3 ms·

This condensed several of my own musings into one well-reasoned comment. Do you think there's anything ProjectionLab could/should try to do with the concept of

This condensed several of my own musings into one well-reasoned comment. Do you think there's anything ProjectionLab could/should try to do with the concept of health-span?

themacguffinman 5y ago
Not sure, maybe lifespan estimates based on current behavior could be handy. Eg are you a smoker? Are you regularly physically active? What's your race, occupation, etc? I think chronic conditions are also hard to plan for in your head, so some preset stats-based options for medical costs could be helpful. No one intuitively imagines it'll happen to them but something like 60% of 65yo+ adults managed 2 or more chronic conditions, which are conditions like heart disease, diabetes, strokes, and of course cancer. It's more likely than you think. Stuff like cancer won't just kill you sooner, it'll bleed you dry towards the end of your life as you attempt all manner of surgeries and treatments to delay the end.
- scubakid 5y ago
  I dread the idea of having to navigate the current US healthcare system in circumstances like that. One drawback that occurs to me about the idea of projecting lifespan/healthspan is that with the data you'd need, you get into PHI territory pretty quickly right?
  - themacguffinman 5y ago
    Yeah that's probably protected data. I'm not a lawyer but maybe it could still work if you don't store the health data and just use it to locally generate adjustments (or maybe just store the health parts in-browser but keep the generated financial adjustments in the cloud). The more accurate your projection model, the more personal data it'll have to factor in.
    - scubakid 5y ago
      Anyone happen to know what the standard is for when something officially counts as data collection? i.e. do you always have to send things sever-side before it counts? With all the fuss about things like cookies, I wouldn't even be that surprised if a form input that went nowhere could somehow still get you in trouble.
  - fsflyer 5y ago
    What opensocialsecurity[0] does is sufficient for most folks. Mike has a choice of five different mortality tables. [0] https://github.com/MikePiper/open-social-security/blob/master/src/app/mortality.service.ts https://github.com/MikePiper/open-social-security/blob/maste...
    - scubakid 5y ago
      Letting the user pick from preset mortality tables seems like a pretty sensible approach to me. Thanks for the link; bookmarked!

This condensed several of my own musings into one well-reasoned comment. Do you think there's anything ProjectionLab could/should try to do with the concept of health-span?

themacguffinman 5y ago

Not sure, maybe lifespan estimates based on current behavior could be handy. Eg are you a smoker? Are you regularly physically active? What's your race, occupation, etc? I think chronic conditions are also hard to plan for in your head, so some preset stats-based options for medical costs could be helpful. No one intuitively imagines it'll happen to them but something like 60% of 65yo+ adults managed 2 or more chronic conditions, which are conditions like heart disease, diabetes, strokes, and of course cancer. It's more likely than you think. Stuff like cancer won't just kill you sooner, it'll bleed you dry towards the end of your life as you attempt all manner of surgeries and treatments to delay the end.

scubakid 5y ago
I dread the idea of having to navigate the current US healthcare system in circumstances like that. One drawback that occurs to me about the idea of projecting lifespan/healthspan is that with the data you'd need, you get into PHI territory pretty quickly right?
- themacguffinman 5y ago
  Yeah that's probably protected data. I'm not a lawyer but maybe it could still work if you don't store the health data and just use it to locally generate adjustments (or maybe just store the health parts in-browser but keep the generated financial adjustments in the cloud). The more accurate your projection model, the more personal data it'll have to factor in.
  - scubakid 5y ago
    Anyone happen to know what the standard is for when something officially counts as data collection? i.e. do you always have to send things sever-side before it counts? With all the fuss about things like cookies, I wouldn't even be that surprised if a form input that went nowhere could somehow still get you in trouble.
- fsflyer 5y ago
  What opensocialsecurity[0] does is sufficient for most folks. Mike has a choice of five different mortality tables. [0] https://github.com/MikePiper/open-social-security/blob/master/src/app/mortality.service.ts https://github.com/MikePiper/open-social-security/blob/maste...
  - scubakid 5y ago
    Letting the user pick from preset mortality tables seems like a pretty sensible approach to me. Thanks for the link; bookmarked!