NHMRC Clinical Trials Centre, University of Sydney, Camperdown, NSW, Australia.
Int J Cardiol. 2012 Mar 22;155(3):406-8. doi: 10.1016/j.ijcard.2010.10.046. Epub 2010 Nov 20.
Cardiovascular disease (CVD) has significant economic costs, however these are generally estimated for the present-time and little consideration is given to the long term economic consequences. This study estimates the value of savings those who retire early due to CVD will have accumulated by the time they reach the traditional retirement age of 65 years, and how much lower the value of these savings are compared to those who remained healthy and in the workforce.
Using Health&WealthMOD - a microsimulation model of Australians aged 45 to 64 years, regression models were used to analyse the differences between the projected savings and the retirement incomes of people by the time they reach age 65 for those currently working with no chronic condition, and people not in the labour force due to CVD.
Over 99% of individuals who are employed full-time will have accumulated some savings at age 65; whereas only 77% of those who are out of the labour force due to CVD will have done so. Those who retire early due to CVD will have a median value of total savings by the time they are 65 of $1833. This is far lower than the expected median value of savings for those who remained in the labour force full-time, who will have $281841 of savings.
Not only will early retirement due to cardiovascular disease limit the immediate income and wealth available to individuals, but also reduce their long term financial capacity by reducing their savings.
心血管疾病（CVD）带来了巨大的经济成本，但这些成本通常是针对当前时期进行估算的，很少考虑到长期的经济后果。本研究估计了那些因 CVD 提前退休的人在达到传统退休年龄 65 岁时所积累的储蓄价值，以及与那些保持健康并继续工作的人相比，这些储蓄的价值要低多少。
使用 Health&WealthMOD——一种针对 45 至 64 岁澳大利亚人的微观模拟模型，回归模型用于分析那些目前没有慢性病且正在工作的人与因 CVD 而不在劳动力中的人，到 65 岁时他们的预计储蓄和退休收入之间的差异。
超过 99%的全职就业人员在 65 岁时将积累一定的储蓄；而由于 CVD 而失业的人员中，只有 77%的人这样做了。那些因 CVD 提前退休的人在 65 岁时的总储蓄中位数为 1833 美元。这远低于那些全职工作的人预计的储蓄中位数，他们将有 281841 美元的储蓄。
由于心血管疾病而提前退休不仅会限制个人的即时收入和财富，还会通过减少储蓄来降低他们的长期财务能力。
