Role of Race and Ethnicity in Private Long-Term Care Insurance Ownership
Role of Race and Ethnicity in Private Long-Term Care Insurance Ownership
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DOI：
10.1093/geront/gnt102
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发表时间：
2014-12-01
期刊：
影响因子：
5.7
通讯作者：
Li, Yue
中科院分区：
文献类型：
--
作者：
McGarry, Brian E.;Temkin-Greener, Helena;Li, Yue
研究目的：确定目前医疗保险受益人中私人长期护理保险（LTCI）的所有权是否存在种族/民族差异。设计和方法：本研究使用了2011年全国健康和老龄化趋势研究的浪潮。采用双变量分析和多变量逻辑回归分析来分离人种/种族对LTCI摄取的独立影响。分层多变量分析用于进一步检查种族/民族对LTCI所有权的影响。结果：12.3%的黑人和5.8%的西班牙裔，与20.2%的白人相比（p <0.001），报告有LTCI覆盖。我们发现，与白人相比，西班牙裔人患LTCI的可能性低48%（p = 0.005），而黑人和白人之间没有差异。与白色女性相比，西班牙裔女性投保的可能性低81%（p <0.001）。根据收入和资产，被认为适合购买私人长期保险的个人之间存在种族差异。结论：本研究表明，在美国老年人中，LTCI的所有权存在种族差异。需要进一步的研究来确定哪些因素导致拉美裔在LTCI市场上的代表性明显不足。
Purpose of the Study: To determine if racial/ethnic disparities exist in the ownership of private long-term care insurance (LTCI) among current Medicare beneficiaries. Design and Methods: This study used the 2011 wave of the National Health and Aging Trends Study. Bivariate analysis and multivariate logistic regression were employed to isolate the independent effects of race/ethnicity on LTCI uptake. Stratified multivariate analyses were used to further examine the effect of race/ethnicity on LTCI ownership. Results: 12.3% of Blacks and 5.8% of Hispanics, compared with 20.2% of Whites (p < .001), reported having LTCI coverage. We found that Hispanics were 48% less likely to have LTCI (p = .005) compared with Whites, whereas no difference was found between Blacks and Whites. Compared with White women, Hispanic women were 81% less likely to be insured (p < .001). Ethnic disparities persisted among individuals who, based on income and assets, are considered appropriate for purchasing private LTCI coverage. Implications: This study demonstrates that ethnic differences exist in the ownership of LTCI among elderly Americans. Additional research is needed to determine what factors are responsible for the apparent underrepresentation of Hispanics in the LTCI market.