How many healthy years do you have left? Check on this calculator

* JEYARAJ VADIVELOO IS A PROFESSOR AT THE UNIVERSITY OF CONNECTICUT * HE LED A TEAM DEVELOPING AN ONLINE CALCULATOR TO ASSESS 'HEALTHY LIFE EXPECTANCY' * SCROLL DOWN TO TAKE THE

ONLINE TEST AND DISCOVER HOW LONG YOU HAVE LEFT  By JEYARAJ VADIVELOO FOR THE CONVERSATION Published: 11:16 EDT, 17 October 2017 | Updated: 21:33 EDT, 17 October 2017 As the old saying goes,

the only things certain in life are death and taxes. While death is inevitable, the quality of life you experience until death is often within an individual's control. This is what our

team at the Goldenson Center for Actuarial Research chose to focus on by developing a rigorous measure of quality of life. How many healthy years of life do you have ahead before you become

unhealthy? Everyone understands the benefits of living a long healthy life, but this also has implications for industry and society. Medical costs, financial planning and health support

services are directly related to the state of health of an individual or community. We call this measure of quality of life 'healthy life expectancy' and its complement

'unhealthy life expectancy.' We define entering an unhealthy state as a severe enough state of disablement that there is no recovery, so you remain unhealthy until death. It

follows that life expectancy – a measure of the total future years an individual is expected to live – is simply the two added together. Calculating  Imagine a healthy 60-year-old male who

exercises regularly, has a healthy diet and healthy body mass index and sleeps at least eight hours a night. By our estimate, he could have an additional 13 years of healthy living compared

to his unhealthy counterpart. That's 13 more years of quality living with family and loved ones. This is quite a startling revelation, not only because of the significant difference in

healthy life expectancy between these two individuals, but also because this difference is driven by lifestyle choices within the individual's control. So what factors contribute to a

better healthy life expectancy? Two factors that are not lifestyle-related are age and gender. All other things being equal, healthy life expectancy decreases with age. Women have a longer

healthy life expectancy compared to men. We have already seen that diet, exercise and sufficient sleep positively impact healthy life expectancy. Other positive factors that we have

incorporated in our model include level of education, level of income, perception of one's own state of health, moderate alcohol intake, not smoking and absence of Type 2 diabetes. The

higher the level of education and income, the higher your healthy life expectancy. Having a positive perception of your state of health helps, too. Try it yourself  Want to know your own

estimate of healthy years ahead? We developed a free online tool that lets you calculate healthy, unhealthy and total life expectancy. This is work in progress. This is the first time such a

measurement tool has been developed. While it's too early to validate the accuracy of our calculations with actual data, we have been careful to ensure that the model assumptions are

based on established actuarial sources and the modeling results are logical and consistent. It should be noted that healthy life expectancy is simply an educated prediction. Unforeseen

incidents – like being hit by a truck – could render this estimate invalid, no matter how well you manage lifestyle habits. Also, there could be other nonmeasurable factors impacting healthy

life expectancy that we have not included in our model, like level of stress, a positive attitude to life or social connections. Putting our model to work  Our team plans to explore some of

these practical applications of healthy life expectancy in industry. For example, the concept of healthy life expectancy can help with retirement financial planning. Annual retirement

spending should not be level across your life expectancy.  More discretionary retirement spending should happen during healthy years and less during unhealthy years, while spending on basic

expenses increases during unhealthy years. Insurance products can be also designed using healthy life expectancy measures in mind. This can protect an individual against additional basic

living expenses during the unhealthy period.  One such product could be a deferred long-term care or temporary deferred life annuity, where the deferral period is for healthy life expectancy

and the temporary coverage is for the unhealthy period. This can be a significantly cheaper and a more needed product compared to what is available in the marketplace currently. Since

healthy life expectancy is also related to quality of life and level of health, a relative index could compare an individual's results against a benchmark healthy life expectancy for

someone with 'average' characteristics.  This can then be used as an underwriting tool and to predict future health care costs. Our model could also serve as a patient screening

tool for medical providers by incorporating more detailed lifestyle and dietary details as well as prior medical history information. We hope that other researchers and practitioners will

continue to build on this. Then society could focus on not just prolonging life, but prolonging quality of life using our model. As the saying goes, 'In the end, it is not the years in

your life that count. It's the life in your years.' This article was originally published by The Conversation