You'd get a check so long as risk is over a threshold, without regard to how far above it is. If harm is "dead at 30" vs "dead at 45", that's an extra 15 years

You'd get a check so long as risk is over a threshold, without regard to how far above it is. If harm is "dead at 30" vs "dead at 45", that's an extra 15 years lost, so harm should go up linearly.