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Gastro or endometriosis? How your GP discusses uncertainty can harm your health

<p>You wake with stomach pain that worsens during the day and decide to see your doctor. You describe your symptoms and your doctor examines you. Then the doctor says, “From what I hear, I think you could just have a stomach bug. Rest and come back in three days.”</p> <p>This might be a less definitive answer than you’re after. But doctors can’t always be sure of a diagnosis straight away. As <a href="https://link.springer.com/article/10.1007/s11606-022-07768-y">my review</a> shows, doctors use various ways of communicating such uncertainty.</p> <p>Sometimes there is a mismatch between what doctors say when they’re uncertain and how patients interpret what they say, which can have harmful consequences.</p> <h2>Why does uncertainty matter?</h2> <p>Doctors <a href="https://link.springer.com/article/10.1007/s11606-017-4164-1">cannot always explain</a> what your health problem is or what caused it. Such diagnostic uncertainty is a normal and <a href="https://doi.org/10.1001/jama.2022.2141">ever-present part</a> of the processes leading to a diagnosis. For instance, doctors often have to rule out other possible diagnoses before settling on one that’s most likely.</p> <p>While doctors ultimately get the diagnosis right <a href="http://dx.doi.org/10.1136/bmjqs-2012-001615">in 85-90%</a> of cases, diagnostic uncertainty can lead to diagnostic delays and is a huge contributor to harmful or even deadly misdiagnoses.</p> <p>Every year, <a href="https://www.mja.com.au/system/files/issues/213_07/mja250771.pdf">an estimated</a> 21,000 people are seriously harmed and 2,000-4,000 people die in Australia because their diagnosis was delayed, missed or wrong. That could be because the wrong treatment was provided and caused harm, or the right treatment was not started or given after the condition had already considerably progressed. More than <a href="https://www.mja.com.au/system/files/issues/213_07/mja250771.pdf">80% of diagnostic errors</a> could have been prevented.</p> <p>Three medical conditions – infections, cancer and major vascular events (such as strokes or heart attacks) – are the so-called “<a href="https://doi.org/10.1515/dx-2019-0019">Big Three</a>” and cause devastating harm if misdiagnosed.</p> <p>In my review, the top three symptoms – fever, chest pain and abdominal pain – were most often linked to diagnostic uncertainty. In other words, most of us will have had at least one of these very common symptoms and thus been at risk of uncertainty and misdiagnosis.</p> <p>Some groups are less likely to be diagnosed correctly or without inappropriate delay than others, leading to <a href="https://doi.org/10.1001/jama.2022.7252">diagnostic inequities</a>. This may be the case for <a href="https://www.liebertpub.com/doi/10.1089/whr.2022.0052">women</a>, and other groups marginalised because of their <a href="https://onlinelibrary.wiley.com/doi/10.1111/acem.14142">race or ethnicity</a>, <a href="https://doi.org/10.1016/j.socscimed.2020.113609">sexual orientation or gender identity</a>, or <a href="https://doi.org/10.1001/jama.2022.7252">language proficiency</a>.</p> <h2>How often do you hear ‘I don’t know’?</h2> <p>My research showed doctors often make diagnostic uncertainty clear to patients by using explicit phrases such as: “I don’t know.”</p> <p>But doctors can also keep quiet about any uncertainty or signal they’re uncertain in more subtle ways.</p> <p>When doctors believe patients prefer clear answers, they may only share the most likely diagnosis. They say: “It’s a stomach bug” but leave out, “it could also be constipation, appendicitis or endometriosis”. </p> <p>Patients leave thinking the doctor is confident about the (potentially correct or incorrect) diagnosis, and remain uninformed about possible other causes. </p> <p>This can be especially frustrating for patients with chronic symptoms, where such knowledge gaps can lead to lengthy diagnostic delays, as reported for <a href="https://doi.org/10.1016/j.ajog.2018.12.039">endometriosis</a>.</p> <p>Subtle ways of communicating uncertainty include hedging with certain words (could, maybe) or using introductory phrases (my guess, I think). Other implicit ways are consulting a colleague or the Internet, or making follow-up appointments.</p> <p>If patients hear “I think this could be a stomach bug” they may think there’s some uncertainty. But when they hear “come back in three days” the uncertainty may not be so obvious.</p> <p>Sharing uncertainty implicitly (rather than more directly), can leave patients unaware of new symptoms signalling a dangerous change in their condition.</p> <h2>What can you do about it?</h2> <p><strong>1. Ask about uncertainty</strong></p> <p>Ask your doctor to share any <a href="http://dx.doi.org/10.1515/dx-2021-0086">uncertainty and other diagnostic reasoning</a>. Ask about alternative diagnoses they’re considering. If you’re armed with such knowledge, you can better engage in your care, for example asking for a review when your symptoms worsen.</p> <p><strong>2. Manage expectations together</strong></p> <p>Making a diagnosis can be an evolving process rather than a single event. So ask your doctor to outline the diagnostic process to help manage any <a href="http://dx.doi.org/10.1136/ebm.14.3.66">mismatched expectations</a> about how long it might take, or what might be involved, to reach a diagnosis. Some conditions need time for symptoms to evolve, or further tests to exclude or confirm.</p> <p><strong>3. Book a long appointment</strong></p> <p>When we feel sick, we might get anxious or find we experience heightened levels of fear and other emotions. When we hear our doctor isn’t certain about what’s causing our symptoms, we may get even more anxious or fearful.</p> <p>In these cases, it can take time to discuss uncertainty and to learn about our options. So book a long appointment to give your doctor enough time to explain and for you to ask questions. If you feel you’d like some support, you can ask a close friend or family member to attend the appointment with you and to take notes for you.</p> <p><em>Image credits: Getty Images</em></p> <p><em>This article originally appeared on <a href="https://theconversation.com/gastro-or-endometriosis-how-your-gp-discusses-uncertainty-can-harm-your-health-196943" target="_blank" rel="noopener">The Conversation</a>. </em></p>

Caring

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Sun, sand and uncertainty: The promise and peril of a Pacific tourism bubble

<p>Pacific nations have largely <a href="https://www.nzherald.co.nz/world/news/article.cfm?c_id=2&amp;objectid=12328702">avoided</a> the worst health effects of COVID-19, but its economic impact has been devastating. With the tourism tap turned off, unemployment has soared while GDP has plummeted.</p> <p>In recent weeks, Fiji Airways laid off 775 employees and souvenir business Jack’s of Fiji laid off 500. In Vanuatu 70% of tourism workers have lost their jobs. Cook Islands is estimated to have experienced a <a href="https://www.newsroom.co.nz/2020/05/18/1177034/an-island-in-debt">60% drop in GDP</a> in the past three months.</p> <p>In response, many are calling for the Pacific to be included in the proposed <a href="https://www.stuff.co.nz/national/politics/121727144/coronavirus-transtasman-travel-bubble-date-down-to-australians-winston-peters-says">trans-Tasman travel corridor</a>. Such calls have come from <a href="https://devpolicy.org/vanuatu-a-tourism-sector-perspective-on-potential-recovery-from-covid-19-and-tc-harold-20200506-1/">tourism operators</a>, <a href="https://www.rnz.co.nz/international/pacific-news/418156/pressure-mounts-on-nz-and-aust-to-include-pacific-in-bubble">politicians</a> and at least one <a href="https://www.newsroom.co.nz/ideasroom/2020/05/28/1205479/nz-pacific-islands-bubble-should-come-first">health expert</a>.</p> <p>Quarantine concerns aside, there is economic logic to this. Australians and New Zealanders make up <a href="http://pacific.scoop.co.nz/2019/06/tourism-sector-achieves-3-16-million-visitor-arrivals-in-18/">more than 50%</a> of travellers to the region. Some countries are massively dependent: two-thirds of visitors to Fiji and three-quarters of visitors to Cook Islands are Aussies and Kiwis.</p> <p>Cook Islands has budgeted NZ$140 million for economic recovery, but this will increase the tiny nation’s debt. Prime Minister Henry Puna has <a href="https://www.newshub.co.nz/home/travel/2020/06/cook-islands-prime-minister-calls-for-pacific-bubble-as-soon-as-new-zealand-enters-covid-19-alert-level-1.html">argued for</a> a limited tourism bubble as soon as New Zealand relaxes its COVID-19 restrictions to alert level 1. Cook Islands News editor Jonathan Milne <a href="https://player.whooshkaa.com/coronavirus-nz?episode=665993">estimates</a> 75-80% of the population is “desperate to get the tourists back”.</p> <p>A Pacific bubble would undoubtedly help economic recovery. But this merely highlights how <a href="https://www.eco-business.com/opinion/impact-of-covid-19-on-tourism-in-small-island-developing-states/">vulnerable</a> these island economies have become. Tourism <a href="https://www.researchgate.net/publication/337854342_Development_and_change_Reflections_on_tourism_in_the_South_Pacific">accounts</a> for between 10% and 70% of GDP and up to one in four jobs across the South Pacific.</p> <p>The pressure to reopen borders is understandable. But we argue that a tourism bubble cannot be looked at in isolation. It should be part of a broader strategy to diversify economies and enhance linkages (e.g. between agriculture and tourism, to put more local food on restaurant menus), especially in those countries that are most perilously dependent on tourism.</p> <p><strong>Over-dependence on tourism is a trap</strong></p> <p>Pacific nations such as Vanuatu and Fiji have recovered quickly from past crises such as the GFC, cyclones and coups because of the continuity of tourism. COVID-19 has turned that upside down.</p> <p>People are coping in the short term by reviving subsistence farming, fishing and <a href="https://www.theguardian.com/world/2020/may/08/two-piglets-for-a-kayak-fiji-returns-to-barter-system-as-covid-19-hits-economy">bartering</a> for goods and services. Many are still suffering, however, due to limited state welfare systems.</p> <p>In Fiji’s case, the government has taken the drastic step of allowing laid-off or temporarily unemployed workers to withdraw from their superannuation savings in the National Provident Fund. Retirement funds have also been used to <a href="https://www.fijivillage.com/news/We-need-Fiji-Airways-to-come-back-strongly-for-the-future-of-the-country---Koroi-48r5xf/">lend FJ$53.6 million</a> to the struggling national carrier, Fiji Airways.</p> <p>Fiji has taken on more debt to cope. Its debt-to-GDP ratio, which ideally should sit below 40% for developing economies, has risen from 48.9% before the pandemic to 60.9%. It’s likely to <a href="http://www.economy.gov.fj/images/Budget/budgetdocuments/supplements/SUPPLEMENT-TO-THE-COVID-19-RESPONSE-BUDGET-ADDRESS.pdf">increase further</a>.</p> <p>High debt, lack of economic diversity and dependence on tourism put the Fijian economy in a very vulnerable position. Recovery will take a long time, probably requiring assistance from the country’s main trading partners. In the meantime, Fiji is pinning hopes on joining a New Zealand-Australia <a href="https://www.rnz.co.nz/international/pacific-news/416392/fiji-keen-to-join-nz-australia-travel-bubble">travel bubble</a>.</p> <p><strong>Out of crisis comes opportunity</strong></p> <p>Supporting Pacific states to recover is an opportunity for New Zealand and Australia to put their respective Pacific <a href="https://www.mfat.govt.nz/en/about-us/mfat-annual-reports/mfat-annual-report-2018-19/case-study-the-pacific-reset-a-year-on/">Reset</a> and <a href="https://www.dfat.gov.au/geo/pacific/Pages/the-pacific">Step-Up</a> policies into practice. If building more reciprocal, equitable relationships with Pacific states is the goal, now is the time to ensure economic recovery also strengthens their socio-economic, environmental and political infrastructures.</p> <p>Economic well-being within the Pacific region is already closely linked to New Zealand and Australia through seasonal workers in horticulture and viticulture, remittance payments, trade and travel. But for many years there has been a major trade imbalance in favour of New Zealand and Australia. Shifting that balance beyond the recovery phase will involve facilitating long-term resilience and sustainable development in the region.</p> <p>A good place to start would be the recent United Nations Economic and Social Commission for Asia and the Pacific <a href="https://www.unescap.org/sites/default/files/Policy%20brief_MPFD_Combating%20COVID-19%20in%20Asia%20and%20the%20Pacific%20updated.pdf">report</a> on recovering from COVID-19. Its recommendations include such measures as implementing social protection programs, integrating climate action into plans to revive economies, and encouraging more socially and environmentally responsible businesses.</p> <p>This is about more than altruism – enlightened self-interest should also drive the New Zealand and Australian agenda. Any longer-term economic downturn in the South Pacific, due in part to over-reliance on tourism, could lead to instability in the region. There is a clear <a href="https://www.weforum.org/agenda/2018/11/the-next-economic-crisis-could-cause-a-global-conflict-heres-why">link</a> between serious economic crises and social unrest.</p> <p>At a broader level, the pandemic is already <a href="https://asia.nikkei.com/Politics/International-relations/Coronavirus-gives-China-an-edge-as-it-expands-sway-in-the-Pacific">entrenching</a> Chinese regional influence: loans from China make up 62% of Tonga’s total foreign borrowing; for Vanuatu the figure is 43%; for Samoa 39%.</p> <p>China is taking the initiative through what some call “<a href="https://devpolicy.org/chinas-coronavirus-covid-19-diplomacy-in-the-pacific-20200527-1/">COVID-19 diplomacy</a>”. This involves funding pandemic stimulus packages and offering aid and investment throughout the Pacific, including drafting a <a href="https://www.fbcnews.com.fj/news/free-trade-agreement-talks-underway-between-fiji-and-china/">free trade agreement</a> with Fiji.</p> <p>That is not to say Chinese investment in Pacific economies won’t do good. Rather, it is an argument for thinking beyond the immediate benefits of a travel bubble. By realigning their development priorities, Australia and New Zealand can help the Pacific build a better, more sustainable future.</p> <p><em>Written by Regina Scheyvens and Apisalome Movono. Republished with permission of <a href="https://theconversation.com/sun-sand-and-uncertainty-the-promise-and-peril-of-a-pacific-tourism-bubble-139661">The Conversation.</a> </em></p> <p><em> </em></p>

Cruising

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Uncertainty has gripped the Australian retirement system

<p><em><strong>Susan Thorp is the Professor, Chair of Finance and Superannuation at the University of Technology Sydney.</strong></em></p> <p>Will extra debt neutralise increases in the superannuation contribution rate? Studies of retirees’ financial positions show that many people accumulate debt faster than they add to their super.</p> <p>Once they are old enough to access to their superannuation, they pay off their debt rather than create retirement income. Is this poor planning, or are incentives at work that make superannuation unappealing?</p> <p>By 2020, most workers will be paying at least 12 per cent of their earnings into their superannuation accounts instead of the current 9 per cent. The Federal Government expects that this increase in compulsory savings will mean higher retirement incomes and less pressure on the Federal budget.</p> <p>In coming decades, the number of over-65s will rise from three to over eight million, dramatically increasing the cost of the age pension. Aggregate savings is projected to rise to $500 billion or 0.4 per cent of GDP - but this comes at a cost to taxpayers via concessions for superannuation savings (hence the mining tax furore).</p> <p>The problem is that many people don’t seem too happy about being compelled to save even 9 per cent into superannuation accounts, let alone 12%. A report prepared by Simon Kelly for CPA Australia showed that the average pre-retiree appears to be neutralising their compulsory superannuation savings in two ways: first by adding to property-related debt and second, by decreasing savings in other areas.</p> <p>In 2010, pre-retirees (50-64 years) had average debt levels almost as large as their superannuation balances, mainly due to rising home mortgages and rental property borrowing. The same age group added virtually nothing to financial assets outside their superannuation between 2002 and 2010.</p> <p>An ISN Research Report into retirement intentions released in 2010 showed that around 16 per cent of the 50-70+ group surveyed had debts (mainly property-related) at least as large as their superannuation savings.*</p> <p>The average debt of couples was 88 per cent of their combined super. Unsurprisingly, when asked what factors influenced use of their superannuation payouts, the most common choice (after plans for travel and leisure) was “I needed to pay off existing debt”.</p> <p>Acquiring debt to pay for houses or holidays is a “work around” for compulsory superannuation. People cannot draw on a superannuation balance to move to a better suburb or renovate the kitchen or purchase a boat. However they can still access cash or “rebalance” their portfolio by borrowing now and paying the debt with a lump sum later.</p> <p>Alex Malley, CEO of CPA Australia, wants the government to “break our love-affair” with windfalls by limiting the amount of superannuation that can be taken as a lump sum.</p> <p>Malley says that retirees should be compelled to take up income streams that deplete retirement nest eggs slowly. (It is worth pointing out that much of the retirement wealth management and advice industry is populated by CPAs. Advisor fee income relies on building on-going relationship with clients, which is hard to do if the clients have no retirement wealth left to manage. Retirees who take out a lump sum to pay off a mortgage, then live out their days on the age pension, do not need much financial advice.)</p> <p>Superannuation funds are also concerned about the looming possibility of a mass exodus of the fattest account balances into self-managed funds or property investments.</p> <p>So are the baby boomers simply profligate and short-sighted? Have they watched too much “Home Improvement” or are they also responding rationally to some powerful economic incentives? First, some people simply do not want the additional retirement savings they are being compelled to store up as superannuation so they arrange their finances to accordingly. Second, more fundamental tax incentives are playing a key role.</p> <p>Consider tax concessions for the family home. At any stage of life, capital gains on the family home are not taxable as income. This, along with negative gearing rules on investment property, and the generally strong growth in real estate values over the past decade, has ensured that housing and property wealth dominate household balance sheets.</p> <p>Further, family homes provide a flow of services, including security of tenure, that renters in Australia do not enjoy. The dangers of property bubbles notwithstanding, tax structures and the risks of tenancy encourage heavy investment in property before retirement.</p> <p>But more critical is the importance of the family home in retirement. Age pension means tests do not count the value of principal residences as an assessable asset against pension payments. All other assets, with the exception of a few concessions for income streams, will result in lower payments once total wealth rises above a certain threshold. (Non-homeowners get a more generous allowance for assets before the pension payment begins to decline.) Other financial assets like term deposits or shares are also “deemed” (assumed) to be earning assessable income which can also reduce the pension.</p> <p>The family home acts as a tax-and-means-test-free store of wealth, typically used for bequests and contingencies or to provide a bond for an aged care residence. It is not surprising that Australians build up value in their principal residence before retiring and then do not run down their housing assets afterwards.</p> <p>If government wants to see less superannuation accumulations used to extinguish debt and more used to generate long-term incomes, they need to look to their own house first. We need to address the totality of incentives now in place.</p> <p>Do you think more can be done to improve the Australian retirement system?</p> <p><em>Written by Susan Thorp. First appeared on <a href="http://www.theconversation.com" target="_blank"><strong><span style="text-decoration: underline;">The Conversation</span></strong></a>.<img width="1" height="1" src="https://counter.theconversation.edu.au/content/10486/count.gif?distributor=republish-lightbox-advanced" alt="The Conversation"/></em></p>

Retirement Income

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