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Medical bankruptcies occur when an individual experiences an acute or chronic health event, and the costs of care exceed the individual’s ability to pay. In such cases, the individual typically files for bankruptcy. There is an extensive literature that estimates the prevalence of medical bankruptcy, but studies either select a population whose medical care is extremely expensive or chooses ad hoc thresholds for medical bankruptcy categorizations. In both cases, the prevalence of medical bankruptcy is biased. The purpose of this paper is to estimate the actual prevalence of medical bankruptcies in a manner that avoids these limitations.

Data are randomly drawn from a single US Bankruptcy Court district. Following the literature, an ad hoc threshold of medical debts which places the bankruptcy filer “at risk” for a medical bankruptcy is postulated. Misclassification analyses are used to estimate the likelihood of a medical bankruptcy filing while adjusting for the use of ad hoc thresholds.

The naive prevalence of medical bankruptcy is 23.1 percent, but exceeds 50 percent when accounting for misclassification. Many individuals are “ostensibly” medically bankrupt. They are already seriously indebted, and any outside financial shock, including but not limited to medical bills, can push these debtors into insolvency.

Bankruptcy is an important social safety net. An improved understanding of the types and magnitudes of medical debts which precipitate a bankruptcy filing can lead to policies that improve outcomes for bankruptcy filers and reduce the social costs of bankruptcy.

The purpose of this paper is to assess the feasibility and comparability of daily self‐report and objective measures of work performance in complex office tasks, and factors affecting the correlation between these measures.

Medical bill auditors provided daily information for 12 weeks through interactive voice response (IVR) on their speed, concentration and accuracy at work, compared to their best job performance.

The paper found that 124 of 142 recruited subjects (87 percent) completed > 50 percent of daily IVR reports. Concentration, speed and accuracy were highly inter‐correlated (R=0.75), and right‐skewed (mean speed=7.7, SD=1.5). Mean adjusted daily productivity rate (MAP) was 34 bills/hour (range 4.7 to 111, SD12.6, 61 percent within‐person variation). Subject‐specific speed – MAP correlation varied from R=−0.20 to +0.75 (mean, 0.28). Health status, years on job, age, IVR completion rate, site, month of study, or total hours worked were not associated with these variations.

This paper provides an unprecedented level of detail in the comparison of self‐reported and objective daily measures of work performance, demonstrates the feasibility of data collection and analysis, and identified significant inconsistencies among workers in the correlation between the two types of measures. Results demonstrated that daily self‐reports cannot be used as a direct surrogate for objective performance measures.

The study assesses public health programs to shed light on the experiences of low-income and minority women with children seeking health services. Thirteen focus groups were conducted with 111 pregnant women or women with children. Women consumers of public health services experience difficulties accessing health services due to a lack of insurance, information and language barriers about programs and eligibility, a shortage of Medicaid providers and specialist services, long waits, bureaucratic barriers, and dismissive treatment. Accessibility and information barriers were more prominent in rural regions whereas bureaucratic barriers were more pronounced in urban areas. Lower satisfaction with services was reported among ethnic minority women compared to whites.

The purpose of this paper is to investigate first, the consumer buying behaviour and claims pattern of medical and health insurance (MHI)/medical and health takaful (MHT) policies and second, to determine whether moral hazard exists among policyholders at the time of application for the product and during claiming for compensation.

The study was conducted on respondents from the insurance industry in Malaysia.

It was found that most claims were rejected due to the discovery of some irregularities by the managed care organizations (MCO) while the Islamic insurer's claims experience, was otherwise. During the buying behaviour stage of MHT, there are fewer tendencies to withhold information but during the claiming stage, due to the generous level of compensation and their awareness of the coverage available naturally influence them to submit excessive claims. To a certain extent moral hazard is present when claims are made for longer disability durations than necessary, and having high average claims per person even for shorter duration disabilities.

The paper concentrates only on the MHI/MHT in Malaysia.

The results provide insights on how the Malaysian insurance industry and other organizations of a similar structure could improve on their business performance.

This paper is perhaps one of the first to address adverse selection and its consequences on MHI/MHT in Malaysia.

The sequence of stress, distress and somatization has occupied much of the late twentieth-century psychological research. The anatomy of stress can be viewed from interactional and hybrid theories that suggest that the individual relates with the surroundings by buffering the harmful effects of stressors. These acts or reactions are called coping strategies and are designed as protection from the stressors and adaptation to them. Failure to successfully adapt to stressors results in psychological distress. In some individuals, elevated levels of distress and failed coping are expressed in physical symptoms, rather than through feelings, words, or actions. Such “somatization” defends against the awareness of the psychological distress, as demonstrated in the psychosocial literature. The progression of behavior resulting from somatic distress moves from a private domain into the public arena, involving an elaborate medicalization process, is however less clear in sociological discourse. The invocation of a medical diagnosis to communicate physical discomfort by way of repeated use of health care services poses a major medical, social and economic problem. The goal of this paper is to clarify this connection by investigating the relevant literature in the area of women with breast cancer. This manuscript focuses on the relationship of psychological stress, the stress response of distress, and the preoccupation with one’s body, and proposes a new theoretical construct.

This paper examines the role of professional associations, governmental agencies, and international accounting and auditing bodies in promulgating standards to deter and detect fraud, domestically and abroad. Specifically, it focuses on the role played by the US Securities and Exchange Commission (SEC), the American Institute of Certified Public Accountants (AICPA), the Institute of Internal Auditors (IIA), the Institute of Management Accountants (IMA), the Association of Certified Fraud Examiners (ACFE), the US Government Accounting Office (GAO), and other national and foreign professional associations, in promulgating auditing standards and procedures to prevent fraud in financial statements and other white‐collar crimes. It also examines several fraud cases and the impact of management and employee fraud on the various business sectors such as insurance, banking, health care, and manufacturing, as well as the role of management, the boards of directors, the audit committees, auditors, and fraud examiners and their liability in the fraud prevention and investigation.

Blockchain technology, a key feature of the fourth industrial revolution, is receiving widespread attention and exploration around the world. Taking the coronavirus pandemic as an example, the purpose of this study to examine the application of blockchain technology from the perspective of epidemic prevention and control.

Exploring multiple case studies in the Chinese context at various stages of deployment, this study documents a framework about how some of the major challenges associated with COVID-19 can be alleviated by leveraging blockchain technology.

The case studies and framework presented herein show that utilization of blockchain acts as an enabler to facilitate the containment of several COVID-19 challenges. These challenges include the following: complications associated with medical data sharing; breaches of patients' data privacy; absence of real-time monitoring tools; counterfeit medical products and non-credible suppliers; fallacious insurance claims; overly long insurance claim processes; misappropriations of funds; and misinformation, rumors and fake news.

Blockchain is ushering in a new era of innovation that will lay the foundation for a new paradigm in health care. As there are currently insufficient studies pertaining to real-life case studies of blockchain and COVID-19 interaction, this study adds to the literature on the role of blockchain technology in epidemic control and prevention.

Beneficiary photos on charity appeals are believed to engender prosocial behavior. This study explores photo framing of healthy and unhealthy beneficiary photos in the context of photo-rich online medical crowdfunding. Based on framing theory, emphasis framing effect (i.e. unhealthy photos only vs both healthy and unhealthy photos) and equivalency framing effect (i.e. healthy photos prior to unhealthy photos vs unhealthy photos prior to healthy photos) are identified.

A scenario-based experiment with 135 participants was used to empirically test the proposed research hypotheses. The subjects were randomly assigned to three treatment groups, with 45 subjects in each group. ANOVA, linear regression, and multiple mediation analysis were used to analysis data.

The results reveal that disclosing both healthy and unhealthy photos can elicit stronger sympathy and perceived need than merely disclosing unhealthy photos. Moreover, the order of unhealthy photos prior to healthy photos leads to a higher level of sympathy than the order of healthy photos prior to unhealthy photos. Furthermore, sympathy and perceived need are positively related to donation intention.

First, this study extends the photo-related research limited to certain characteristics of a single photo to the sequence effect of multiple photos. Second, this study contributes to framing theory by introducing photo framing, particularly the equivalence and emphasis framing effect of beneficiary photos. Finally, this study reveals the emotional and cognitive routes through which beneficiary photos stimulate prosocial behavior. It also offers practical guidance in the aspects of the framing effect of beneficiary photos for crowdfunding management.