Wednesday, May 11, 2016

1%/yr increase in brain cancer in ages 15-19. $1.9 Bil. Brain Cancer Lawsuits. No insurance for cell carriers!

1%/yr increase in brain cancer in ages 15-19. $1.9 Bil. Brain Cancer Lawsuits. No insurance for cell carriers!

The study that appeared in Neuro-oncology that found that brain cancer is the most common cancer among 15-19 year olds is attached.  The study also showed that 32.4% of all cancers in children ages 0-14 are cancers of the brain and central nervous system.

Brain Tumor Rates Increasing in US
there has been a significant increase in the incidence of primary malignant brain and central nervous system (CNS) tumors in American children (0-14 years of age) between 2000-2010, with an annual percentage change (APC) of +0.6%/year. In adolescents (15-19 years old), there was a significant increase in the incidence of primary malignant brain and CNS tumors between 2000-2008, with an APC of 1.0%. Adolescents also experienced an increase in non-malignant brain and CNS tumors from 2004-2010, with an APC of 3.9%.  in a subsample of 556 youth for whom cell phone company records were available, there was a  significant association between the time since first mobile phone subscription and brain tumor risk. Children who used cellphones for 2.8 or more years were twice as likely to have a brain tumor than those who never regularly used cellphones (OR = 2.15, 95% CI = 1.07 to 4.29). See November 3, 2015 post at  (this website's author is Dr. Joel Moskowitz, who is the Director and Principal Investigator of the Center for Family and Community Health at UC Berkeley's School of Public Health

Brain Tumor Lawsuits
$1.9 billion in 13 lawsuits against Motorola and cell providers, centering around a Motorola handset technician developing brain cancer (he is dead now - the lawsuit was started 15 years ago)  Verizon indicates they "may incur significant expenses in defending these lawsuits,” Verizon wrote in its 2015 annual filing. “In addition, we may be required to pay significant awards or settlements.” 

So who will pay the $1.9 billion when Motorola and cell providers like Verizon lose their case?  Not insurance companies, because insurance companies won't insure for harm caused by RF wireless radiation!  Read below.

Opinions of Insurance Companies and AM BEST.  No Reinsurance available in case of future harm
Telecom companies are self-insured (a lot of big companies are self-insured), which means that they pay for insurance claims themselves.  Re-insurance companies back up self-insured companies in case they go bankrupt.  Major global re-insurance companies, Swiss Re and Lloyd's of London, do not cover for illnesses caused by continuous long-term non-ionising RF radiation exposure (which comes from cell towers) anymore. Since 1997, Swiss Re, one of the world's largest re-insurance companies, won't insure for health claims from cell phones   Since 1999 Lloyd's of London, the largest reinsurer in the world, stopped covering cell phone manufacturers for health claims related to cell phone use.  Lloyd's is known for taking on risky policies, stopped reinsuring for liability for electromagnetic wireless emissions starting February 2015.  Lloyd's of London, one of the largest insurers in the world, implemented the Electromagnetic Fields Exclusion.
The purpose of the exclusion is to exclude coverage for illnesses caused by continuous long-term non-ionising radiation exposure, which comes from cell phones, cell towers, all wireless devices (ipads, Wi-Fi laptops, Wi-Fi routers). This is very significant.  It means manufacturers of wireless devices, cell phone companies, and any businesses that use wireless devices where people are exposed are liable now for any health claims resulting from harm from their wireless devices.
Scroll to p. 7 of the A&E policy, item 32 Electromagnetic Fields, to see the wording,15,4168

Lloyd's and other large re-insurance companies such as Swiss Re have relied on their own studies and their own scientists (rather than those funded by cell phone companies, which is the source of most US studies) and have determined that they will not insure the big cell phone and telecommunications companies for the long-term health effects of wireless products. They are even modelling what a brain cancer epidemic between 2020 and 2030 will cost.

Furthermore, AM Best, an insurance rating company, is warning about financial risks for emerging technologies, including wireless radiation.   Here is a direct quote from AM BEST: Emerging technologies pose significant risks with possible long tail losses.  The risks associated with long-term use of cell phones is unknown, however what is known is the risk that cell tower workers face.  Thermal effects include eye damage, sterility, and cognitive impairments.  Insurance companies are in the
business of making money.  The higher the risk, the greater the potential profit.  If an insurance company won't insure a risk at any price, what does this tell you?

Vienna Medical University's study for Austrian Insurance Company
Here's a study published  in 2009 by Austrian Social Insurance for Occupational Risks, who commissioned the Vienna Medical University to do a study, which found that cell phone radiation has an impact on :
- central  nervous system (brain)
- immune system
- protein synthesis
You can read full details of the study here  Here's a Canadian news story broadcast on CBC about insurance companies not insuring for cell phone health claims and an interview with Dr. Mosgoller, who led the Vienna Medical University study

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