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首页> 外文期刊>Gerontologist, The (Combination: The Gerontologist, The Journals of Gerontology: Series A, & The Journals of Gerontology: Series B)New >Private Long-term Care Insurance: Value to Claimants and Implications for Long-term Care Financing
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Private Long-term Care Insurance: Value to Claimants and Implications for Long-term Care Financing

机译：私人长期护理保险：对索赔人的价值及其对长期护理融资的影响

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摘要

Purpose: The purpose of this study was to obtain a profile of individuals with private long-term care (LTC) insurance as they begin using paid LTC services and track their patterns of service use, satisfaction with services and insurance, claims denial rates, and transitions over a 28-month period. Design and Methods: Ten LTC insurance companies contributed a random sample of 1,474 qualified individuals who were interviewed in-person by a trained nurse and then interviewed telephonically every 4 month for a 28-month period. Used in the analysis were descriptive statistics and techniques for analyzing longitudinal panel data. Results: About 96% of those filing claims were approved for payment. At baseline, 37% received home care, 23% assisted living care, 14% were in a nursing home, and 26% had not yet begun using paid care. Few claimants reported that their policies restricted their choice of providers and most care costs were covered. The average number of care transitions was 1, typically occurring within 4 month of baseline. The less impaired and those in home care settings were most likely to transition between service settings. Implications: Having private LTC coverage enabled claimants to exercise their preference for alternatives to nursing home care.
机译：目的：本研究的目的是了解开始使用付费长期护理（LTC）保险的个人的概况，并跟踪他们的服务使用方式，对服务和保险的满意度，拒绝索赔率以及在28个月内过渡。设计与方法：十家LTC保险公司随机抽取了1,474名合格人员的样本，这些人员由经过培训的护士进行了现场采访，然后每4个月进行一次电话采访，为期28个月。分析中使用的是描述性统计数据和用于分析纵向面板数据的技术。结果：约有96％的索赔被批准付款。基线时，有37％的人接受了家庭护理，23％的辅助生活护理，14％的疗养院和26％的人尚未开始使用有偿护理。很少有索赔人报告说，他们的政策限制了他们选择提供者的机会，而且大多数护理费用都得到了赔偿。平均护理过渡次数为1，通常发生在基线的4个月内。受损程度较小的人和家庭护理环境中的人最有可能在服务环境之间转换。含义：拥有私人LTC承保范围使索赔人可以选择养老院护理替代方案。

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