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Under the current system, servicers have come under criticism from consumer advocates and even faced lawsuits from regulators for not doing enough to help borrowers find manageable repayment plans, including federally mandated options.
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It reduced the preference for mandated choice option to 5 [3, 8] (p <0.001), for donor-or-surrogate informed consent to 5 [3,7] (p = 0.004), but not for donor-only informed consent (to 5 [3, 7], p = 0.56).
As shown in Table 2 and Figure 1, mandated choice option was assigned the top three ranks by 54% of respondents, with an overall median score of (3 [2,6]), and was preferred over the options of donor-or-surrogate informed consent (4 [2,7], p <0.001), donor-only informed consent (5 [3,7], p <0.001), and presumed consent (7 [3,10], p <0.001).
The addition of a financial incentive reduced the preference for mandated choice option from 3 [2,6] to 7 [4,9] (p <0.001), for donor-or-surrogate informed consent from 4 [2,7] to 7 [5,9] (p <0.001), and for donor-only informed consent from 5 [3,7] to 8 [6,10] (p <0.001).
Donor-or-surrogate informed consent and donor-only informed consent were assigned the five intermediate ranks by a larger percentage of respondents (48%and46%6%, respectively) as compared to mandated choice and presumed consent options (35%, respectively), indicating a clearer choice for the last two at the public level.
Compared to females, males more preferred mandated choice with financial incentive option (6 [3,8] vs. 8 [4,9], p <0.001), less preferred mandated choice with medical incentive option (7 [4,9] vs. 5 [2,7], p <0.001), and more perceived donor-or-surrogate informed consent as the norm (3 [1,6] vs. 5 [3,7], p <0.001).
Another consent option is the mandated choice model which requires each individual to choose whether or not to be an organ donor.
Compared to females, males more perceived donor-or-surrogate informed consent as the norm (3[1,6] vs. 5[3,7], p < 0.001), more preferred mandated choice with financial incentive option (6[3,8] vs. 8[4,9], p < 0.001), and less preferred mandated choice with medical incentive option (7[4,9] vs. 5[2,7], p < 0.001).
Mandated choice option continued to be significantly the most preferred and best perceived as norm and financial and medical incentives continued to significantly have a negative effect when analysis was restricted to females.
Vinyl, resin, cedar, federal-mandate options available.
The benefit is called Cobra after the federal law that mandated this option.
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