Justia columnist and U. Washington law professor Anita Ramasastry comments on the potential uses of social networking information in the insurance industry. She notes that if, for instance, a person’s Facebook photos contradict information that the person has told his or her insurer, trouble may result. Ramasastry gives examples such as a claimed non-drinker whose Facebook photos reveal heavy drinking, or a claimed non-smoker who is pictured on Facebook smoking. She notes that when fraud is already suspected by an insurance company, some companies consider it fair game to then check the insured’s social media. Moreover, Ramasastry reports that the next wave of the use of social media in the insurance sector may well involve underwriters, who may begin using such media to create risk profiles of potential insureds. She describes Deloitte’s approach, and explains why using social media is a logical next step for underwriters, who already access massive stores of data regarding potential insureds. Ramasastry also notes some of the risks of these developments—such as an insurer’s taking inferences from a social media profile that are not accurate (say, due to a mistagged photo), or that cannot be fairly generalized (such as a photo of a teetotaler taking a single sip of a drink to be polite).
In the second of a two-part series of columns on the highly controversial NDAA (National Defense Authorization Act), Justia columnist and Hunter College Human Rights Program Director Joanne Mariner continues to explain and comment upon on the bill, which is now the law. Mariner explains President Obama’s reasons for signing the bill, despite what he called “serious reservations” about its provisions that regulate the detention, interrogation and prosecution of suspected terrorists; and what his signing statement, accompanying the bill, said. Mariner notes that at this point, Obama is responsible for three key steps in America’s entrenchment of indefinite detention without trial: (1) justifying indefinite detention in litigation opposing the release of detainees held at Guantanamo; (2) issuing an executive order on indefinite detention; and (3) signing the NDAA. Mariner chronicles the road that took America to the passage of the NDAA, detailing the contributions of the Bush and Obama Administrations. In addition, she considers the most controversial aspect of the NDAA: its supposed allowance of the indefinite detention even of American citizens. Finally, Mariner notes that any fair reading of the NDAA ought to include a set of basic points, which she explains; and calls for a repeal of the NDAA’s detention provisions, as well as for the closure of Guantanamo.