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The effect of long-term care insurance on the first nursing home entry and home care use using duration analysis /Kim, So-Yun, January 2009 (has links)
Thesis (Ph. D.)--Ohio State University, 2009. / Title from first page of PDF file. Includes vita. Includes bibliographical references (p. 171-180).
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Private long-term care insurance and patterns of care use among older adultsLi, Yong. January 1900 (has links)
Thesis (Ph.D.)--Wayne State University, 2007. / Adviser: Gail A. Jensen. Includes bibliographical references.
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Two Essays on Habit Formation in Labor Supply and One Essay on Long-Term Care Insurance and MedicareDimitrova, Boryana January 2004 (has links)
The first chapter investigates whether East German women became used to the requirement of working full-time under communism and thereby continued to work much longer hours than did their counterparts in the West after unification. The second chapter develops a rational habit formation model in labor supply using the idea of habits outlined in the first chapter. I show that the proposed model avoids the extreme behavior observed in the standard model in the literature where in the long-run hours of work could increase indefinitely or decrease to zero over time. The third chapter examines whether disabled elders who have private long-term care insurance consume fewer acute or post-acute Medicare covered services. / Thesis (PhD) — Boston College, 2004. / Submitted to: Boston College. Graduate School of Arts and Sciences. / Discipline: Economics.
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Three Essays on the Economic Decisions Faced by Elderly HouseholdsSun, Wei January 2010 (has links)
Thesis advisor: Alicia H. Munnell / This dissertation contains three essays. Each considers an economic decision faced by elderly households. The cost of nursing home care represents a substantial financial risk for older households. Yet, only 10 percent purchase long-term care insurance (LTCI), with many relying on Medicaid. The first essay estimates a structural model of the LTCI purchase decision using Health and Retirement Study data. Estimates indicate that this population has a modest preference for higher quality care and thus Medicaid crowds out LTCI. In addition, housing wealth provides self-insurance against the cost of nursing home care, so that individuals who are "house-rich cash-poor" are less likely to purchase LTCI. I also evaluate public policies designed to stimulate the take-up of LTCI and reduce Medicaid spending. I find that a comprehensive 20 percent subsidy would increase take-up by 160 percent, but the resulting Medicaid savings would amount to only 22 percent of the subsidy cost. A targeted subsidy would be more likely to break even, but would have only a small effect on coverage. Full enforcement of Medicaid estate recovery programs would reduce Medicaid expenditure by 31 percent, but would have insignificant effect on LTCI coverage. The second essay investigates the impact of house prices fluctuations on the non-durable goods consumption decision of older households. House prices in the United States fluctuate over time with significant regional variation. Thus, understanding how these price movements affect households' consumption has important policy implications. Existing studies focus mostly on the working population, leaving the effect of older households, who could be either the largest beneficiaries or victims of house price fluctuations, unexamined. Using Health and Retirement Study data, I show that house price fluctuations significantly affect non-durable goods consumption of older households. Estimates indicate that both the wealth effect and a relaxed borrowing constraint increase consumption when house prices appreciate. In addition, I find that only unexpected changes in house prices lead to changes in consumption of non-credit constrained households, which is consistent with economic theory predictions. Finally, I provide evidence that older households usually fund the additional consumption by increasing mortgage debt, rather than by drawing down financial assets. The third essay evaluates the value of the additional longevity insurance acquired by delaying claiming social security benefit. Individuals can claim Social Security at any age from 62 to 70, although most claim at 62 or soon thereafter. Those who delay claiming receive increases that are approximately actuarially fair. I show that expected present value calculations substantially understate both the optimal claim age and the losses resulting from early claiming because they ignore the value of the additional longevity insurance acquired as a result of delay. Using numerical optimization techniques, I illustrate that for plausible preference parameters, the optimal age for non-liquidity constrained single individuals and married men to claim benefit is between 67 and 70. I calculate that Social Security Equivalent Income, the amount by which benefits payable at suboptimal ages must be increased so that a household is indifferent between claiming at those ages and the optimal combination of ages, can be as high as 19 percent. / Thesis (PhD) — Boston College, 2010. / Submitted to: Boston College. Graduate School of Arts and Sciences. / Discipline: Economics.
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Do financial knowledge, financial risk tolerance, and uncertainty regarding future long-term care need influence long-term care insurance ownership by baby boomers?Anderson, NaRita January 1900 (has links)
Doctor of Philosophy / Department of Human Ecology-Personal Financial Planning / Dorothy Durband / D. Elizabeth Kiss / Using constructs derived from expected utility theory and data from the RAND American Life Panel 2012 Well Being 186 and 193 surveys, this study explored the extent to which financial knowledge, financial risk tolerance, and the uncertainty regarding the future need for long-term care were associated with long-term care insurance (LTCI) ownership by baby boomers (N = 1,152). Although extensive studies have been conducted regarding long-term care (LTC) issues facing baby boomers in the United States (U.S.), no studies have been found that investigate whether or not these specific factors were predictive of LTCI ownership by baby boomers. Regression analysis was used to estimate the relationship between the dependent and the independent variables in this study.
Consistent with the hypotheses of this study, LTCI knowledge was statistically significantly associated with LTCI ownership by baby boomers. Subjective financial knowledge regarding LTCI had the greatest influence on LTCI ownership. An examination of items used to measure uncertainty regarding the future need of LTC indicated that merely thinking about needing LTC at some point in the future positively influenced LTCI ownership. Baby boomers with higher household income were also more likely to own LTCI.
Results of this study may contribute to the existing literature on LTCI ownership among baby boomers. As the need for, and cost of, LTC are expected to increase as the U.S. population ages, study results may also provide information for financial advisors and other stakeholders to better engage baby boomers in ways that promote comprehensive risk management decision making in retirement planning. More specifically, study results may provide stakeholders with information to better understand factors that influence LTCI ownership by baby boomers.
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Strategic focus, liability issuance, and benefits of multi-jurisdictional regulation in the U.S. insurance industryMcShane, Michael K. January 1900 (has links)
Thesis (Ph.D.)--The University of Mississippi, 2007. / Adviser: Larry A. Cox. Includes bibliographical references.
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Clinical Characteristics and Outcomes of Heart Failure Patients With Long-Term Care Insurance -Insights From the Kitakawachi Clinical Background and Outcome of Heart Failure Registry- / 介護保険と心不全患者の臨床的特徴と予後 ‐北河内心不全レジストリより‐Takabayashi, Kensuke 26 July 2021 (has links)
京都大学 / 新制・論文博士 / 博士(医学) / 乙第13426号 / 論医博第2230号 / 新制||医||1053(附属図書館) / (主査)教授 今中 雄一, 教授 森田 智視, 教授 石見 拓 / 学位規則第4条第2項該当 / Doctor of Medical Science / Kyoto University / DFAM
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The Effects of Dementia and Long-Term Care Services on the Deterioration of Care-needs Levels of the Elderly in Japan / 高齢者における認知症及び介護サービス利用状況と要介護度悪化との関連Huei-Ru, Lin 24 September 2015 (has links)
京都大学 / 0048 / 新制・課程博士 / 博士(社会健康医学) / 甲第19275号 / 社医博第66号 / 新制||社医||9(附属図書館) / 32277 / 京都大学大学院医学研究科社会健康医学系専攻 / (主査)教授 古川 壽亮, 教授 佐藤 俊哉, 教授 髙橋 良輔 / 学位規則第4条第1項該当 / Doctor of Public Health / Kyoto University / DFAM
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Optimization of Financial Decision for Elder Care Services Using Markov Chain ModelingDai, Honghao 15 June 2017 (has links)
No description available.
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Retirement behaviours, housing demand and housing markets : a dynamic analysis / Comportement à la retraite, demande d'immobilier et marchés immobiliers : une analyse dynamiqueAchou, Bertrand 24 September 2015 (has links)
Dans cette thèse, j'utilise différents outils de l'analyse dynamique pour répondre à des questions liés aux comportements à la retraite et/ou aux marches immobiliers. Dans le premier chapitre, qui s'intitule en anglais "Long-Term Care Insurance, Housing Demand, and Decumulation", j'étudie l'influence de l'immobilier sur la demande d'assurance dépendance en comparant un modèle structurel à des données américaines issues du Health and Retirement Study (HRS). Dans le second, qui a pour titre "Disability in Retirement, Home Production, and Informai Insurance Between Spouses" j'étudie comment l'assurance informelle entre conjoints affecte les comportements de desépargne. Le modèle reproduit certains faits stylisés observés dans les données HRS et dans une enquête qui est liée : le Consumption and Activities Mail Survey ou CAMS. Le troisième chapitre, qui s'intitule "Sectoral Productivity, Collateral Constraints, and Housing Markets" est un travail joint avec Hippolyte d' Albis et Eleni Iliopulos. Nous y étudions les implications de l'introduction d'un marché locatif dans un modèle standard de marchés immobiliers avec contraintes de collatéral. / This thesis applies tools from dynamic analysis to answer questions related to retirement behaviours and/or housing markets. In the first chapter entitled "Long-Term Care Insurance, Housing Demand, and Decumulation", I study the influence of housing on the demand for long-term care insurance comparing a structural mode! with US data from the Health and Retirement Study (HRS). In the second one ("Disability in Retirement, Home Production, and Informai Insurance Between Spouses"), I study how the informai insurance fom a spouse affects dissavings behaviours. The model reproduces some key patterns observed in the HRS and a companion survey the Consumption and Activities Mail Survey (CAMS). The third one entitled "Sectoral Productivity, Collateral Constraints, and Housing Markets" is a joint work with Hippolyte d'Albis and Eleni Iliopulos. We study the influence of introducing a rentai market in an otherwise standard model of the housing market with collateral constraints.
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