How Can Adult Children Influence Parents' Long-Term Care Insurance Purchase Decisions?
How Can Adult Children Influence Parents' Long-Term Care Insurance Purchase Decisions?
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成年子女如何影响父母购买长期护理保险的决定？
DOI：
10.1093/geront/gnu082
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
VanHoutven,CourtneyHarold
中科院分区：
文献类型：
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作者：
Sperber,NinaR;Voils,CorrineI;Coe,NormaB;Konetzka,RTamara;Boles,Jillian;VanHoutven,CourtneyHarold
研究目的长期护理（LTC）对公共医疗保险融资构成了重大压力。作为回应，政策上有兴趣支持私人长期护理保险（LTCI）市场。虽然家庭是提供长期护理的核心，但他们在长期护理需求中的作用仍不清楚。本研究的目的是获得深入的信息：（a）老年父母如何评估LTCI的需要，（B）成年子女扮演什么角色？及（c）家庭如何就家长的长期护理服务喜好及计划（包括购买长期护理保险）与家长沟通？设计和MethodsWe进行了重点小组与年长的父母和成年子女在不同的市场。两组进行了购买LTCI的老年父母和两个父母谁没有购买LTCI。四组进行了与成年儿童，混合，以他们的父母是否购买了LTCI。通过已公布的购买或不购买LTCI的原因告知探头。我们分析了transmittance使用定向内容分析法和不断比较methods.ResultsOlder父母重视自主权为自己和他们的孩子。年长的父母购买者认为LTCI支持这一价值，而nonpurchasers认为限制。成年子女描述了他们会照顾父母的未言明的期望。尽管父母和孩子之间关于LTCI的讨论很少，但当孩子们呼吁共同的价值观时，就会产生成功的影响，特别是避免负担和呆在家里。含义强调LTC决策自主权的信息和启动家庭之间LTC对话的干预措施，并关注共同的价值观，可以增加私人LTCI的吸收。
Purpose of the StudyLong-term care (LTC) poses a significant strain on public health insurance financing. In response, there is policy interest in bolstering the private long-term care insurance (LTCI) market. Although families are central to LTC provision, their role in LTCI demand remains unclear. The purpose of this study was to obtain in-depth information concerning: (a) How do older parents evaluate the need for LTCI, (b) what role do adult children play? and (c) How do families communicate about parents’ LTC preferences and plans, including LTCI purchase?Design and MethodsWe conducted focus groups with older parents and adult children in diverse markets. Two groups were conducted with older parents who had purchased LTCI and two with parents who had not purchased LTCI. Four groups were conducted with adult children, mixed as to whether their parents had purchased LTCI. Probes were informed by published reasons for purchasing or not purchasing LTCI. We analyzed transcriptions using directed content analysis and constant comparative method.ResultsOlder parents valued autonomy for themselves and their children. Older parent purchasers regarded LTCI as supporting this value while nonpurchasers perceived limitations. Adult children described unstated expectations that they would care for their parents. Though discussions between parents and children about LTCI were rare, successful influence occurred when children appealed to shared values, specifically avoiding burden and remaining home.ImplicationsMessages that emphasize autonomy over LTC decisions and interventions that start the LTC conversation among families, with attention to shared values, could increase private LTCI uptake.