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The Effect of Long-Term Care Insurance on Home Care Use Among the Disabled Elders

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  • So-Yun Kim

    ()

  • Gong-Soog Hong

    ()

  • Catherine Montalto

    ()

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    Abstract

    Using the 1998–2004 Health and Retirement Study, this study uses Cox’s model to explore the effects of private long-term care insurance ownership on first home care use among the disabled elderly. Results show that long-term care insurance ownership and Medicaid eligibility did not significantly increase the likelihood of using home care services, while income and homeownership lowered this likelihood. Functional limitation was the key determinant of home care use and those who lived with children were less likely to use home care services. Based on the findings, this study provides foundations for long-term care policies and long-term care planning programs. Copyright Springer Science+Business Media, LLC 2012

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    File URL: http://hdl.handle.net/10.1007/s10834-011-9280-1
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    Bibliographic Info

    Article provided by Springer in its journal Journal of Family and Economic Issues.

    Volume (Year): 33 (2012)
    Issue (Month): 3 (September)
    Pages: 353-362

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    Handle: RePEc:kap:jfamec:v:33:y:2012:i:3:p:353-362

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    Web page: http://www.springerlink.com/link.asp?id=104904

    Related research

    Keywords: Cox’s proportional hazard model; Home care; Long-term care insurance;

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    1. Shelley I. White-Means & Rose M. Rubin, 2004. "Is There Equity in the Home Health Care Market? Understanding Racial Patterns in the Use of Formal Home Health Care," Journals of Gerontology: Series B, Gerontological Society of America, vol. 59(4), pages S220-S229.
    2. Ettner, Susan L, 1994. "The Effect of the Medicaid Home Care Benefit on Long-Term Care Choices of the Elderly," Economic Inquiry, Western Economic Association International, vol. 32(1), pages 103-27, January.
    3. Savage, Elizabeth & Wright, Donald J., 2003. "Moral hazard and adverse selection in Australian private hospitals: 1989-1990," Journal of Health Economics, Elsevier, vol. 22(3), pages 331-359, May.
    4. Rose Rubin & Shelley White-Means, 2009. "Informal Caregiving: Dilemmas of Sandwiched Caregivers," Journal of Family and Economic Issues, Springer, vol. 30(3), pages 252-267, September.
    5. Deana Grobe & Roberta Weber & Elizabeth Davis, 2008. "Why Do They Leave? Child Care Subsidy Use in Oregon," Journal of Family and Economic Issues, Springer, vol. 29(1), pages 110-127, March.
    6. Dorothy D. Dunlop & Larry M. Manheim & Jing Song & Rowland W. Chang, 2002. "Gender and Ethnic/Racial Disparities in Health Care Utilization Among Older Adults," Journals of Gerontology: Series B, Gerontological Society of America, vol. 57(4), pages S221-S233.
    7. Naoko Muramatsu & Hongjun Yin & Richard T. Campbell & Ruby L. Hoyem & Martha A. Jacob & Christopher O. Ross, 2007. "Risk of Nursing Home Admission Among Older Americans: Does States' Spending on Home- and Community-Based Services Matter?," Journals of Gerontology: Series B, Gerontological Society of America, vol. 62(3), pages S169-S178.
    8. Jeffrey Dew, 2009. "The Gendered Meanings of Assets for Divorce," Journal of Family and Economic Issues, Springer, vol. 30(1), pages 20-31, March.
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