Richard W. Johnson (
Claire Xiaozhi Wang is a graduate student at Leiden University, in the Netherlands. She was a research analyst in the Income and Benefits Policy Center at the Urban Institute at the time this research was done.
Health Aff (Millwood). 2019 Jun;38(6):994-1002. doi: 10.1377/hlthaff.2019.00025.
Paid home care can significantly improve the lives of older adults with disabilities and their families, but recipients often incur substantial out-of-pocket spending. We simulated the financial burden of paid home care for a nationally representative sample of non-Medicaid community-dwelling adults ages sixty-five and older. We found that 74 percent could fund at least two years of a moderate amount of paid home care if they liquidated all of their assets, and 58 percent could fund at least two years of an extensive amount of paid home care. Among older adults with significant disabilities, however, only 57 percent could fund at least two years of moderate paid home care by liquidating all of their assets, and 40 percent could fund at least two years of extensive paid home care. Paid home care could become less affordable if growing labor shortages raise future costs.
付费家庭护理可以显著改善残疾老年人及其家庭的生活，但接受者通常会产生大量的自付费用。我们对全国范围内具有代表性的、不享受医疗补助的、居住在社区的 65 岁及以上的成年人进行了模拟，以了解付费家庭护理的经济负担。结果发现，如果老年人变卖其所有资产，74%的人可以负担至少两年中等水平的付费家庭护理，58%的人可以负担至少两年高水平的付费家庭护理。然而，在身体有重大残疾的老年人中，只有 57%的人可以通过变卖其所有资产来负担至少两年的中等水平付费家庭护理，40%的人可以负担至少两年的高水平付费家庭护理。如果劳动力短缺问题日益严重，导致未来成本上升，那么付费家庭护理的费用可能会变得更加难以承受。
