Long Term Care

Social long-term care insurance with two-sided altruism
This paper studies the design of a social long-term care (LTC) insurance when altruism is two-sided. The…
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Long-term care insurance: a multi-state semi-Markov model to describe the dependency process for elderly people
(Contribution of a SCOR expert in an external publication) The pricing of today's long-term care insurance products relies…
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Long-Term Care: Meeting Needs through Product Flexibility
Companies in the individual long-term care insurance (LTCI) market have learned much since the introduction of their…
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The political choice of social long term care transfers when family gives time and money
We develop a model where families consist of one parent and one child, with children differing in…
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An Integrated Notional Defined Contribution (NDC) Pension Scheme with Retirement and Permanent Disability
This paper develops a multistate overlapping generations model (MOLG) that integrates oldage and permanent disability into a…
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Long term care and capital accumulation: the impact of the State, the market and the family
The rising level of long-term care (LTC) expenditures and their financing sources are likely to impact savings…
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Means-tested long term care and family transfers
One of the pervasive problems with means-tested public long term care (LTC) programs is their inability to…
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Long Term Care and Longevity
(Contribution from a SCOR expert in an external publication) The increase of the expected lifetime, that is the…
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Long-term care and lazy rotten kids
This paper studies the determination of informal long-term care (family aid) to dependent elderly in a worst…
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Construction of biometric actuarial bases for long-term care insurance
The issue of long-term care, for not only the elderly but also younger people, arises in most…
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Focus Long-Term Care Insurance
This Focus intends to provide readers with an overview of the current status of public and private…
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Private, social and self insurance for long-term care: A political economy analysis
We analyze the determinants of the demand for social, private and self-insurance for long-term care in an…
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Why do the French not purchase more long-term care cover?
Only 8% of people over forty are holders of a long-term care (LTC) insurance policy in France.…
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Long-Term Care Riders Gaining Popularity
Life insurance is sold to needs. For the past few decades, most life insurance consumers bought coverage…
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Disability insurance systems are widely criticized for their inherent work disincentives. This paper evaluates the effects of…
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Long-term care (LTC) needs are expected to rapidly increase in the next decades and at the same…
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L’objectif de cet article est de faire un tour d’horizon du marché des soins de longue durée.…
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This paper investigates theoretically how the structure of means-tested public long-term care (LTC) support influences the relationship…
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Due to the ageing process, the provision of long-term care (LTC) to the dependent elderly has become…
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A paradigm shift from impairment and functional limitation to the disability approach The objectives of this study…
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The group benefits landscape is changing dramatically. The menu of available options has grown; employers are paying…
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We develop a model where families consist of one parent and one child, with children differing in…
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Moral hazard in public insurance for long-term care may be counteracted by strategies influencing supply or demand.…
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Long-term care (LTC) is the largest insurable risk that old-age individuals face in most western societies. However,…
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We provide a lifecycle framework for comparing the insurance value and the incentive cost of disability benefits.…
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As carriers have learned over the last two decades, Long-Term Care insurance (LTCi) is a risky business.…
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Cet article propose d’illustrer la mise en œuvre de méthodes d’estimation non paramétriques, introduites dans le cadre…
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In this paper, we focus on uncertainty issues on disabled lives survival probabilities of LTC insurance policyholders…
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We consider a large, homogeneous portfolio of life or disability annuity policies. The policies are assumed to…
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We propose a strategy for assessing how the inflow to the disability insurance program has been governed…
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Cet article propose d’illustrer la mise en oeuvre de méthodes d’estimation non paramétriques, introduites dans le cadre…
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In this paper, we focus on uncertainty issues on survival probabilities of LTC-claimants and its consequences on…
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Although long-term care is a substantial financial risk for retired households, only about 10 percent purchase insurance,…
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When public long-term care (LTC) insurance is provided by insurers, they typically lack incentives for purchasing cost-effective…
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The demand for long-term care (LTC) insurance depends – among other things – on the relationship between…
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This research report assesses the financial impact of private health and long-term care expenditure on households of…
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Long-term care (LTC) risks concern not only the elderly but also their adult children whenever they are…
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Disability Insurance (DI) programs have long been criticized by economists for apparent work disincentives. Some countries have…
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The public provision of long-term care (LTC) can replace family-provided LTC when adults are not sufficiently altruistic…
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This paper suggests that many people find the annuitization decision complex, and that this complexity, rather than…
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We study the role of social long term care (LTC) insurance when income taxation and private insurance…
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Most developed countries are facing financial pressures as their social support systems attempt to meet the needs…
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The potential need for long-term care (LTC) is one of the greatest financial risks faced not only…
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This paper provides a life-cycle framework for weighing up the insurance value of disability benefits against the…
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The purpose of this paper is to examine the alternative explanatory factors of the so-called long term…
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Ageing populations in developed countries are being driven by strong social and structural demographic movements leading to…
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Le vieillissement démographique fait craindre une augmentation considérable du nombre de personnes âgées souffrant d‘incapacités et ayant…
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As the number and share of the population aged 65 and over will continue to grow steadily…
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We demonstrate the existence of multiple dimensions of private information in the long-term care insurance market. Two…
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Is the risk of dependence on long-term care insurable? An international survey (in French only) Since aging…
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Finland

Does Experience Rating Reduce Disability Inflow?

Life > Long Term Care
04/2013
This study explores whether the experience rating of employers' disability insurance premiums affects the inflow of older…
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France

1 / Société et vieillissement Rapport final du groupe de travail 1 Annexes du rapport du groupe…
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A presentation from the 7th Geneva Association Health & Ageing Conference   Sophie Michon Working Paper Series,…
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(in French only) Based on the report "Handicap-Incapacités-Dépendance" of the French Ministère de la Santé and on…
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Germany

     
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The discussion concerning long-term care insurance in Germany barely exceeds the financial state of the social system.…
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In Germany long-term care is an important issue
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Israël

Group Long-Term Care Insurance

Life > Long Term Care
12/2004
Circular Letter 2004/11
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Circular Letter 2003/9
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Individual Long Term Care Insurance

Life > Long Term Care
04/2002
Circular Letter 2002/6
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Japan

Japan’s long-term care insurance system requires that for-profit and non-profit at-home care service providers provide the same…
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This paper aims to examine the factors which affect the market shares of several nonprofit and for-profit…
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The Future of Long-term Care in Japan

Life > Long Term Care
07/2013
This paper reviews a decade of implementation of the public long-term care insurance (LTCI) program in Japan,…
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Japan is enjoying the highest life expectancy in the world with relatively low health care costs (7.9%…
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Amalgamation offers municipalities an incentive to free ride when they can subrogate the load onto the newly…
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Netherlands

This paper uses synthetic life-cycle paths at the individual level to analyze the distribution of long-term care…
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The Netherlands, as other OECD countries, faces the challenge of providing high quality health and long-term care…
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This paper analyzes selection and incentive effects of opting out from public to private insurance on employer…
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Norway

Two key questions in thinking about the size and growth of the disability insurance program are to…
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Singapore

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Q&A on Eldershield

Life > Long Term Care
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Spain

We present a methodology to measure the risk of incurring extremely large individual lifetime costs of long-term…
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(in Spanish) In 2011 the Social Services of the Barcelona City Council launched a programme aimed at…
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The passing of Act 39/2006, of 14th December, on the Promotion of Personal Autonomy and Care for…
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This paper analyzes the rationale of long-term care insurance purchasing, from a statistical analysis of insurance data…
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Switzerland

Disability insurance (DI) beneficiaries lose part of their benefits if their earnings exceed certain thresholds (“cash-cliffs”). This…
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United Kingdom

The aim of this research was to explore how NHS (National Health Services) commissioning could be enacted to…
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Disability rolls have escalated in developed nations over the last 40 years. The UK, however, stands out…
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USA

The recognition that over time the high cost of LTC could potentially exhaust the assets of even…
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Family Spillovers of Long-Term Care Insurance

Life > Long Term Care
08/2015
We examine how long-term care insurance (LTCI) affects family outcomes expected to be sensitive to LTCI, including…
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The risk of high costs of long-term care services and supports (LTSS) is one of the largest…
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Few Social Security Disability Insurance (DI) beneficiaries return to the labor force, making it hard to assess…
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Long-term care is one of the major expenses faced by many older Americans. Yet, we have only…
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Building on the findings of Lin and Prince (2013), we analyze several additional potential determinants of response…
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We follow a sample of working-age Social Security Disability Insurance (DI) program beneficiaries for five years after…
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How Do the Disabled Cope While Waiting for SSDI?

Life > Long Term Care
06/2013
The wait time for a Social Security Disability Insurance (SSDI) award varies from a few months to…
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Although long-term care is a substantial financial risk for retired households, only about 10 percent purchase insurance,…
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Insuring Long-Term Care in the United States

Life > Long Term Care
10/2011
Long-term care expenditures constitute one of the largest uninsured financial risks facing the elderly in the United…
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Evolution, market trends and future challenges   Susan Coronel Health and Ageing n°24, April 2011, The Geneva…
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The 7th Health & Ageing Conference held on November 2010 - The Geneva Association
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Experience studies on Long Term Care

Life > Long Term Care
Society of Actuaries
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International Comparisons

Health and disability insurance

Life > Long Term Care
12/2013
Disability insurance - the insurance against the loss of the ability to work - is a substantial…
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International differences in long-term care (LTC) use are well documented, but not well understood. Using comparable data…
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Summary of the 7th Geneva Association Health and Ageing Conference
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As part of health care reform, Congress is considering the Community Living Assistance Services and Supports (CLASS)…
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This study aims to: • Describe the key features of social care funding and service delivery in…
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Overview

In the context of an unprecedented aging process, the role of domiciliary care for older adults is…
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The Long-term Care (LTC) coverage is an important societal issue for the developed countries which requires the…
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Long-term care and births timing

Life > Long Term Care
03/2015
Due to the ageing process, the provision of long-term care (LTC) to the dependent elderly has become…
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Publicly provided long-term care (LTC) insurance with means-tested benefits is suspected to crowd out either private LTC…
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This paper proposes a new set of public health and long-term care expenditure projections until 2060, seven…
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This paper reviews trends in mortality and morbidity to evaluate whether there has been a compression of…
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What is the relationship between longevity and health? Health expectancies were developed more than 30 years ago…
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This paper tests whether there is evidence of compression of morbidity using data from the American Health…
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The average length of life has risen from 47 to 73 years in this century, but the…
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The Failures of Success

Life > Long Term Care
10/1976
"The problem I wish to discuss must be seen as a historical process if it is to…
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China

The CLHLS has the largest sample of centenarians in the world according to a report in Science.
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This study is based on survey data from a sample of 8,805 elders aged 80-105 in 22…
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France

Karine Pérès Health and Ageing n°24, April 2011, The Geneva Association
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INSERM – étude PAQUID

Life > Long Term Care
Dans le cadre du partenariat de collaboration institué entre l'INSEE et l'FRH pour la réalisation et l'exploitation…
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De nombreuses études sur l’Allocation Personnalisée d’Autonomie, le régime public de couverture de la dépendance APA à…
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Germany

Long-term care and the increase in life expectancy in Germany. A contribution to the “compression of morbidity”…
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Proxies' assessment of the patients' QoL is related to the proxies' health, and the difference of patient's…
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Japan

This website provides information regarding the Japanese Study of Aging and Retirement (JSTAR), a panel survey of…
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United Kingdom

The Cognitive Function and Ageing Studies are large UK-based longitudinal multicentre studies looking at health and cognitive…
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USA

Long-term care is one of the major expenses faced by many older Americans. Yet, we have only…
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The objective of this paper is to estimate the burden of chronic disability on the U.S. elderly…
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Health Expectancy

Life > Long Term Care
02/2010
This paper presents a different approach to measuring Health Expectancy, especially as it relates to the elderly…
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In this article, we examine changes in life expectancy free of disability using longitudinal data collected from…
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