Multiple Sclerosis
The mean age of onset for MS is from 28-31
with the range of 15 to 45 years.
Relapsing remitting averages 25-29 years
Secondary progressive at age 40-49 years
Primary progressive mean age of onset is 39-41
years
From the Nurses’ Health Study II, women
taking 400+ IU/day of vitamin D had relative
risk of .59 of developing MS
12
![Page 13: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/13.jpg)
Multiple Sclerosis
The cause of underlying MS is unknown
The most widely-held belief is an autoimmune reaction
Begins with auto-reactive lymphocytes causing inflammation
Later it is dominated by microglial activation and nerve cell
death
Other theories
Immune reaction to a chronic viral infection (none identified)
A genetically determined neuroglial degenerative process
Chronic cerebrospinal venous insufficiency (CCSVI)
13
![Page 14: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/14.jpg)
Multiple Sclerosis
MS is often associated with other autoimmune disorders
Psoriasis 7.7%
Thyroiditis 6.4%
Inflammatory Bowel Disease
Uveitis
Phemphigoid
Type 1 Diabetes
Familial MS frequency varies from 3% to 23%
Dizygotic twins (fraternal) or siblings risk is 3-5%
Monozygotic twins (identical) risk ranges from 20-39%
Environmental factors associated with MS
Latitude
Place of birth
Sunlight exposure & Vitamin D levels
Urbanization
14
![Page 15: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/15.jpg)
Multiple Sclerosis-Diagnosis
Typically presents as a young adult
Common Presenting Symptoms
15
Symptom Percent affected
Sensory issues in
limbs
31%
Almost all affected
at some time
Visual Loss 16%
Multiple Symptoms
at onset
14%
Subacute motor
issues
9%
Double Vision 7%
Gait disturbance 5%
Balance issues &
vertigo
5%
Motor issues acutely 4%
![Page 16: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/16.jpg)
Multiple Sclerosis - Diagnosis
16
Lhermitte sign – sensation of electric shock down the back
or arms with flexion of the neck (9%)
Uhthoff phenomena – increase in body heat worsen signs
and symptoms
![Page 17: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/17.jpg)
Multiple Sclerosis
More symptoms
Fatigue (in 86%, most distressful
symptom in 65%)
Depression (occurs in up to 2/3)
Cognitive Impairment (significant %
affected on neuropsych testing), it
correlates with the severity of MRI
cerebral lesions and cortical atrophy
17
![Page 18: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/18.jpg)
Multiple Sclerosis – List of demyelinating disorders
18
Other conditions that can cause
Plaques on MRI
Ischemia
Systemic Lupus
Bechet’s syndrome
Vasculitis
HTLV-1 infection
Sarcoidosis
Ischemia especially makes MRI
Less reliable for MS diagnosis
After age 50.
![Page 19: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/19.jpg)
Multiple Sclerosis
Clinically Isolated syndromes (CIS)
Single attack, typically with at least partial resolution
Optic neuritis, or a brainstem, cerebellar or spinal cord
syndrome
25% will have multifocal abnormalities
Sensory symptoms (numbness, tingling, radicular pain,
intense unilateral itching, etc.)
Weakness more often in the legs, abnormal reflexes
Diplopia
Vertigo
Problems with coordination
19
![Page 20: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/20.jpg)
Multiple Sclerosis
Radiologically Isolated Syndromes (RIS)
Typical T2 hyperintensities found incidentally
Ovoid, homogeneous, well-circumscribed lesions
with or without cerebellar involvement, > 3 mm
CNS white matter lesions do not follow a vascular
pattern
No history of clinical symptoms or neurological
dysfunction
No other cause of
demyelination apparent
20
![Page 21: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/21.jpg)
Multiple Sclerosis
21
Demyelinated
Plaques
![Page 22: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/22.jpg)
Multiple Sclerosis
Progression to MS – an active area of
research
Long-term (10-20 years)
CIS plus a lesion on MRI – 60-80% progress to
MS
CIS and normal MRI – 20% progression
RIS – 59% progressed, higher when enhanced
with gadolinium
RIS in the cervical spine 84% progressed in
median 3.3 years
22
![Page 23: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/23.jpg)
Multiple Sclerosis
Progression to MS
Isolated Optical neuritis
5 years – 30%
12 years – 40%
15 years – 50%
Isolated Optical Neuritis with 1 or more lesions on MRI
10 years – 56%
Acute transverse Myelitis (partial)
With brain MRI lesions 60-90% develop MS in 3-5 years
Without brain MRI lesions 10-30% develop MS
Treatment with interferon beta-1a (Avonex), glatiramer acetate,
or intravenous immune globulin (IVIG) has been shown to
reduce the progression of CIS to MS
23
![Page 24: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/24.jpg)
Multiple Sclerosis - Diagnosis
McDonald diagnostic criteria: requires
dissemination in both space and time
Dissemination in time
2 or more clinical attacks
Multiple MRI lesions, some of which enhance
with gladolinium, some do not enhance
Dissemination in space
Typical MRI hyperintense T2 lesions in 2 or
more typical areas (periventricular, juxtacortical,
infratentorial, or spinal cord)
24
![Page 25: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/25.jpg)
Multiple Sclerosis - Diagnosis
The McDonald Criteria – Dissemination in Space or time
One or more T2 (MRI) lesions in typical regions: periventricular;
juxtacortical; infratentorial; or spinal cord
Or MRI showing gadolinium enhancing and non-enhancing lesions
or new T2 lesions on sequential MRIs
May also be demonstrated with 2 or more clinical attacks over time
with the confirmation by MRI or cerebrospinal fluid findings
Plaques on MRI appear hyperintense on T2 weighted images
May be underestimated
Discrete region of demyelination
Newer lesions enhance with gadolinium
Oligoclonal bands in cerebrospinal fluid,
specificity ~ 92%
25
![Page 26: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/26.jpg)
Multiple Sclerosis
26Neurology 1983; 33:1444
![Page 27: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/27.jpg)
Multiple Sclerosis
27
50% at 9 years, ultimately
80%
May represent 15-17%
The longer without
progression and low EDSS,
the less likely
to progress
Malignant course (6-12%) – EDSS > 6 w/in 5 years of onset
![Page 28: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/28.jpg)
Multiple Sclerosis
Treatment
Immune Stimulation (e.g. IFN)
Immune modulators (e.g. glucocorticoids, IVIG,
Natalizumab, Rituximab)
Immune Suppression (e.g. methotrexate,
Mitoxantrone, cyclophosphamide, azathioprine,
cladribine)
Hematopoetic Stem Cell Transplant
28
![Page 29: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/29.jpg)
Multiple Sclerosis
Disease Modifying Therapy – Goals
Reduce number & severity of relapses and extend
time period between relapses
Extend the time to disability (slow progression)
Prevent new MRI lesions and/or reduce the current
lesions
29
![Page 30: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/30.jpg)
Multiple Sclerosis
Natalizumab and risk of Progressive Multifocal
Leukoencephalopathy (PML)
Natalizumib – recombinant monoclonal antibody
against integrin receptors on the surface of
lymphocytes and monocytes that play a role in
adhering to vascular endothelium
Thought to be one of the best disease modifying
therapies
In 2005 Natalizumab was withdrawn from the
market when 2 MS patients developed PML
Reintroduced in 2006 and by 2013, 398 cases of
PML associated with drug reported world wide
30
![Page 31: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/31.jpg)
Multiple Sclerosis
PML is a severe demyelinating disease of the central
nervous system
It almost always occurs in immunosuppressed individuals
(HIV, organ transplant, myeloproliferative diseases, etc.)
PML is caused by reactivation of the Polyomavirus JC (JC
virus)
JC virus infection is typically asymptomatic in childhood
JC virus antibodies found in ~ 86% of adults
PML may mimic MS relapse or exacerbation
Symptoms – altered mental status; weakness (mono or
hemi); ataxia; diploplia or visual field cuts
Imaging – PML lesions often unifocal, in the frontal lobes;
occur at the gray-white matter junction; may be large; may be
hyperintense on diffusion-weighted MRI sequences
31
![Page 32: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/32.jpg)
Multiple Sclerosis
PML diagnosis
JC virus DNA in the cerebrospinal fluid
Brain biopsy & immunochemistry
Prognosis of Natalizumab-associated
PML
> 80% survival at one year
Most survivors are moderately to severely
disabled
32
![Page 33: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/33.jpg)
Multiple Sclerosis
Risk of PML with Natalizumab treatment
The risk is increased by:
Previous JC virus infection
Prior immunosuppression
The length of time on Natalizumab
Lack of JCV antibodies a theoretic risk of <0.09 per
1000 (test has a 3% false negative rate)
Positive for JCV
33
Time No immunosuppression With immunosuppression
1-24 months 0.56 per 1000 1.6 per 1000
25-48 months 4.6 per 1000 11.1 per 1000
![Page 34: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/34.jpg)
Multiple Sclerosis
Stopping natalizumab quickly results in
immune reconstitution inflammatory
syndrome (IRIS)
Often has a reactivation of MS with
symptoms and enlarging lesions on MRI
(54% in one study)
Disease activity peaks at 4-7 months after
stopping
Rx for IRIS is IV corticosteroids
34
![Page 35: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/35.jpg)
Multiple Sclerosis
Worsening of disability in MS is variable
Bimodal distribution with EDSS score peaks at 1 and 6
One large study in British Columbia
Median time from MS onset to EDSS 6 (cane for walking) was 27.9 years
Median time from birth to EDSS 6 was 59 years (men 58.8, women 60.1)
35
![Page 36: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/36.jpg)
Multiple Sclerosis
Frequency of relapses
Average .4-.6 per year, highly variable
Higher frequency relapses may correlate to earlier
disability
Questionable relation between stressful life events
and relapses
Corticosteroids may relieve symptoms in the short
term, but do not affect the frequency of relapses
Disease Modifying Drugs (DMD) can reduce the
frequency of relapses, however there is no long
term data on progression to disability
36
![Page 37: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/37.jpg)
Multiple Sclerosis
37
Neurology. 2013 Jul 9; 81(2): 184–192.
![Page 38: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/38.jpg)
Multiple Sclerosis
38
PLOS ONE | DOI:10.1371/journal.pone.0132033 July 6, 2015
Factors increasing risk of death
- Male sex
- Older age at onset
- Primary Progressive
- Onset in an earlier year
![Page 39: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/39.jpg)
Multiple Sclerosis
39PLOS ONE | DOI:10.1371/journal.pone.0132033 July 6, 2015
![Page 40: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/40.jpg)
Multiple Sclerosis
40J Neurol (2014) 261:1508–1517
Index date < 50 years-old
Index date > 50 years-old
![Page 41: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/41.jpg)
41
J Neurol Neurosurg Psychiatry
2014;85:1091–1095.
doi:10.1136/jnnp-2013-307187
![Page 42: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/42.jpg)
Multiple Sclerosis
42
Neurology® 2012;78:1315–1322
![Page 43: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/43.jpg)
Multiple Sclerosis
43
Neurology. 2013 Jul 9; 81(2): 184–192.
![Page 44: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/44.jpg)
Multiple Sclerosis
A 32 year-old female, mother of 2 applies for life insurance.
six months prior she noted an episode of double vision and
consulted with her OB/gyn physician. She ordered an MRI
of the brain with enhancement, and referred her to a
Neurologist. Other than routine childhood illnesses she had
always been in good health. Her FH was positive for MS
in her mother, who was living at age 60. Her only other
symptom was fatigue, which she thought was normal with
2 small children. The MRI report showed 2 hyperintense T2
lesions measuring .8 and 1 cm. The smaller lesion is in the
Pons, the larger lesion in the corpus callosum. Both lesions
showed moderate enhancement with gadolinium. There
were no records from the neurologist.
![Page 45: Multiple Sclerosis - SCOR Global Life Americas · 2017-02-21 · Multiple Sclerosis A 32 year-old female, mother of 2 applies for life insurance. Six months prior she noted an episode](https://reader033.vdocuments.site/reader033/viewer/2022050417/5f8d6a657806da0cda49ecf7/html5/thumbnails/45.jpg)
Thank you for attending our webinar
Questions?
Please use the ? Function on your screen to type in a question.
Send questions later to [email protected]
Or call (913) 901-4749.
Copies of the presentation will be available on the Website:
http://www.scorgloballifeamericas.com/Publications/Pages/ScorCast-Webinars.aspx
Or they can be obtained from [email protected]
Your comments are important to us; please complete the survey at the end of
the webinar
You can help us pick future topics to meet your educational needs