Hays A M, Branch L G
Regis College, Division of Nursing, Weston, MA 02193.
Home Health Care Serv Q. 1994;14(4):87-103. doi: 10.1300/J027v14n04_07.
This research describes characteristics of community living elders aged 71 and older with long-term care (LTC) needs who pay out-of-pocket for community-based LTC. Community living elders with higher incomes, more friends and non-child relatives outside the home, and greater ADL or IADL needs are more likely to purchase LTC than those without these characteristics. Also the lack of sufficient numbers of children outside the home to provide assistance tended to result in the use of out-of-pocket paid services. Paying for LTC is not associated with the extent of disability experienced. This study clarifies the characteristics of those in need who currently pay out-of-pocket for community LTC as a basis for examining the inadequacies of current LTC financing.
本研究描述了71岁及以上有长期护理（LTC）需求且自掏腰包支付社区长期护理费用的社区居住老年人的特征。与没有这些特征的老年人相比，收入较高、在家外有更多朋友和非子女亲属且日常生活活动（ADL）或工具性日常生活活动（IADL）需求更大的社区居住老年人更有可能购买长期护理服务。此外，由于缺乏足够数量的家外子女提供帮助，往往导致使用自掏腰包付费的服务。支付长期护理费用与所经历的残疾程度无关。本研究阐明了目前自掏腰包支付社区长期护理费用的需求者的特征，以此作为审视当前长期护理融资不足之处的基础。
