Actuaries can analyze healthcare trends to determine if rates are reasonable and if reserves are adequate. In this talk, we will provide a framework of methods to analyze the healthcare trend during the pandemic. COVID-19 may influence future healthcare cost trends in many ways. First, direct COVID-19 costs may increase the amount of total experienced healthcare costs. However, with the implementation of social distancing, the amount of regularly scheduled care may be deferred to a future date. There are also many unknown factors regarding the transmission of the virus. Implementing epidemiology models allows us to predict infections by studying the dynamics of the disease. The correlation between infection amounts and hospitalization occupancies provide a methodology to estimate the amount of deferred and recouped amounts of regularly scheduled healthcare costs. Thus, the combination of the models allows to model the healthcare cost trend impact due to COVID-19.

Music streaming services have affected the music industry from both a financial and legal standpoint. Their current business model affects stakeholders such as artists, users, and investors. These services have been scrutinized recently for their imperfect royalty distribution model. Covid-19 has made these discussions even more relevant as touring income has come to a halt for musicians and the live entertainment industry. <br/>Under the current per-stream model, it is becoming exceedingly hard for artists to make a living off of streams. This forces artists to tour heavily as well as cut corners to create what is essentially “disposable art”. Rapidly releasing multiple projects a year has become the norm for many modern artists. This paper will examine the licensing framework, royalty payout issues, and propose a solution.

The ongoing Global Coronavirus Pandemic has been upheving social norms for over a year at this point. For countless people, our lives look very different at this point in time than they did before the pandemic began. Quarantine, Shelter in Place, Work from Home, and Online classes have led global populations to become less active leading to an increase in sedentary lifestyles. The final impact of this consequence is unknown, but emerging studies have led to concrete evidence of decreased physical and mental wellbeing, particularly in children. VirusFreeSports was the brainchild of three ASU Honors students who sought to remedy these devastating consequences by creating environments where children can participate in sports and exercise safely, free of the threat COVID-19 or other transmissible illnesses. The ultimate goal for the project team was to build traction for their idea, which culminated in a video pitch sent to potential investors. Although largely created as an exercise and we did not create a full certification course, merely a prototype through a website with sample questions to gauge interest, the project was a success as a large target market for this product was identified that showed great promise. Our team believes that early entrance to the market, as well as the lack of any other competitors would give the team a tremendous advantage in creating an impactful and influential service.

Through this creative project, I analyzed how COVID-19 has affected the theatre industry. I created a mini-documentary following ASU’s production of Runaways, which was performed without an audience. The final product was a combination of pre-filmed and self-taped scenes. I documented how students were still able to learn and cultivate their skills during a time where most things are virtual. In addition, I analyzed how the shift to filmed theatre has changed the definition of live theatre, including increased accessibility. I also explored the importance of theatre through analyzing the themes of musical theatre performances such as Rent and Runaways. During a time where people cannot gather, artists are still finding a way to create and tell stories.

The COVID-19 pandemic places significant strain on the U.S. healthcare system due to the high number of coronavirus cases. During the pandemic, there was much unknown about the virus, its course of the disease, COVID-19 diagnosis, treatments, or other imperative information needed to contain the virus. Resources within the healthcare system, such as PPE and healthcare workers, were in short supply and exacerbated the difficulty of managing the viral outbreak. Peer-reviewed articles suggest that telehealth, the application of electronic information and telecommunication technologies in healthcare, proved useful in public health and clinical care during the 2020 public health emergency due to a novel virus. The scoping review broadly assessed themes of telehealth’s strengths and weaknesses during the COVID-19 pandemic. These findings could suggest how virtual medicine may be a helpful tool to improve access in addition to the quality of care in the future of medicine. Assessments of case studies suggest that telehealth helped provide care to large patient volumes by aiding with communication, data collection, triage, remote patient monitoring, and critical care. Limitations of expanding telehealth subsequent to the pandemic include, but not limited to, a lack of national standards for practice and restrictions of utility for certain populations. Populations may include those with low socioeconomic status, specific cultural practices, and beliefs, or physical and cognitive ability barriers. Outlining the benefits and limitations of telehealth may suggest how virtual medicine can provide valuable in day-to-day medical practices and other pathogenic outbreaks.

The COVID-19 pandemic has and will continue to radically shift the workplace. An increasing percentage of the workforce desires flexible working options and, as such, firms are likely to require less office space going forward. Additionally, the economic downturn caused by the pandemic provides an opportunity for companies to secure favorable rent rates on new lease agreements. This project aims to evaluate and measure Company X’s potential cost savings from terminating current leases and downsizing office space in five selected cities. Along with city-specific real estate market research and forecasts, we employ a four-stage model of Company X’s real estate negotiation process to analyze whether existing lease agreements in these cities should be renewed or terminated.

The COVID-19 pandemic has and will continue to radically shift the workplace. An increasing percentage of the workforce desires flexible working options and, as such, firms are likely to require less office space going forward. Additionally, the economic downturn caused by the pandemic provides an opportunity for companies to secure favorable rent rates on new lease agreements. This project aims to evaluate and measure Company X’s potential cost savings from terminating current leases and downsizing office space in five selected cities. Along with city-specific real estate market research and forecasts, we employ a four-stage model of Company X’s real estate negotiation process to analyze whether existing lease agreements in these cities should be renewed or terminated.

Due to the Covid-19 pandemic, healthcare professionals including occupational therapy practitioners (OTPs) were required to transition to working utilizing an online-service delivery model called telehealth. The use of telehealth for occupational therapy (OT) sessions was limited prior to the pandemic, and this shift required OTPs to provide services in ways many had never experienced. The purpose of this study was to identify how the transition to telehealth impacted OTPs and their ability to provide proper care to the pediatric population via telehealth. The final analytic sample included 32 female OTPs who worked with the pediatric population. Results from qualitative and quantitative analyses showed that OTPs had positive feelings toward using telehealth and that the telehealth modality had a moderate impact on their job performance. The areas that pediatric OTPs want to be addressed included technology and internet issues, lack of parent involvement, decreased quality of care, inaccessibility of materials, decreased attention span and increased distractions, and lack of general knowledge about telehealth among clients, parents, and professionals. Despite these drawbacks, a positive theme emerged that the telehealth model is good for current circumstances. The results show telehealth is a positive experience for OTPs and allows OT to be more accessible to their clients. Implications for increasing education for healthcare professionals, clients, and parents/guardians to make telehealth accessible to clients on a large scale are discussed.

The present study explored the relationship between desired purchasing behavior and individual differences using two nationally-representative, longitudinal samples of the U.S. population early in the COVID-19 pandemic. Past research has shown that individual differences provide information about how one might respond to threat. Therefore, we predicted changes in desired purchasing behavior across different sociodemographic variables that might reflect those differences. Specifically, we investigated hypotheses related to political orientation, age, sexual orientation, socioeconomic status, and whether or not the participant had children. We measured participants’ reported desired purchasing behavior across eleven categories of goods and investigated the connection between specific demographic variables and desired purchasing behavior. We found that conservatives desired to purchase more basic protection goods (guns/ammunition, cash, gas) and that older people desired to purchase more cleaning supplies and toiletries. These findings illustrate possible explanations for purchasing behavior during the COVID-19 pandemic and reveal directions for marketing designed to influence purchasing behavior.