Public Health

As a result of the findings of a study recently released in the Morbidity and Mortality Weekly Report, the Centers for Disease Control (the “CDC”) has updated its guidance concerning the most effective masking techniques to afford protection against COVID-19 transmission. A copy of the study dated February 10, 2021 Maximizing Fit for Cloth and Medical Procedure Masks to Improve Performance and Reduce SARS-CoV-2 Transmission and Exposure, 2021 can be downloaded here: https://excelsioradvisory.com/wp-content/uploads/2021/02/mm7007e1-H.pdf. Specifically, the CDC...

Perhaps one of the most frustrating aspects of the COVID-19 outbreak is determining your “risk profile.” Am I at at high or low risk of getting the disease? What are the likely outcomes if I do become sick? Giving the nature of the COVID-19 pandemic, and pandemics generally, there is a scarcity of data available, particularly in real time. In addition, it is hard to assess the quality of the data that is available and...

An outcome of the COV-19 pandemic is the routine, and in many cases improper, use of personal protective equipment (PPE) by the general public.  This article will address some of the issues associated with such widespread deployment. A concept from the world of insurance, “moral hazard,” should be kept in mind.  Simply put, a moral hazard is when a person with insurance engages in more risky behavior then they otherwise would have because the behavior is...