Perceived Income Adequacy Among Older Adults in 12 Countries: Findings From the Survey of Health, Ageing, and Retirement in Europe
Perceived Income Adequacy Among Older Adults in 12 Countries: Findings From the Survey of Health, Ageing, and Retirement in Europe
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DOI：
10.1093/geront/gnp036
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发表时间：
2009-06-01
期刊：
影响因子：
5.7
通讯作者：
Sapir, Ellyahu V.
中科院分区：
文献类型：
--
作者：
Litwin, Howard;Sapir, Ellyahu V.
目的：在国际范围内验证主观收入的调查研究措施，以感知收入充足性为衡量标准。设计和方法：研究人群包括来自欧洲健康、老龄化和退休调查的12个国家的50岁及以上的人（n = 28，939）。人们认为，入不敷出的困难程度与社会人口变量、经济指标、健康状况衡量标准以及对个人财务前景的预期有关。还控制了国家差异。结果如下：研究结果证实了一个多层面的解释，认为收入充足，但也指出，在预测家庭财务困境的首要目标的经济指标。80岁及以上的受访者报告经济困难较少。健康状况不佳和悲观的财务预期也预示着更大的家庭财务困境，但程度较低。含义：自评经济状况是老年人财务能力的一个强有力的指标，从业人员可以利用它来获得有意义的信息。然而，从业人员应记住，最年长的老人可能低估了经济困难。
Purpose: To validate a survey research measure of subjective income, as measured by perceived income adequacy, in an international context. Design and Methods: The study population comprised persons aged 50 years and older in 12 countries from the Survey of Health, Ageing and Retirement in Europe (n = 28,939). Perceived difficulty in making ends meet was regressed on sociodemographic variables, economic indicators, health status measures, and expectations regarding one's financial future. Country differences were also controlled. Results: The findings confirm a multidimensional explanation of perceived income adequacy but also point to the primacy of objective economic indicators in predicting household financial distress. Respondents aged 80 years and older report less financial difficulty. Poor health status and pessimistic financial expectations also predict greater household financial distress but to a lesser degree. Implications: Self-rated economic status is a robust indicator of financial capacity in older age and can be used by practitioners to gain meaningful information. However, practitioners should keep in mind that the oldest-old may underestimate financial difficulties.