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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 Federal Reserve on Wednesday lowered interest rates for the first time since the Great Recession in 2008 to help stave off the possibility of an economic downturn.Policymakers led by Fed Chairman Jerome Powell voted 8-2 in favor of a small cut in the federal funds rate, and recommitted to their promise to "act as appropriate" to sustain the country's 369

The only volunteer fire department in Hamilton, a small community in Monroe County, Mississippi, was destroyed in this weekend's devastating tornadoes.The tornado hit Monroe County on Saturday night, said CNN meteorologist Gene Norman. It was one of about six tornadoes to hit the state this weekend. One person in Monroe was killed and 10 people were injured.This weekend's massive storm system ravaged areas from Texas to Mississippi. Seven people died because of the severe weather, including the person in Mississippi, four people in Texas and two in Louisiana.Mississippi Gov. Phil Bryant declared a state of emergency Sunday for areas affected by the severe weather.A photo of the destroyed fire station shows debris strewn all over and trucks standing in place underneath.Terry Tucker, Monroe's fire coordinator, said on Sunday he was alerted to the fate of the fire department's building around 11 p.m. Saturday."We took a direct hit," one firefighter told Tucker over the radio. "The fire station (is) gone."No firefighters were killed or injured, Tucker said.Tucker said the Hamilton department was the only one in the immediate area of the small community of about 1,500 people. The other nearest station is 14 miles away, Tucker said."It's hard to fathom, the fire department is gone," he said. "The people will have a long recovery. The fire department basically has to start over. They have good manpower but they have to start the station all over."While the building is gone, Tucker said the department was able to salvage some gear and the trucks are still there but damaged.Along with the fire department's building, Saturday's tornado also destroyed multiple homes and a retail center. 1716

The Dallas apartment complex that suffered damage from a crane collapse has been deemed "totally unusable," and residents will be refunded their security deposits and June rent.Two days after the tragic accident that left one woman, 29-year-old Kiersten Smith, dead, officials told residents they will be allowed back in to retrieve their belongings, but they will no longer be able to reoccupy their apartments.According to Dallas Fire-Rescue, apartment complex management will arrange for moving trucks to facilitate the move.Greystar, the apartment management company, is meeting with City of Dallas officials to determine the safest options to remove the personal belongings and vehicles of all the residents, according to a letter issued to residents Tuesday.No determination has been made regarding the removal of the crane from the property, according to DFR. Three people remain in the hospital.Sunday's tragedy marked the ninth crane accident death in North Texas since 2012, CNN affiliate KTVT reported. From 2011 to 2015, Texas had about four times more crane-related deaths than any other state.'It just sliced through the building'Abbey Kearney, who lived in the Dallas apartment complex, said the disaster happened quickly."It was like a sunny, beautiful day and people were at the pool," she said. "And then it just got dark very quickly, and the wind picked up something fierce. It got dark, and it was over in a matter of seconds."She saw three umbrellas shoot straight up into the air. All the pool furniture flew into the pool.Then she saw the crane plummet."It just sliced through the building ... like a hot knife through butter," Kearney said. "It went from the fifth floor to, from what I can tell, the third floor."Concrete floors of the parking garage ripped like paper. Rows of vehicles fell several stories below and lay heaped in a mangled mess."There were cars that were vertical," she said. 1932

The dog cast as one of the leading roles in Disney's live-action remake of Lady and the Tramp found his forever home from an Arizona shelter.Monte, who has been cast as Tramp, was adopted from HALO Animal Rescue after initially coming from Las Cruces, New Mexico. HALO partners with other shelters across the west in an effort to save animals who may be euthanized.The 2-year-old terrier mix was part of a batch of 50 dogs sent from New Mexico in April 2018, 471

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