Skip to main content
The Actuary: The magazine of the Institute and Faculty of Actuaries - return to the homepage Logo of The Actuary website
  • Search
  • Visit The Actuary Magazine on Facebook
  • Visit The Actuary Magazine on LinkedIn
  • Visit @TheActuaryMag on Twitter
Visit the website of the Institute and Faculty of Actuaries Logo of the Institute and Faculty of Actuaries

Main navigation

  • News
  • Features
    • General Features
    • Interviews
    • Students
    • Opinion
  • Topics
  • Knowledge
    • Business Skills
    • Careers
    • Events
    • Predictions by The Actuary
    • Whitepapers
    • Moody's - Climate Risk Insurers series
    • Webinars
    • Podcasts
  • Jobs
  • IFoA
    • CEO Comment
    • IFoA News
    • People & Social News
    • President Comment
  • Archive
Quick links:
  • Home
  • The Actuary Issues
  • April 2021
General Features

Strain on the brain

Open-access content Wednesday 7th April 2021 — updated 4.42pm, Tuesday 20th April 2021
Authors
Helena Boschi

Helena Boschi looks at how the human brain has been affected by the isolation and stress of the COVID-19 pandemic 

Strain on the Brain

A liking for patterns, predictions and models is not unique to actuaries – the brain is constantly looking for patterns in the environment in order to make sense of the world and learn quickly. In the wake of COVID-19, unable to guess what will happen, the brain is not in a good place.

The job of the brain is to keep us alive. It has to adopt a defensive stance in order to sense potential threat and danger before it sees what is safe. This has given us a negatively biased brain that is easily distracted and prone to fast judgments.

Pre-COVID-19, the picture was not a hopeful one. Distracted and consumed by endless data and social media’s pervasive presence, the brain has not been allowed to switch off for years. Add to this a biology that has not adapted well to an unhealthy lifestyle, and we entered lockdown in poor shape.

Where has lockdown left us?

Continuing uncertainty, bad news at every turn and the removal of our normal social safety net during a time of stress have served only to raise anxiety levels.

Transposing the office day into a digital equivalent has not helped. Regular office rhythms are generally made up of computer work, interspersed with walking to meetings, chatting with colleagues formally or informally, and travelling to and from our workplace. There is a start and an end to our working day, and taking work home is not the same as ‘working from home’.

Our attentional resources are limited and easily wearied, and are now being stretched to their limit by endless time spent on screens. The brain simply cannot cope with this sort of sustained and focused attention without a break, and it makes increasingly bad decisions when it is tired and hungry.

The initial momentum of working from home drove many companies – encouraged and relieved that both people and technology seemed to be working well in this new situation – into making early and sweeping decisions about the future. Some even announced that working from home could be a permanent fixture of their organisational landscape.

However, it now seems that the blurred boundaries between home and work may be having adverse effects on mental health. Our physical separation from colleagues has resulted in an emotional disconnection. We can no longer offer face-to-face reassurance or build our confidence through informal micro-interactions, and our now-limited ability to read people via a screen or through a mask is leading to self-doubt and even paranoia. Scientists detailing the psychological impact of the pandemic are even predicting a secondary epidemic of mental illness.

The less we feel, the more we feel

Like other mammals, humans are social creatures who benefit from physical contact. Taking away opportunities to touch removes a critical aspect of our behavioural repertoire; the tragic Romanian orphanages of the 1980s demonstrated that children need to be in socially responsive situations in order for their brains to develop properly. Without normal interaction, the brain’s executive functions, such as behavioural control, emotional regulation, adaptability and attention, are all impaired.

Amid the high volume of coronavirus-related studies that have been carried out since January 2020, some of the most recent research has investigated the impact of lockdown and our reliance on digital communication. One such study by Queen’s University Belfast has highlighted the relationship between dissatisfaction with digital communication and increased loneliness. Loneliness is not just a mental state; it can wreak havoc on our immune system, making us more susceptible to illness.

Another study, carried out by Liverpool John Moore University, has explored the connection between touch and our innate pleasure systems, underlining the need for physical sensation to cement social connection in the brain. When we are denied opportunities to touch, we are less able to tap into the neural networks that strengthen bonds of togetherness.

Being in close quarters with others has intensified relationships for better or worse, while others have been starved of all human contact. A large-scale French study has pointed to a ‘funnelling effect’ on relationships, whereby focus is narrowing on some at the expense of others. All of this will leave a scar that will need to be examined in the future – but for now we need to continue to seek ways to connect with those around us.

“Our attentional resources are now being stretched to their limit by endless screen time”

Trying to control the uncontrollable

Humans don’t handle any restriction well. Fear is used to control us, but anger mobilises us to act. Across the world, emotions have heightened, sending us reaching for groups that offer meaning and purpose. Different and warring tribes have come together and united against common causes. The ingroup-outgroup bias that offers us a sense of psychological security is now stronger than ever: it provides certainty in an uncertain world.

Language is our principal tool for defining and categorising our experiences. World leaders needing to showcase their authority have relied on metaphors of war – but this has been shown in the medical world to have the opposite effect on patients suffering from a disease that they are told to ‘fight’.

Actuaries and automacity

As our motivation and energy levels wane, we must find ways to remain active and keep going. This means creating small rewards that fuel a chemical called dopamine (our ‘motivation molecule’), which is released in anticipation of something pleasurable. The more dopamine we release, the more we want, and as long as we keep this carefully balanced, our drive to achieve won’t spill over into addiction. Too little dopamine and we can become listless; too much and we can become frenzied.

Experts such as actuaries normally need little motivation to practise their expertise. However, what if changing times demand a new set of skills?

Any expert achieves automacity in the brain. This means that, through practice and repetition, the brain has fortified its synaptic connections, leading to an eventual slowing down of brain waves that indicate increased co-ordination and efficiency. Automacity takes time, effort and patience – and so does changing it.

On the one hand, expertise frees up the brain to engage in new learning by sending automatic processes below our level of awareness – imagine if, after driving for years, we still had to pay attention to every single action and manoeuvre in a car for the rest of our life. On the other hand, once we become unconsciously reliant on our expertise, other habits may creep in. When it is out of our conscious view, expertise is harder to change. Learning effectively requires neural rewiring, then practice and repetition in order to hardwire new skills into the brain’s structure.

In addition to this, the brain suffers from natural inertia, preferring to follow well-trodden paths for ease and efficiency. The forced change that COVID-19 has brought about is good for our brains, which are reluctant to deviate from old and familiar patterns. The key is to recognise that change requires determination, tenacity and being prepared to fail – which is not easy for professionals whose skills are tied to their success and reputation.

Strengthening us for the future

Resilience is, for the most part, built on adversity. Difficult times tend to strengthen our psychological system, just as antibodies in a vaccine will boost our immunity.

Most of us can cope with more than we think, and we often don’t know what we are capable of until we are faced with it. Looking back at what we have achieved – and celebrating it – is a big part of this. It is even better when we have worked together with others to build collective competence.

Dr Helena Boschi is the author of Why We Do What We Do: Understanding Our Brain to Get the Best Out of Ourselves and Others (Wiley, 2020). She is a psychologist who focuses on applied neuroscience in the workplace

Image credit | Ikon
ACT Apr21_Full.jpg
This article appeared in our April 2021 issue of The Actuary .
Click here to view this issue

You may also be interested in...

Graphic

Health: Emerging research on lifestyle risk

Michael Ducker and Ian Lennox discuss emerging research on lifestyle choices, and the potential implications for risk assessment
Wednesday 7th April 2021
Open-access content
Graphic

Health: Exploring customer retention management

Marco Spagnuolo explores how customer retention management can be a win-win-win for customers, insurers and society at large
Wednesday 7th April 2021
Open-access content
Waiting for the "big one"

Preserving ecology to prevent pandemic risk

Gordon Woo considers the effects of ecological change on pandemic risk, and when it is likely we will face an even worse pandemic than COVID-19
Wednesday 7th April 2021
Open-access content
web_p32-33_social-care_Credit_shutterstock_1752288497

Lessons from down under: comparisons in funding long-term care in the UK and Australia

Thomas Kenny compares how long-term social care is funded in England and Australia, and discusses the challenges of achieving a sustainable system
Wednesday 5th May 2021
Open-access content
Mortality

A year like no other for the CMI's Mortality Projections Model

Cobus Daneel and Jon Palin describe the challenges in producing the CMI’s Mortality Projections Model for 2020
Wednesday 5th May 2021
Open-access content
need for speed

A need for speed for the COVID-19 Actuaries Response Group

Matthew Edwards and Stuart McDonald look back on the role played by the COVID-19 Actuaries Response Group during the past year
Wednesday 5th May 2021
Open-access content

Latest from Health care

yf

Animal crossing: the threat of zoonotic diseases

Prachi Patkee and Adam Strange discuss what the rising threat of climate-driven communicable disease means for insurers
Wednesday 30th November 2022
Open-access content
hb

Boiling point: the effect of rising temperatures on future mortality

As quantifying climate risk exposure becomes increasingly important, Dan Gill, Rajinder Poonian and Alex Harding investigate the effect of rising temperatures on future mortality
Wednesday 2nd November 2022
Open-access content
vb

Interview: Professor Paul Dalziel on changing the focus of economies from growth to wellbeing

Paul Dalziel talks to Alex Martin about the true purpose of economics and the lessons we can draw from the 2019 New Zealand wellbeing budget
Wednesday 2nd November 2022
Open-access content

Latest from General Features

yguk

Is anybody out there?

There’s no point speaking if no one hears you. Effective communication starts with silence – this is the understated art of listening, says Tan Suee Chieh
Thursday 2nd March 2023
Open-access content
ers

By halves

Reducing the pensions gap between men and women is a work in progress – and there’s still a long way to go, with women retiring on 50% less than men, says Alexandra Miles
Thursday 2nd March 2023
Open-access content
web_Question-mark-lightbulbs_credit_iStock-1348235111.png

Figuring it out

Psychologist Wendy Johnson recalls how qualifying as an actuary and running her own consultancy in the US allowed her to overcome shyness and gave her essential skills for life
Wednesday 1st March 2023
Open-access content

Latest from April 2021

 books Actuary selected for Kulp-Wright Award

People and society news: April

Actuary selected for Kulp-Wright Award
Wednesday 7th April 2021
Open-access content
Student

Hostile acts

Adeetya Tantia looks at how war risk exclusion clauses have been interpreted in various notable incidents – and why the industry should consider updating them
Wednesday 7th April 2021
Open-access content
graphic

Writing papers with purpose

Julian Maynard-Smith explains the optimal method for structuring a document
Wednesday 7th April 2021
Open-access content
Share
  • Twitter
  • Facebook
  • Linked in
  • Mail
  • Print

Latest Jobs

Senior Pricing Associate

Scotland / England, London
Up to £60000 per annum
Reference
149081

Outside IR35 - Reserving Contract - 6-8 months

London (Central)
Daily rate contract - outside IR35
Reference
149079

Actuarial Analyst - Longevity Reinsurance

England, London
Up to £55000 per annum
Reference
149080
See all jobs »
 
 
 
 

Sign up to our newsletter

News, jobs and updates

Sign up

Subscribe to The Actuary

Receive the print edition straight to your door

Subscribe
Spread-iPad-slantB-june.png

Topics

  • Data Science
  • Investment
  • Risk & ERM
  • Pensions
  • Environment
  • Soft skills
  • General Insurance
  • Regulation Standards
  • Health care
  • Technology
  • Reinsurance
  • Global
  • Life insurance
​
FOLLOW US
The Actuary on LinkedIn
@TheActuaryMag on Twitter
Facebook: The Actuary Magazine
CONTACT US
The Actuary
Tel: (+44) 020 7880 6200
​

IFoA

About IFoA
Become an actuary
IFoA Events
About membership

Information

Privacy Policy
Terms & Conditions
Cookie Policy
Think Green

Get in touch

Contact us
Advertise with us
Subscribe to The Actuary Magazine
Contribute

The Actuary Jobs

Actuarial job search
Pensions jobs
General insurance jobs
Solvency II jobs

© 2023 The Actuary. The Actuary is published on behalf of the Institute and Faculty of Actuaries by Redactive Publishing Limited. All rights reserved. Reproduction of any part is not allowed without written permission.

Redactive Media Group Ltd, 71-75 Shelton Street, London WC2H 9JQ