长期护理保险对财务福祉的影响
Jing Dong1, Fabrice Smieliauskas2, R Tamara Konetzka2
1IMPAQ International, Columbia, MD, USA.
概括
私人长期护理保险 (LTCI) 通过增加资产和减少对公共援助的依赖来改善财务福祉. 虽然不是对医疗费用的完全保护,但LTCI鼓励储蓄并减少家庭的财务转移.
科学领域:
- 卫生经济学 卫生经济学
- 老年学是一门学科.
- 公共政策 公共政策
背景情况:
- 长期护理 (LTC) 融资是美国的一个重大问题.
- 私人长期护理保险 (LTCI) 被提出为一种解决方案,但对其经济影响的经验证据有限.
研究的目的:
- 实证地研究私人长期护理保险 (LTCI) 所有权的经济后果.
- 评估LTCI对美国保险人员财务结果的影响.
主要方法:
- 利用了美国健康与退休研究的数据.
- 采用工具变量方法来解决LTCI购买决策的内在性问题.
主要成果:
- LTCI一直在增加资产持有量.
- LTCI一直在减少医疗补助和食品券计划的入学人数.
- 虽然LTCI减少了亲子资金转移,但对自付的医疗费用产生了模两可的影响.
结论:
- 私人LTCI提高了被保险人个人整体的财务福利.
- LTCI可能会减轻与公共援助计划相关的资产积累的阻碍.
- LTCI鼓励增加个人储蓄,并减少代际财富转移.
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