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The opioid crisis cost the U.S. economy 1 billion from 2015 through last year — and it may keep getting more expensive, according to a study released Tuesday by the Society of Actuaries.The biggest driver of the cost over the four-year period is unrealized lifetime earnings of those who died from the drugs, followed by health care costs.While more than 2,000 state and local governments have sued the drug industry over the crisis, the report released Tuesday finds that governments bear less than one-third of the financial costs. The rest of it affects individuals and the private sector.The federal government is tracking how many lives are lost to the opioid crisis (more than 400,000 Americans since 2000), but pinning down the financial cost is less certain.A U.S. Centers for Disease Control and Prevention report from found the cost for 2013 at billion. That’s less than half the cost that the latest report has found in more recent years. The crisis also has deepened since 2013, with fentanyl and other strong synthetic opioids contributing to a higher number of deaths. Overall, opioid-related death numbers rose through 2017 before leveling off last year at about 47,000.A study published in 2017 by the White House Council of Economic Advisers estimated a far higher cost — just over 0 billion a year. The new study notes that the White House one used much higher figures for the value of lives lost to opioids — attempting to quantify their economic value rather than just future income.The actuaries’ report is intended partly to help the insurance industry figure out how to factor opioid use disorder into policy pricing.It found that the cost of the opioid crisis this year is likely to be between 1 billion and 4 billion. Even under the most optimistic scenario, the cost would be higher than it was in 2017.The study was released just ahead of the first federal trial on the opioid crisis, scheduled to start next week in Cleveland where a jury will hear claims from Ohio’s Cuyahoga and Summit counties against six companies. The counties claim the drug industry created a public nuisance and should pay.The report found that criminal justice and child-welfare system costs have been pushed up by the opioid epidemic.Most of the added health care costs for dealing with opioid addiction and overdoses were borne by Medicaid, Medicare and other government programs, according to the report. Still, the crisis rang up billion in commercial insurance costs last year. Lost productivity costs added another billion.Businesses have begun noticing. Last week, a small West Virginia home improvement company, Al Marino Inc., filed a class-action lawsuit against several companies, claiming the opioid crisis was a reason its health insurance costs were skyrocketing.Still, the biggest cost burden fell on families due to lost earnings of those who died. Those mortality costs alone came to more than billion last year, the report said.Members of a committee representing unsecured creditors helping guide opioid maker Purdue Pharma’s bankruptcy process have been calling for money in any settlement to go toward to people affected by the crisis and not just governments. 3225

The CEO of Girl Scouts of Greater New York says it's so much more than what's your favorite cookie.They're creating future leading businesswomen of America.Think of it this way: these girls launch their own cookie selling companies by setting their own goals, making their own budgets for their troop and deciding how to spend the money they've earned.The selling season starts Friday.This article was written by Shirley Chan for 442

The 21-year-old shooter who killed at least 20 people and injured 26 others in an El Paso, Texas, Walmart on Saturday is believed to have authored a racist, anti-immigrant document that laid out a dark vision of America overrun by Hispanic immigrants.With the hate-filled writing, which authorities called a 'manifesto,' were the words: "I'm probably going to die today."Sources identified the suspect as Patrick Crusius, of Allen, Texas. He has been charged with capital murder and is being held without bond, El Paso Police Sgt. Robert Gomez said Sunday evening.The four-page document, titled "The Inconvenient Truth," was published on the online message board 8chan about 20 minutes before the shooting. The writing is filled with white supremacist language and racist hatred aimed at immigrants and Latinos, and the author says he opposes "race mixing" and encourages immigrants to return to their home countries.Some of the language of the manifesto reflects ideas from President Trump, Fox News and the modern Republican party. For example, the document warns of a " 1084

The House Intelligence Committee voted along party lines Tuesday night to approve a report that found evidence of President Donald Trump's misconduct and obstruction of Congress is "overwhelming."The report, 220

The fiancée of a beloved New Jersey high school principal who died earlier this year while attempting to donate bone marrow to a child has filed a wrongful death lawsuit alleging that doctors treating him were negligent.Derrick Nelson was described as a man of dignity and courage by his fiancée Sheronda Braker, who is the mother of his 5-year-old daughter.Braker filed a 385