Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing
A scarcity of empirical information to specify appropriate provisions and base rates for coverage has hindered the development of long-term-care (LTC) insurance. Data from three nationally representative surveys on the prevalence of morbidity and functional limitations among the elderly population s...
Gespeichert in:
| Veröffentlicht in: | The Milbank quarterly 1990-01, Vol.68 (3), p.445-492 |
|---|---|
| Hauptverfasser: | , , |
| Format: | Artikel |
| Sprache: | eng |
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Tags: |
Tag hinzufügen
Keine Tags, Fügen Sie den ersten Tag hinzu!
|
| container_end_page | 492 |
|---|---|
| container_issue | 3 |
| container_start_page | 445 |
| container_title | The Milbank quarterly |
| container_volume | 68 |
| creator | Liu, Korbin Manton, Kenneth G. Liu, Barbara Marzetta |
| description | A scarcity of empirical information to specify appropriate provisions and base rates for coverage has hindered the development of long-term-care (LTC) insurance. Data from three nationally representative surveys on the prevalence of morbidity and functional limitations among the elderly population suggest that health status among older Americans is highly dynamic, especially at higher disability levels. The bioactuarial data may help insurers define potential markets of purchasers of policies, and identify the numbers of persons with disabilities severe enough to trigger use of benefits. If the accuracy of individual service predictions could be increased further, reserve requirements and overall costs to LTC insurance carriers might be reduced. |
| doi_str_mv | 10.2307/3350113 |
| format | Article |
| fullrecord | <record><control><sourceid>jstor_proqu</sourceid><recordid>TN_cdi_proquest_miscellaneous_839234451</recordid><sourceformat>XML</sourceformat><sourcesystem>PC</sourcesystem><jstor_id>3350113</jstor_id><sourcerecordid>3350113</sourcerecordid><originalsourceid>FETCH-LOGICAL-c423t-ea5b91bb1dfb01de9ff4f82764626cce0a4a1f8afbe43973a632bac949b509d93</originalsourceid><addsrcrecordid>eNp90UFLHDEYBuBQWnTV4i8QQit6cWy-JDOTeJOt1oUVLxZ66pDMJDbLTLJNZg777xt1URDs6Qv5Hl4SXoQOgZxTRupvjJUEgH1AM-CVKAgh8iOaESHqgtXi1y7aS2mVbwljYgftUKAlAMzQ79sQtevcuDnD311S2vVPZ-U7vAz-obg3ccBzFQ0OFo9_DL7qOxP7zQVeDOvetWp0wSdsQ8QLn6aofGvwtfN5Ov9wgD5Z1SfzeTv30c_rq_v5TbG8-7GYXy6LllM2FkaVWoLW0FlNoDPSWm4FrSte0aptDVFcgRXKasOZrJmqGNWqlVzqkshOsn10-py7juHvZNLYDC61pu-VN2FKjWCSMs5LyPLk_5KAlLTkGX55A1dhij7_oqFUVJAJy-jrewioBMFrQtnr69oYUorGNuvoBhU3DZDmsb5mW1-WR9u8SQ-me3HbvvL--Hm_SmOI78b8A9lunUc</addsrcrecordid><sourcetype>Aggregation Database</sourcetype><iscdi>true</iscdi><recordtype>article</recordtype><pqid>1291847023</pqid></control><display><type>article</type><title>Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing</title><source>Applied Social Sciences Index & Abstracts (ASSIA)</source><source>Jstor Complete Legacy</source><source>MEDLINE</source><source>PAIS Index</source><source>Periodicals Index Online</source><creator>Liu, Korbin ; Manton, Kenneth G. ; Liu, Barbara Marzetta</creator><creatorcontrib>Liu, Korbin ; Manton, Kenneth G. ; Liu, Barbara Marzetta</creatorcontrib><description>A scarcity of empirical information to specify appropriate provisions and base rates for coverage has hindered the development of long-term-care (LTC) insurance. Data from three nationally representative surveys on the prevalence of morbidity and functional limitations among the elderly population suggest that health status among older Americans is highly dynamic, especially at higher disability levels. The bioactuarial data may help insurers define potential markets of purchasers of policies, and identify the numbers of persons with disabilities severe enough to trigger use of benefits. If the accuracy of individual service predictions could be increased further, reserve requirements and overall costs to LTC insurance carriers might be reduced.</description><identifier>ISSN: 0887-378X</identifier><identifier>EISSN: 1468-0009</identifier><identifier>DOI: 10.2307/3350113</identifier><identifier>PMID: 2125111</identifier><identifier>CODEN: MIQUES</identifier><language>eng</language><publisher>United States: Cambridge University Press</publisher><subject>Aged ; Care of the aged ; Chronic Disease - epidemiology ; Chronic diseases ; Disabilities ; Disability Evaluation ; Disability insurance ; Disabled persons ; Female ; Health care ; Health insurance ; Health Services for the Aged - economics ; Humans ; Insurance ; Insurance premiums ; Insurance, Long-Term Care - organization & administration ; Life Expectancy ; Long term health care ; Long-Term Care - economics ; Long-Term Care - utilization ; Male ; Medical conditions ; Mortality ; Nursing homes ; Older adults ; Older people ; Prevalence ; Social research ; United States - epidemiology</subject><ispartof>The Milbank quarterly, 1990-01, Vol.68 (3), p.445-492</ispartof><rights>Copyright 1990 Milbank Memorial Fund</rights><rights>Copyright Blackwell Publishers Inc. 1990</rights><lds50>peer_reviewed</lds50><woscitedreferencessubscribed>false</woscitedreferencessubscribed><citedby>FETCH-LOGICAL-c423t-ea5b91bb1dfb01de9ff4f82764626cce0a4a1f8afbe43973a632bac949b509d93</citedby></display><links><openurl>$$Topenurl_article</openurl><openurlfulltext>$$Topenurlfull_article</openurlfulltext><thumbnail>$$Tsyndetics_thumb_exl</thumbnail><linktopdf>$$Uhttps://www.jstor.org/stable/pdf/3350113$$EPDF$$P50$$Gjstor$$H</linktopdf><linktohtml>$$Uhttps://www.jstor.org/stable/3350113$$EHTML$$P50$$Gjstor$$H</linktohtml><link.rule.ids>314,776,780,799,27843,27846,27901,27902,30976,57992,58225</link.rule.ids><backlink>$$Uhttps://www.ncbi.nlm.nih.gov/pubmed/2125111$$D View this record in MEDLINE/PubMed$$Hfree_for_read</backlink></links><search><creatorcontrib>Liu, Korbin</creatorcontrib><creatorcontrib>Manton, Kenneth G.</creatorcontrib><creatorcontrib>Liu, Barbara Marzetta</creatorcontrib><title>Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing</title><title>The Milbank quarterly</title><addtitle>Milbank Q</addtitle><description>A scarcity of empirical information to specify appropriate provisions and base rates for coverage has hindered the development of long-term-care (LTC) insurance. Data from three nationally representative surveys on the prevalence of morbidity and functional limitations among the elderly population suggest that health status among older Americans is highly dynamic, especially at higher disability levels. The bioactuarial data may help insurers define potential markets of purchasers of policies, and identify the numbers of persons with disabilities severe enough to trigger use of benefits. If the accuracy of individual service predictions could be increased further, reserve requirements and overall costs to LTC insurance carriers might be reduced.</description><subject>Aged</subject><subject>Care of the aged</subject><subject>Chronic Disease - epidemiology</subject><subject>Chronic diseases</subject><subject>Disabilities</subject><subject>Disability Evaluation</subject><subject>Disability insurance</subject><subject>Disabled persons</subject><subject>Female</subject><subject>Health care</subject><subject>Health insurance</subject><subject>Health Services for the Aged - economics</subject><subject>Humans</subject><subject>Insurance</subject><subject>Insurance premiums</subject><subject>Insurance, Long-Term Care - organization & administration</subject><subject>Life Expectancy</subject><subject>Long term health care</subject><subject>Long-Term Care - economics</subject><subject>Long-Term Care - utilization</subject><subject>Male</subject><subject>Medical conditions</subject><subject>Mortality</subject><subject>Nursing homes</subject><subject>Older adults</subject><subject>Older people</subject><subject>Prevalence</subject><subject>Social research</subject><subject>United States - epidemiology</subject><issn>0887-378X</issn><issn>1468-0009</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>1990</creationdate><recordtype>article</recordtype><sourceid>EIF</sourceid><sourceid>K30</sourceid><sourceid>7QJ</sourceid><sourceid>7TQ</sourceid><recordid>eNp90UFLHDEYBuBQWnTV4i8QQit6cWy-JDOTeJOt1oUVLxZ66pDMJDbLTLJNZg777xt1URDs6Qv5Hl4SXoQOgZxTRupvjJUEgH1AM-CVKAgh8iOaESHqgtXi1y7aS2mVbwljYgftUKAlAMzQ79sQtevcuDnD311S2vVPZ-U7vAz-obg3ccBzFQ0OFo9_DL7qOxP7zQVeDOvetWp0wSdsQ8QLn6aofGvwtfN5Ov9wgD5Z1SfzeTv30c_rq_v5TbG8-7GYXy6LllM2FkaVWoLW0FlNoDPSWm4FrSte0aptDVFcgRXKasOZrJmqGNWqlVzqkshOsn10-py7juHvZNLYDC61pu-VN2FKjWCSMs5LyPLk_5KAlLTkGX55A1dhij7_oqFUVJAJy-jrewioBMFrQtnr69oYUorGNuvoBhU3DZDmsb5mW1-WR9u8SQ-me3HbvvL--Hm_SmOI78b8A9lunUc</recordid><startdate>19900101</startdate><enddate>19900101</enddate><creator>Liu, Korbin</creator><creator>Manton, Kenneth G.</creator><creator>Liu, Barbara Marzetta</creator><general>Cambridge University Press</general><general>Published for the Milbank Memorial Fund by Cambridge University Press</general><general>Blackwell Publishing Ltd</general><scope>CGR</scope><scope>CUY</scope><scope>CVF</scope><scope>ECM</scope><scope>EIF</scope><scope>NPM</scope><scope>AAYXX</scope><scope>CITATION</scope><scope>JQCIK</scope><scope>K30</scope><scope>PAAUG</scope><scope>PAWHS</scope><scope>PAWZZ</scope><scope>PAXOH</scope><scope>PBHAV</scope><scope>PBQSW</scope><scope>PBYQZ</scope><scope>PCIWU</scope><scope>PCMID</scope><scope>PCZJX</scope><scope>PDGRG</scope><scope>PDWWI</scope><scope>PETMR</scope><scope>PFVGT</scope><scope>PGXDX</scope><scope>PIHIL</scope><scope>PISVA</scope><scope>PJCTQ</scope><scope>PJTMS</scope><scope>PLCHJ</scope><scope>PMHAD</scope><scope>PNQDJ</scope><scope>POUND</scope><scope>PPLAD</scope><scope>PQAPC</scope><scope>PQCAN</scope><scope>PQCMW</scope><scope>PQEME</scope><scope>PQHKH</scope><scope>PQMID</scope><scope>PQNCT</scope><scope>PQNET</scope><scope>PQSCT</scope><scope>PQSET</scope><scope>PSVJG</scope><scope>PVMQY</scope><scope>PZGFC</scope><scope>7QJ</scope><scope>7TQ</scope><scope>8BJ</scope><scope>DHY</scope><scope>DON</scope><scope>FQK</scope><scope>JBE</scope><scope>K9.</scope><scope>7X8</scope></search><sort><creationdate>19900101</creationdate><title>Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing</title><author>Liu, Korbin ; Manton, Kenneth G. ; Liu, Barbara Marzetta</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c423t-ea5b91bb1dfb01de9ff4f82764626cce0a4a1f8afbe43973a632bac949b509d93</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>1990</creationdate><topic>Aged</topic><topic>Care of the aged</topic><topic>Chronic Disease - epidemiology</topic><topic>Chronic diseases</topic><topic>Disabilities</topic><topic>Disability Evaluation</topic><topic>Disability insurance</topic><topic>Disabled persons</topic><topic>Female</topic><topic>Health care</topic><topic>Health insurance</topic><topic>Health Services for the Aged - economics</topic><topic>Humans</topic><topic>Insurance</topic><topic>Insurance premiums</topic><topic>Insurance, Long-Term Care - organization & administration</topic><topic>Life Expectancy</topic><topic>Long term health care</topic><topic>Long-Term Care - economics</topic><topic>Long-Term Care - utilization</topic><topic>Male</topic><topic>Medical conditions</topic><topic>Mortality</topic><topic>Nursing homes</topic><topic>Older adults</topic><topic>Older people</topic><topic>Prevalence</topic><topic>Social research</topic><topic>United States - epidemiology</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Liu, Korbin</creatorcontrib><creatorcontrib>Manton, Kenneth G.</creatorcontrib><creatorcontrib>Liu, Barbara Marzetta</creatorcontrib><collection>Medline</collection><collection>MEDLINE</collection><collection>MEDLINE (Ovid)</collection><collection>MEDLINE</collection><collection>MEDLINE</collection><collection>PubMed</collection><collection>CrossRef</collection><collection>Periodicals Index Online Segment 33</collection><collection>Periodicals Index Online</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - West</collection><collection>Primary Sources Access (Plan D) - International</collection><collection>Primary Sources Access & Build (Plan A) - MEA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Midwest</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Northeast</collection><collection>Primary Sources Access (Plan D) - Southeast</collection><collection>Primary Sources Access (Plan D) - North Central</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Southeast</collection><collection>Primary Sources Access (Plan D) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - UK / I</collection><collection>Primary Sources Access (Plan D) - Canada</collection><collection>Primary Sources Access (Plan D) - EMEALA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - North Central</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - International</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - International</collection><collection>Primary Sources Access (Plan D) - West</collection><collection>Periodicals Index Online Segments 1-50</collection><collection>Primary Sources Access (Plan D) - APAC</collection><collection>Primary Sources Access (Plan D) - Midwest</collection><collection>Primary Sources Access (Plan D) - MEA</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - Canada</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - UK / I</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - EMEALA</collection><collection>Primary Sources Access & Build (Plan A) - APAC</collection><collection>Primary Sources Access & Build (Plan A) - Canada</collection><collection>Primary Sources Access & Build (Plan A) - West</collection><collection>Primary Sources Access & Build (Plan A) - EMEALA</collection><collection>Primary Sources Access (Plan D) - Northeast</collection><collection>Primary Sources Access & Build (Plan A) - Midwest</collection><collection>Primary Sources Access & Build (Plan A) - North Central</collection><collection>Primary Sources Access & Build (Plan A) - Northeast</collection><collection>Primary Sources Access & Build (Plan A) - South Central</collection><collection>Primary Sources Access & Build (Plan A) - Southeast</collection><collection>Primary Sources Access (Plan D) - UK / I</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - APAC</collection><collection>Primary Sources Access—Foundation Edition (Plan E) - MEA</collection><collection>Applied Social Sciences Index & Abstracts (ASSIA)</collection><collection>PAIS Index</collection><collection>International Bibliography of the Social Sciences (IBSS)</collection><collection>PAIS International</collection><collection>PAIS International (Ovid)</collection><collection>International Bibliography of the Social Sciences</collection><collection>International Bibliography of the Social Sciences</collection><collection>ProQuest Health & Medical Complete (Alumni)</collection><collection>MEDLINE - Academic</collection><jtitle>The Milbank quarterly</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Liu, Korbin</au><au>Manton, Kenneth G.</au><au>Liu, Barbara Marzetta</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing</atitle><jtitle>The Milbank quarterly</jtitle><addtitle>Milbank Q</addtitle><date>1990-01-01</date><risdate>1990</risdate><volume>68</volume><issue>3</issue><spage>445</spage><epage>492</epage><pages>445-492</pages><issn>0887-378X</issn><eissn>1468-0009</eissn><coden>MIQUES</coden><abstract>A scarcity of empirical information to specify appropriate provisions and base rates for coverage has hindered the development of long-term-care (LTC) insurance. Data from three nationally representative surveys on the prevalence of morbidity and functional limitations among the elderly population suggest that health status among older Americans is highly dynamic, especially at higher disability levels. The bioactuarial data may help insurers define potential markets of purchasers of policies, and identify the numbers of persons with disabilities severe enough to trigger use of benefits. If the accuracy of individual service predictions could be increased further, reserve requirements and overall costs to LTC insurance carriers might be reduced.</abstract><cop>United States</cop><pub>Cambridge University Press</pub><pmid>2125111</pmid><doi>10.2307/3350113</doi><tpages>48</tpages></addata></record> |
| fulltext | fulltext |
| identifier | ISSN: 0887-378X |
| ispartof | The Milbank quarterly, 1990-01, Vol.68 (3), p.445-492 |
| issn | 0887-378X 1468-0009 |
| language | eng |
| recordid | cdi_proquest_miscellaneous_839234451 |
| source | Applied Social Sciences Index & Abstracts (ASSIA); Jstor Complete Legacy; MEDLINE; PAIS Index; Periodicals Index Online |
| subjects | Aged Care of the aged Chronic Disease - epidemiology Chronic diseases Disabilities Disability Evaluation Disability insurance Disabled persons Female Health care Health insurance Health Services for the Aged - economics Humans Insurance Insurance premiums Insurance, Long-Term Care - organization & administration Life Expectancy Long term health care Long-Term Care - economics Long-Term Care - utilization Male Medical conditions Mortality Nursing homes Older adults Older people Prevalence Social research United States - epidemiology |
| title | Morbidity, Disability, and Long-Term Care of the Elderly: Implications for Insurance Financing |
| url | https://sfx.bib-bvb.de/sfx_tum?ctx_ver=Z39.88-2004&ctx_enc=info:ofi/enc:UTF-8&ctx_tim=2025-02-08T17%3A05%3A55IST&url_ver=Z39.88-2004&url_ctx_fmt=infofi/fmt:kev:mtx:ctx&rfr_id=info:sid/primo.exlibrisgroup.com:primo3-Article-jstor_proqu&rft_val_fmt=info:ofi/fmt:kev:mtx:journal&rft.genre=article&rft.atitle=Morbidity,%20Disability,%20and%20Long-Term%20Care%20of%20the%20Elderly:%20Implications%20for%20Insurance%20Financing&rft.jtitle=The%20Milbank%20quarterly&rft.au=Liu,%20Korbin&rft.date=1990-01-01&rft.volume=68&rft.issue=3&rft.spage=445&rft.epage=492&rft.pages=445-492&rft.issn=0887-378X&rft.eissn=1468-0009&rft.coden=MIQUES&rft_id=info:doi/10.2307/3350113&rft_dat=%3Cjstor_proqu%3E3350113%3C/jstor_proqu%3E%3Curl%3E%3C/url%3E&disable_directlink=true&sfx.directlink=off&sfx.report_link=0&rft_id=info:oai/&rft_pqid=1291847023&rft_id=info:pmid/2125111&rft_jstor_id=3350113&rfr_iscdi=true |