Michael Jackson’s autopsy unveiled some of the grisliest details of a celebrity death ever.

The King of Pop was declared dead on this day (June 25) at just 50 years old in June 2009, with his official cause of death listed as a cardiac arrest. 

His heart gave out after a deadly cocktail of sedatives were administered by his physician Conrad Murray – with acute propofol intoxication listed as a contributing factor.

He had overdosed on propofol and benzodiazepines. 

The star was seen to by paramedics just three minutes after an ambulance was called, but they found him not breathing and attempts to resuscitate him failed.

Jackson was pronounced dead at the Ronald Reagan UCLA Medical Centre. 

Daily Star is taking a look into the most gruesome details of his autopsy – from a rotting wig ‘held together by single strands of hair’ to his tattooed lips.

Following MJ’s death, his personal physician Conrad Murray was found to have administered propofol, lorazepam and midazolam. Michael’s death was attributed to an overdose of the medications.

It was eventually ruled that his death was a homicide and Murray was charged with involuntary manslaughter in February 2010, and found guilty. His sentence was four years behind bars, but he was released in October 2013 on parole.

Jackson’s autopsy revealed he wore a wig in the later stages of his life, with the hair on his head described by police as “sparse and connected to a wig”. His autopsy also revealed the star had “frontal balding”, meaning the wig had to be glued to his scalp.

Underneath he was totally bald except from patches of “peach fuzz” and scars. A source told The Sun at the time: “He was skin and bone, his hair had fallen out, and he had been eating nothing but pills when he died.”

It is believed the star first began wearing a wig in 1984 when his hair caught fire while filming a Pepsi advert, which left him with second and third degree burns. He was dancing down a flight of stairs as fireworks went off around him, but they exploded too early – with sparks igniting the gel in the star’s hair.

It was later confirmed that Jackson had skin pigmentation disorder vitiligo, with his skin turning white on his chest, face, arms and abdomen. Along with his uneven skin tone, Michael’s lips had been tattooed pink and his eyebrows tattooed black, and too blend in with his hairline, the front of his scalp was also tattooed black.

Weighing just 8st 10lbs at the time of his death, Jackson was found to have nothing but partially dissolved pills in his stomach after eating just one small meal per day. His entire body was riddled with puncture marks from painkiller injections, with marks of his plastic surgery also showed he was in “terminal decline” for years, according to one source.

His knees and shins were covered in mysterious bruises and cuts covered the star’s back, perhaps an indication of a recent fall. Next to the bed where the singer died, investigators found a sealed bottle of urine, along with boxes of catheters, disposable needles and an oxygen tank.

An ever-present bandage was found on the singer’s nose. And Jackson’s ribs were found to be cracked after CPR was administered to attempt to restart his heart.

Jackson was found to have a condom catheter inserted at the time of his death amid an apparent struggle with incontinence, and his autopsy also revealed a “moderately enlarged” prostate.

He also had a catheter leading into his neck, while a balloon pump had been inserted into one of his arteries to help combat his cardiac condition. The official report says his testes are “in the scrotum and are unremarkable and without trauma”.

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Source: CNN

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.