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Group long-term care insurance: decision-making factors and implications for financing long-term care



Group long-term care insurance: decision-making factors and implications for financing long-term care



Journal of Aging and Social Policy 20(2): 165-181



This study proposes and tests a systemic family decision-making framework to understand group long-term care insurance (LTCI) enrollment decisions. A random sample of public employees who were offered group LTCI as a workplace benefit were examined. Findings reveal very good predictive efficacy for the overall conceptual framework with a pseudo R2 value of .687, and reinforced the contributions of factors within the family system. Enrollees were more likely to have discussed the decision with others, used information sources, and had prior experience when compared to non-enrollees. Perceived health status, financial knowledge, attitudes regarding the role of private insurance, risk taking, and coverage features were additional factors related to enrollment decisions. The findings help to inform policymakers about the potential of LTCI as one strategy for financing long-term care.

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Accession: 053447241

Download citation: RISBibTeXText

PMID: 18788363

DOI: 10.1080/08959420801977533


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