ALB and chronic kidney disease: The components of this risk score can be categorized as either risk factors or protective factors, and they include the following: Age (ages under 40 serve as protective factors), dementia, chronic kidney disease (CKD), disseminated malignancy, use of systemic anticoagulants, chronic pulmonary disease, admission hematocrit, and albumin levels are identified as protective factors at elevated levels and risk factors at diminished levels.