Environmental Medicine Consultants: 2

Vera Dolan is an epidemiologist with over 30 years of experience in the life and health insurance industries. She is one of the leading mortality experts in the life insurance industry. She writes underwriting manuals and policy and procedure manuals for life and health insurance companies.

Vera has testified in both state and federal court, and has been retained in over 200 cases since 2006 for plaintiffs and defense on an equal basis. She is very credible testifying in deposition and on the stand.

* Life expectancies that are personalized and accurate to the standards of the life insurance and life settlement industries. Addresses the cases when life expectancies that are simply taken from a life table or estimated by a doctor, actuary or biostatistician are too long, too short, insufficient or not credible. Addresses the cases when a complete insight into the individual's medical conditions and/or personal history of high-risk behaviors is needed to assist the judge or jury in their decision. This information often decides the case, see article for details.

* Expert in bad faith/wrongful denial of life/health insurance claims.

* Expert in life/health insurance underwriting material misrepresentation.

* Expert in medical risk assessment and underwriting issues.

* Expert in life insurance underwriting policies and procedures.

* Expert in epidemiology. Previous cases include infectious diseases, occupational and environmental exposures, pesticides and tobacco.

* Approved life expectancy expert with the U.S. Department of Justice.

* Active consultant to the life insurance industry conducting cohort mortality studies, and writing underwriting and policy and procedure manuals.

* Over 100 articles published on mortality research and underwriting.

* Friendly, clear, concise, objective and quantitative.

* There is no charge for the initial phone consultation.

* There is no charge for travel time.

Howard M. Kipen MD, MPH, is Board certified in Internal Medicine and Occupational Medicine. Dr. Kipen earned a BA from UC Berkeley, MD from UCSF, and MPH from Columbia University. He currently serves as Director of the Clinical Research and Occupational Medicine Division and Professor of Environmental and Occupational Health at Rutgers University. Dr. Kipen’s research focuses on clinical and epidemiological studies of the health effects of Indoor and Ambient Air Pollution. His research uses both controlled exposure models with ozone, fresh aerosols, and diesel-enriched on-road exposures, primarily with drives on the New Jersey Turnpike. A new EPA study examines health benefits of portable air cleaners for reducing indoor air pollution levels. Biomarker outcomes presently emphasized are exhaled breath oxidative stress and invasive and noninvasive measures of vascular function. Dr. Kipen has published morethan 200 articles on environmental / occupational health. Scholarly Activities:

• Former Chair, NASA Human Research Program’s Advanced Environmental Health / Advanced Food Technology Standing Review Panel
• Member, National Academies Standing Committee on Medical and Epidemiological Aspects of Air Pollution on U.S. Government Employees and their Families, 2016
• Chair / Member Multiple Ad Hoc Grant Review Panels (e.g., NIEHS, Department of Defense)
• Governor’s Appointee, Public Employee’s Occupational Safety and Health Review Commission, New Jersey Department of Labor
• Member, Public Health Scientific Advisory Board, New Jersey Department of Environmental Protection

Litigation Support: Dr. Kipen has 35 years of litigation experience. He has expertise in various Toxic Torts including asbestos, benzene, mold, air pollution, occupational and environmental cancers, and other diseases. He also has expertise on "Multiple Chemical Sensitivities" (MCS). Dr. Kipen has particular experience as an asbestos plaintiff's expert and both plaintiff and defense experience with other toxic torts. His services include medical record review, thorough reporting, depositions, and trial testimony as needed.