Mellor J M
Department of Economics, The College of William and Mary, Williamsburg, VA 23187-8795, USA.
J Health Econ. 2001 Jul;20(4):527-47. doi: 10.1016/s0167-6296(01)00078-9.
Recent theoretical work suggests that in some cases, parents will forego the purchase of long-term care insurance and rely on child-provided care in old age. This paper uses data from the Asset and Health Dynamics survey and the Panel Study of Income Dynamics to examine whether the availability of children and other potential caregivers explains why so few elderly persons have long-term care insurance. In contrast to the notion that family members serve as substitutes for long-term care insurance, variables measuring the availability of informal caregivers have no statistically significant effect in models of insurance ownership and models of intentions to purchase insurance.
近期的理论研究表明，在某些情况下，父母会放弃购买长期护理保险，转而依赖子女在其老年时提供的照料。本文利用资产与健康动态调查以及收入动态面板研究的数据，来检验子女及其他潜在照料者的可获得性是否能够解释为何仅有极少数老年人拥有长期护理保险。与家庭成员可替代长期护理保险这一观点相反，衡量非正式照料者可获得性的变量，在保险拥有情况模型和购买保险意向模型中均无统计学上的显著影响。
