A relative gestures to a resident in a window at a long-term care home, in Toronto. Bloomberg
A relative gestures to a resident in a window at a long-term care home, in Toronto. Bloomberg
A relative gestures to a resident in a window at a long-term care home, in Toronto. Bloomberg
A relative gestures to a resident in a window at a long-term care home, in Toronto. Bloomberg

Coronavirus: Elderly dying alone in western care homes deserve a lot more dignity


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It is clear by now that coronavirus is deadlier for older people. Out of more than 37,000 Covid-19 deaths as of May 1 in the US, nearly 30,000 – or 80 per cent – are over 65.

Of course, this does not mean people in other age groups should not be vigilant. Younger people can infect elderly relatives, and they themselves can also die of the illness or experience severe symptoms. When they are hospitalised, they put more pressure on fragile healthcare systems.

But the outsize impact on the elderly has been a consistent narrative as the crisis has unfolded and led to immeasurable pain in families around the world. How many sons and daughters and grandchildren had to say goodbye to parents and grandparents from behind the screens of an iPad, robbed of the chance to say a final farewell, or a last kiss on the cheek?

And it turns out that while families were mourning at home, a monumental tragedy was taking place in elderly care homes here in my adopted home of Canada and elsewhere in Europe and the US.

In April, the Montreal Gazette published an investigation that found that more than two dozen deaths had taken place at the Résidence Herron, a nursing home in the city, between late March and early April, rising exponentially as the pandemic exploded in the province of Quebec.

The spike in cases took place after staff who were not provided with protective equipment deserted the home because of infections among residents. When a local nurse visited the Herron, she found residents dehydrated, unfed and covered in excrement.

While the Herron is a particularly horrific and undignified example that is now the subject of multiple investigations, the problem appears to be systematic.

In neighbouring Ontario, the second hardest-hit province in Canada, three quarters of the 1,300 people who died are nursing home residents, and there have been around 200 outbreaks in those homes, according to the Canadian Broadcasting Corporation. And 80 per cent of all coronavirus-related deaths in Canada are connected to long-term care and seniors’ homes, which is much higher than the rest of the world.

This trend is hardly unique to Canada, though they are particularly egregious there. In Europe, the World Health Organisation estimates that up to half of all coronavirus-related deaths occurred in nursing homes, describing it as “an unimaginable human tragedy”. That figure is around 40 per cent in Italy, and horrific stories of abandoned residents and corpses have emerged in the US and Spain.

The elderly are more at risk of dying from the coronavirus. Reuters
The elderly are more at risk of dying from the coronavirus. Reuters

The issues are broadly similar, from a lack of protective equipment and proper training and pay for staff, to conditions ripe for outbreak, including an especially vulnerable population. In Canada, care for the elderly is not regulated by the government to the same extent as other healthcare facilities, meaning they have less oversight.

In many countries, visits to nursing homes have been banned, leaving relatives to die alone and in fear. But as these states raced to shore up hospital beds and ICU capacity, they seem to have overlooked one of the most vulnerable corners of society, with terrible consequences. There will be many more deaths in these homes battling outbreaks and death tallies will keep being revised upwards as older cases are uncovered.

The scale of the scandal strikes me as a betrayal of our supposed commitment to the value of individual human life

It may be tempting for Middle Easterners to argue that this is an institutional failure of the West, with its emphasis on individualism and the nuclear family. In the Arab world, we take care of our elderly. And there is value in holding on to this social tenet – of looking after our parents and grandparents ourselves, particularly in a time of crisis. Though perhaps it is dangerous to take for granted the status quo. With upheaval throughout the region, more and more people are seeking a life abroad – and  extended families are increasingly left behind in broken countries with impoverished healthcare systems. It is unclear if the extended family model will survive for another generation at this rate.

In Canada, calls are mounting for integrating long-term care homes into the framework of the country’s vaunted healthcare system, ensuring that never again could a scandal like this recur by placing responsibility for the well-being of residents directly in the government’s hands.

I don’t know the answer to the pressing policy questions concerning nursing homes, and at any rate these might have to wait until investigations are complete and blame can be properly attributed – cold comfort as that may be for the families that have lost loved ones in this pandemic.

The coronavirus has cut a deadly path through nursing homes. AP
The coronavirus has cut a deadly path through nursing homes. AP

But the scale of the scandal strikes me as a betrayal of our supposed commitment to the value of individual human life, and requires solutions that are fundamental, in addition to the policy prescriptions. One avenue is a renewed emphasis on the value of caregivers – in nursing homes and beyond.

Too often have we realised that the heroes keeping our world going, like the delivery men and women, the cashiers at the supermarket, the nurses in the hospitals, and the staff at nursing homes, whose job is to show up every day and care about our loved ones, are not valued. They are underpaid, and their jobs are perceived as low on the economic ladder, not requiring adequate compensation or honour.

The fact that we did not value the work of caregivers at nursing homes shows us the kind of society we were before the pandemic – we valued ephemeral consumerism over the ties that bind. We did not value those who cared for us, whose job was the perpetuation of human connection and intimacy.

We need to fix that broken model now, so we may build a gentler society. Our lives, and those of our parents and grandparents, depend on it.

Kareem Shaheen is a former Middle East correspondent in Canada

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What is graphene?

Graphene is a single layer of carbon atoms arranged like honeycomb.

It was discovered in 2004, when Russian-born Manchester scientists Andrei Geim and Kostya Novoselov were "playing about" with sticky tape and graphite - the material used as "lead" in pencils.

Placing the tape on the graphite and peeling it, they managed to rip off thin flakes of carbon. In the beginning they got flakes consisting of many layers of graphene. But as they repeated the process many times, the flakes got thinner.

By separating the graphite fragments repeatedly, they managed to create flakes that were just one atom thick. Their experiment had led to graphene being isolated for the very first time.

At the time, many believed it was impossible for such thin crystalline materials to be stable. But examined under a microscope, the material remained stable, and when tested was found to have incredible properties.

It is many times times stronger than steel, yet incredibly lightweight and flexible. It is electrically and thermally conductive but also transparent. The world's first 2D material, it is one million times thinner than the diameter of a single human hair.

But the 'sticky tape' method would not work on an industrial scale. Since then, scientists have been working on manufacturing graphene, to make use of its incredible properties.

In 2010, Geim and Novoselov were awarded the Nobel Prize for Physics. Their discovery meant physicists could study a new class of two-dimensional materials with unique properties. 

 

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.