Impact of the Introduction of the Social Long-Term Care Insurance in Germany on Financial Security Assessment in Case of Long-Term Care Need

Zuchandke, Andy; Reddemann, Sebastian; Krummaker, Stefan; Schulenburg, J.-Matthias Graf von der

doi:10.1057/gpp.2010.26

Cited by 22 publications

(17 citation statements)

References 15 publications

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“…Our findings are in line with Zuchandke et al [19], who obtained similar results regarding longterm care. The variable "high experience," however, defined as more than five outpatient visits in the past 3 months, is not signif- icant in our regression.…”

Section: Discussionsupporting

confidence: 93%

“…Nevertheless, the perception of the financial security represents one part of the satisfaction with the health care system; therefore, a positive correlation can be assumed between these two variables. In terms of long-term care, Zuchandke et al [19] also identified a positive relationship between income and the perception of financial security.…”

Section: Discussionmentioning

confidence: 99%

“…Hence, it is interesting to analyze whether personal experience with the health care system, for example, frequent doctor appointments or recent hospital stays, has an effect on the subjective perception of financial security. Zuchandke et al [19] found that in the event of long-term care, experience (experience is a proxy for the case when a member in the respondent's household is dependent on long-term care) has a positive effect on this perception. Social long-term care insurance, however, provides only partial coverage of treatment costs in Germany.…”

Section: Hypothesis 4: Having Experience With Health Care Is Positivementioning

confidence: 99%

“…Whereas satisfaction includes several aspects (expectation, experience, relationship between contributions, and reimbursement), the perception of financial security is only one feature of satisfaction. Zuchandke et al [19] gained meaningful insight while focusing on the impact of the introduction of social longterm care insurance in Germany on the perception of financial security in the event of the need for long-term care. Concerning the German health care system, Zok [20] states that perceived insurance coverage is worsening.…”

Section: Introductionmentioning

confidence: 99%

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How Do Insured Perceive Their Financial Security in the Event of Illness?—A Panel Data Analysis for Germany

2012

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The results indicate that political decision makers are facing challenges regarding the declining subjective perception in the German health care system. Because of the positive correlation between experience and subjective perception, it can be assumed that the health care system and especially statutory health insurance are better than their presentation in the media. Hence, there is a problem of communication and information, and political decision makers face challenges in presenting the system objectively and handling the media in a proper way.

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Section: Discussionsupporting

confidence: 93%

Section: Discussionmentioning

confidence: 99%

Section: Hypothesis 4: Having Experience With Health Care Is Positivementioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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How Do Insured Perceive Their Financial Security in the Event of Illness?—A Panel Data Analysis for Germany

2012

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“…We have also included the interaction between being a caregiver and wave 5 (2013). Based on the assumption that informal caregivers are more interested in anything related to LTC, this interaction could gather the effect on the perception of security when needing LTC (Zuchandke et al, 2010). Informal caregivers have been seriously affected by the budgetary cuts applied since July 2012 20 : (i) Caregiver's benefits have been reduced between 15% and 25% and (i) Social Security stopped paying social contributions for future retirement benefits.…”

Section: Family Characteristicsmentioning

confidence: 99%

Interactions between Private Health and Long‐term Care Insurance and the Effects of the Crisis: Evidence for Spain

2016

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This paper analyzes the reasons for the scarce development of the private long-term care insurance market in Spain, and its relationship with health insurance. We are also interested in the effects the crisis has had both on the evolution of the demand for long-term care insurance and on the existence of regional disparities. We estimate bivariate probit models with endogenous variables using Spanish data from the Survey on Health and Retirement in Europe. Our results confirm that individuals wishing to purchase long-term care insurance are, in a sense, forced to subscribe a health insurance policy. In spite of this restriction in the supply of long-term care insurance contracts, we find its demand has grown in recent years, which we attribute to the budget cuts affecting the implementation of Spain's System of Autonomy and Attention to Dependent People. Regional differences in its implementation, as well as the varying effects the crisis has had across Spanish regions, lead to the existence of a crowding-in effect in the demand for long-term care insurance in those regions where co-payment is based on income and wealth, those that have a lower percentage of public long-term care beneficiaries, or those with a smaller share of cash benefits over total public benefits. Copyright © 2016 John Wiley & Sons, Ltd.

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Going Formal or Informal, Who Cares? The Influence of Public Long‐Term Care Insurance

et al. 2014

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International differences in long-term care (LTC) use are well documented, but not well understood. Using comparable data from two countries with universal public LTC insurance, the Netherlands and Germany, we examine how institutional differences relate to differences in the choice for informal and formal LTC. Although the overall LTC utilization rate is similar in both countries, use of formal care is more prevalent in the Netherlands and informal care use in Germany. Decomposition of the between-country differences in formal and informal LTC use reveals that these differences are not chiefly the result of differences in population characteristics but mainly derive from differences in the effects of these characteristics that are associated with between-country institutional differences. These findings demonstrate that system features such as eligibility rules and coverage generosity and, indirectly, social preferences can influence the choice between formal and informal care. Less comprehensive coverage also has equity implications: for the poor, access to formal LTC is more difficult in Germany than in the Netherlands.

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Impact of the Introduction of the Social Long-Term Care Insurance in Germany on Financial Security Assessment in Case of Long-Term Care Need

Cited by 22 publications

References 15 publications

How Do Insured Perceive Their Financial Security in the Event of Illness?—A Panel Data Analysis for Germany

How Do Insured Perceive Their Financial Security in the Event of Illness?—A Panel Data Analysis for Germany

Interactions between Private Health and Long‐term Care Insurance and the Effects of the Crisis: Evidence for Spain

Going Formal or Informal, Who Cares? The Influence of Public Long‐Term Care Insurance

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