Family structure and long-term care insurance purchase.
Family structure and long-term care insurance purchase.
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DOI：
10.1002/hec.3145
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发表时间：
2015-03
期刊：
影响因子：
2.1
通讯作者：
Konetzka RT
中科院分区：
文献类型：
--
作者：
Van Houtven CH;Coe NB;Konetzka RT
长期以来，人们一直认为家庭结构和非正式护理的潜在来源在长期护理保险（LTCI）的购买决策中发挥着重要作用，目前的经验证据是不确定的。我们的研究探讨了家庭结构和LTCI购买之间的关系，并解决了几个主要的局限性，以前的文献，通过使用一个长面板的数据，并考虑现代家庭关系，如存在的继子。我们发现，自己这一代人的家庭结构特征，特别是配偶的家庭结构特征，与购买有关，但年轻一代的家庭结构属性很少有影响。可能表明未来照顾者供应的家庭因素与购买呈负相关：有一个同居的孩子，信号接近，有一个目前工作的配偶，信号健康和有能力的配偶，LTC规划尚未发生，或者不太需要LTCI提供的资产保护。动态因素，如财富增加或年满65岁，与购买LTCI的可能性较高有关。
While it has long been assumed that family structure and potential sources of informal care play a large role in the purchase decisions for long-term care insurance (LTCI), current empirical evidence is inconclusive. Our study examines the relationship between family structure and LTCI purchase and addresses several major limitations of the prior literature by using a long panel of data and considering modern family relationships, such as presence of stepchildren. We find that family structure characteristics from one’s own generation, particularly about one’s spouse, are associated with purchase, but that few family structure attributes from the younger generation have an influence. Family factors that may indicate future caregiver supply are negatively associated with purchase: having a coresidential child, signaling close proximity, and having a currently working spouse, signaling a healthy and able spouse, that LTC planning has not occurred yet, or that there is less need for asset protection afforded by LTCI. Dynamic factors, such as increasing wealth or turning 65, are associated with higher likelihood of LTCI purchase.