WASHINGTON – If John McCain is elected and goes on to win a second term, there’s as much as a one-in-four chance America could see its first woman president – Sarah Palin. It’s actuarial math.
The odds highly favor either McCain or Barack Obama completing a first term in good health. After that, McCain’s odds still are still fairly solid, but his chances of dying or being in poor health go up faster than Obama’s, mainly because of his age.
An Atlanta actuarial company specializing in individualized estimates of life and health expectancy has run the numbers for McCain, 72, and Obama, 47. The firm, Bragg Associates, calculated the odds of the candidates dying in office, adjusted for their known health problems.
McCain would be the oldest president to begin a first term in office. By the end of a second term, Jan. 20, 2017, he would have a 24.44 percent chance of dying, compared with 5.76 percent for Obama, the firm estimates.
“Can either candidate expect to serve two terms in a healthy state? The answer is yes,” says James C. Brooks, Jr., an actuary with the firm. “They’re both in outstanding health for people of their age.”
Illness is another issue.
Because chances of developing a serious ailment are higher for any person than are the chances of dying, Bragg used the candidates’ medical information to estimate how many years of good health might be in store for each. An illness could force a president to step down.
The firm estimates that McCain has a health expectancy of 8.4 years, while Obama can expect another 21.9 years of good health. The calculations are from January 2009, covering two terms in office for either candidate. McCain, if he’s like others in his age group, would have a cushion of about five months.
But no one really knows. Actuaries such as Brooks make statistical calculations for insurance companies, based on numbers culled from large databases. No matter how sophisticated, they can’t predict anyone’s future.
“There a randomness to it that we don’t know,” said Ron Gebhardtsbauer, who directs the actuarial science program at Penn State’s Smeal College of Business. For example, he said, “if McCain is president, he’ll get the best health care in the world. I can’t crank that into any of my numbers.”
In the spring, the Obama campaign released a letter from the candidate’s doctor declaring him to be in excellent health. He had very good cholesterol levels, his EKG was normal, his pulse was 60 beats per minute, and his blood pressure was an outstanding 90 over 60. Obama also exercises regularly and has quit smoking since the spring, with the help of nicotine gum.
But Obama has a family history of cancer. His mother died of ovarian cancer and his maternal grandfather died of prostate cancer. Obama’s PSA screening test for prostate cancer showed no sign of abnormalities.
For the Republican, Brooks took into account a history of skin cancer, degenerative arthritis from his Vietnam war injuries, moderately high cholesterol, mild vertigo and that McCain is a former smoker who quit in 1980.
Eight years of McCain’s medical records show that he is cancer-free, has a strong heart and is generally in good health. As a three-time melanoma survivor, his biggest health worry is a recurrence of that cancer.
McCain maintains a healthful weight and blood pressure, and takes medication for his cholesterol.