Minnesotans Live a Long Time

The front page of the St. Cloud Times lists deaths in the area, and today’s caught my eye. It is accurately reproduced below, with the ages highlighted:

• Madolin Bay, 91, Glenwood
• Melvin Beranek, 84, Foley
• Doris Butcher, 88, Onamia
• Annie Francis (Saumer) Carlson, 94, Isle
• Ruth Christ, 90, Shakopee, formerly of Princeton
• Allyn Davidshofer, 89, Cold Spring
• Eldon H. Lockhart, 100, Sauk Rapids
• Norma Elaine (Soberg) Norling, 76, Brainerd
• Robert E. Riddle, Sr., 81, Little Falls
• Geraldine L. Wieczek, 85.

Wow. the lowest age was 76, the average was 87.8!

Is there something in the water up here? I’m sure the families of all these people are grieving their loss, but they must also be praising the long lives these folks had.

It got me thinking, how does life expectancy in Minnesota stack up? Pretty high on the list, according to a story from Business Week. The story noted:

Minnesota is one example of how income isn’t necessarily correlated with life expectancy. The Harvard study found that low-income, white rural populations in the North, including Minnesota, the Dakotas, Iowa, Montana, and Nebraska, have life expectancies of 76.2 years for men and 81.8 years for women. That’s substantially more than 98% of the average white population. Many counties in the “Land of 10,000 Lakes” fared well in life expectancy, but Nicollet County was the top at 81.1 years.

Here’s a chart ranking the states from a recent study:

Rank	State	Life Expectancy
1	Hawaii	80.0
2	Minnesota	78.8
3	Utah	78.7
4	Connecticut	78.7
5	Massachusetts	78.4
6	New Hampshire	78.3
7	Iowa	78.3
8	North Dakota	78.3
9	Rhode Island	78.3
10	California	78.2
11	Vermont	78.2
12	Colorado	78.2
13	Washington	78.2
14	Wisconsin	77.9
15	Idaho	77.9
16	Nebraska	77.8
17	Oregon	77.8
18	South Dakota	77.7
19	New York	77.7
20	Maine	77.6
21	Florida	77.5
22	Arizona	77.5
23	New Jersey	77.5
24	Kansas	77.3
25	Montana	77.2
26	Alaska	77.1
27	New Mexico	77.0
28	Virginia	76.8
29	Delaware	76.8
30	Texas	76.7
31	Pennsylvania	76.7
32	Wyoming	76.7
33	Illinois	76.4
34	Michigan	76.3
35	Maryland	76.3
36	Ohio	76.2
37	Indiana	76.1
38	Missouri	75.9
39	Nevada	75.8
40	North Carolina	75.8
41	Georgia	75.3
42	Kentucky	75.2
43	Arkansas	75.2
44	Oklahoma	75.2
45	Tennessee	75.1
46	West Virginia	75.1
47	South Carolina	74.8
48	Alabama	74.4
49	Louisiana	74.2
50	Mississippi	73.6
51	District of Columbia	72.0

Data: Harvard University Initiative for Global Health and the Harvard School of Public Health

Life expectancy is something to which lawyers and insurers pay close attention. If a person suffers a permanent injury, that means they will carry that pain and suffering for a very long time. That’s one reason an insuarnce company will often pay a lot more for an injury to a 30-year-old than the identical injury to a 70-year-old.

But when highly qualified personal injury lawyers argue these claims with insurers, we point out a 70-year-old Minnesotan is just getting started!

We look for the opposite when a settlement is structured, as I pointed out in my Spring 2007 Practice Pointers Column:

Structured Settlement Specialist Tom Dunlap taught me another use of the [Life Expectancy] tables… When we buy structured settlements with lifetime benefits, we want the annuity company to use the lowest life expectancy, since this will tend to increase the amount of the periodic payments the company is willing to pay…. Tom indicates that an excellent specialist will investigate the medical records to see if there is anything that the insurer can use to reduce the life expectancy of the plaintiff. In many situations, the plaintiff receives millions of dollars more with a rated life expectancy!

Now, everything will be just fine if we can get Hawaiian InjuryBoard lawyer Wayne Parsons to lend us Minnesotans the weather they have in his #1 state.