Cohen M A
Health Care Financ Rev. 1988 Dec;Spec No(Suppl):139-43.
Continuing care retirement communities provide full insurance protection for and access to long-term care services. A new model, which retains risk pooling for long-term care and provides benefits and protections similar to continuing care retirement communities, is called life care at home. Life care at home combines the financial and health security of a continuing care retirement community with the freedom and independence of living at home and is affordable to a greater proportion of elderly people. The feasibility of this model is, in part, supported by the fact that nursing home use in the fully insured access-guaranteed continuing care retirement community is not that different from use among the elderly living in the general community.
持续照料退休社区提供长期护理服务的全额保险保障及获取途径。一种新模式，即保留长期护理的风险共担并提供与持续照料退休社区类似的福利和保障，被称为居家生活照料。居家生活照料将持续照料退休社区的财务和健康保障与居家生活的自由和独立相结合，且对更大比例的老年人来说是负担得起的。这种模式的可行性部分得到以下事实的支持：在享有全额保险保障且保证入住资格的持续照料退休社区中，养老院的使用情况与一般社区中老年人的使用情况并无太大差异。
