The long term financial impacts of CVD: Living standards in retirement
The long term financial impacts of CVD: Living standards in retirement
复制标题
DOI：
10.1016/j.ijcard.2010.10.046
复制
发表时间：
2012-03-22
影响因子：
3.5
通讯作者：
Percival, Richard
中科院分区：
文献类型：
--
作者：
Schofield, Deborah;Kelly, Simon;Percival, Richard
背景：心血管疾病（CVD）具有显著的经济成本，然而这些成本通常是目前估计的，很少考虑到长期的经济后果。这项研究估计了那些因心血管疾病提前退休的人在达到65岁的传统退休年龄时所积累的储蓄价值，以及与那些保持健康并在职的人相比，这些储蓄的价值低了多少。方法：使用Health&WealthMOD——一个年龄在45岁至64岁之间的澳大利亚人的微观模拟模型，使用回归模型来分析那些目前没有慢性疾病的人到65岁时的预计储蓄和退休收入之间的差异，以及由于心血管疾病而不在劳动力市场的人。结果：超过99%的全职雇员在65岁时会积累一些储蓄；而那些因心血管疾病而退出劳动力市场的人中，只有77%的人会这样做。那些因心血管疾病而提前退休的人，到65岁时，总储蓄的中位数为1833美元。这远低于全职劳动力的预期储蓄中值，后者将有281841美元的储蓄。结论：心血管疾病导致的提前退休不仅会限制个人的直接收入和财富，而且还会通过减少储蓄来降低他们的长期财务能力。2010爱思唯尔爱尔兰有限公司版权所有。
Background: Cardiovascular disease (CVD) has significant economic costs, however these are generally estimated for the present-time and little consideration is given to the long term economic consequences. This study estimates the value of savings those who retire early due to CVD will have accumulated by the time they reach the traditional retirement age of 65 years, and how much lower the value of these savings are compared to those who remained healthy and in the workforce.Methods: Using Health&WealthMOD - a microsimulation model of Australians aged 45 to 64 years, regression models were used to analyse the differences between the projected savings and the retirement incomes of people by the time they reach age 65 for those currently working with no chronic condition, and people not in the labour force due to CVD.Results: Over 99% of individuals who are employed full-time will have accumulated some savings at age 65; whereas only 77% of those who are out of the labour force due to CVD will have done so. Those who retire early due to CVD will have a median value of total savings by the time they are 65 of $1833. This is far lower than the expected median value of savings for those who remained in the labour force full-time, who will have $281841 of savings.Conclusions: Not only will early retirement due to cardiovascular disease limit the immediate income and wealth available to individuals, but also reduce their long term financial capacity by reducing their savings. (C) 2010 Elsevier Ireland Ltd. All rights reserved.