长期护理保险中的缺陷
Leora Friedberg1, Wenliang Hou2, Wei Sun3
1Economics and Public Policy at the University of Virginia.
The Journal of risk and insurance
|November 13, 2023
概括
大约25%的长期护理保险 (LTCI) 保单持有者在死亡之前失效. 认知障碍显著增加了LTCI失效率,导致弱势个体遭受重大财务损失.
科学领域:
- 老年学是一门学科.
- 卫生经济学 卫生经济学
- 保险研究 保险研究
背景情况:
- 长期护理保险 (LTCI) 对于资助晚年护理需求至关重要.
- 很大一部分LTCI保单在保单持有人使用福利之前就过期了.
- 认知障碍是长期护理利用的主要驱动因素.
研究的目的:
- 调查LTCI保险人的过期行为,特别关注认知障碍的作用.
- 量化认知障碍对LTCI政策失效率的影响.
- 分析失效保单对个人和保险市场的经济后果.
主要方法:
- 使用健康和退休研究 (HRS) 数据分析失效率.
- 检查认知状态与LTCI政策失效之间的相关性.
- 模拟建模,以评估与意外政策失效和资产使用策略相关的福利成本.
主要成果:
- 大约25%的LTCI保险在死亡前到期,导致福利被没收.
- 在认知障碍患者中,失误率显著更高.
- 认知障碍创造了有利的选择,因为受损个体更可能需要护理,但政策失效.
- 乐观的资产使用预测加剧了意外过期的财务成本.
- 战略或财务动机在政策失误中扮演的角色很小.
结论:
- 认知障碍是推动LTCI政策失效的关键因素,不成比例地影响弱势群体.
- 意想不到的失误,特别是当与糟糕的财务规划相结合时,会给个人带来巨大的福利成本.
- 保险政策和财务规划需要考虑认知能力下降,以减轻不利选择和保护保单持有人.
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