Department of Health & Wellness Design, Indiana University Bloomington, USA.
Department of Kinesiology, University of Wisconsin-Madison, USA.
Dementia (London). 2024 Nov;23(8):1307-1326. doi: 10.1177/14713012241270730. Epub 2024 Aug 5.
Care partners of persons living with dementia perform significant financial planning in partnership with the person for whom they care. However, research is scarce on care partners' confidence and experiences with financial planning. The purpose of this study was, first, to quantify care partners' confidence across different financial planning topics. We sought to understand whether income, education, relationship type, and years of experience are related to care partners' level of confidence in financial planning. Second, we sought to better understand the reasons for these confidence ratings by examining care partners' experiences of financial planning.
We conducted an online survey that asked a combination of quantitative and qualitative questions to understand care partners' confidence and experiences with financial planning. Participants were nationally recruited care partners of persons living with dementia. Multivariate linear regression was used to understand different subgroups' levels of confidence in each financial planning topic. Inductive thematic analysis was used to understand qualitative data.
The financial planning topics in which participants ( = 318) felt the least confident were: options when there is not enough money to provide care; tax deductions available to cut care costs; and sources of money from government programs for which the care recipient is eligible. Differences in confidence were observed among care partners with lower incomes, less experience, and caring for a parent. Qualitatively, participants described the challenges of care budgeting and protecting personal finances; confusion about long-term care insurance and accessing resources; and, among confident care partners, reasons for this sense of preparedness.
These results underscore the need for tailored interventions and technologies that increase care partners' confidence in specific aspects of financial planning, including long-term care insurance, available financial support, and what to do when money runs out.
与他们所照顾的人合作，痴呆症患者的护理伙伴在财务规划方面发挥着重要作用。然而，关于护理伙伴对财务规划的信心和经验的研究很少。本研究的目的首先是量化护理伙伴在不同财务规划主题上的信心。我们试图了解收入、教育、关系类型和经验年限是否与护理伙伴对财务规划的信心水平相关。其次，我们通过检查护理伙伴的财务规划经验，试图更好地理解这些信心评级的原因。
我们进行了一项在线调查，该调查结合了定量和定性问题，以了解护理伙伴对财务规划的信心和经验。参与者是全国范围内招募的痴呆症患者的护理伙伴。多元线性回归用于了解不同亚组在每个财务规划主题上的信心水平。归纳主题分析用于理解定性数据。
参与者（n=318）对以下财务规划主题最缺乏信心：当没有足够的钱提供护理时的选择；可以降低护理成本的税收减免；以及符合护理接受者条件的政府计划的资金来源。收入较低、经验较少、照顾父母的护理伙伴之间存在信心差异。定性分析中，参与者描述了护理预算和保护个人财务的挑战；对长期护理保险和获取资源的困惑；以及在有信心的护理伙伴中，这种准备感的原因。
这些结果强调了需要量身定制的干预措施和技术，以提高护理伙伴对财务规划特定方面的信心，包括长期护理保险、可用的财务支持以及资金耗尽时的应对措施。
