Rationale, Design and Sustainability of Long-Term Care Insurance in Japan – In Retrospect

2007 ◽  
Vol 6 (3) ◽  
pp. 423-434 ◽  
Author(s):  
Naoki Ikegami
Keyword(s):  
Daily Living ◽  
Long Term Care ◽  
Community Care ◽  
Institutional Care ◽  
Eligibility Criteria ◽  
Term Care ◽  
New Public ◽  
Long Term Care Insurance ◽  
Do So

When Japan introduced a new public long-term care insurance in 2000, the eligibility criteria and benefits were designed so that those who had been receiving services would be able to continue to do so. Five years later, benefits were reduced by a partial levying of hotel costs in institutional care, and restricting the provision of instrumental activities of daily living support services in community care for those requiring only light care. Whether these revisions are effective in containing costs and whether a decision should be made to cover all ages and all disabilities are the issues for the future.

scholarly journals Review on Pricing Models for Long-term Care Insurance

2021 ◽  
Vol 5 (1) ◽  
Author(s):  
Muhammad Syakir Asrulsani ◽  
Mazlynda Md Yusuf
Keyword(s):  
Activities Of Daily Living ◽  
Daily Living ◽  
Long Term Care ◽  
Financial Burden ◽  
Term Care ◽  
Protection Mechanism ◽  
Long Term Care Insurance ◽  
Risk Protection ◽  
Care Costs

Funding for long-term care costs among elderly people is a critical matter, especially due to high costs and an unexpected length of time. Placement for long-term care that is funded under Jabatan Kebajikan Masyarakat (JKM) is very limited, hence, the next option is through private nursing homes. However, the cost could be up to RM 2,000 a month for each person. Therefore, Long- Term Care Insurance is an alternative to fund for Long-Term Care costs as it is expected to reduce financial burden during old age. It is a risk protection mechanism for an insured that needs health and financial protection when an individual is unable to do activities of daily living (ADL) or supports in instrumental activities of daily living (IADL). This paper reviews three models that have been used in pricing long-term care insurance. All three models use the equivalent principle of premium to price the insurance policy. However, the probability and assumptions used for each model differ, depending on the insured's needs and profile.

scholarly journals Examining Consequences Related to Unmet Care Needs Across the Long-Term Care Continuum

2020 ◽  
Vol 4 (Supplement_1) ◽  
pp. 90-90
Author(s):  
Meghan Jenkins Morales ◽  
Stephanie Robert
Keyword(s):  
Older Adults ◽  
Activities Of Daily Living ◽  
Residential Care ◽  
Informal Care ◽  
Daily Living ◽  
Long Term Care ◽  
Community Care ◽  
Term Care ◽  
Care Arrangement

Abstract At some point in our lives, approximately 70% of us will need support to help with daily care. Without adequate assistance we may experience unmet care need consequences (UCNC) – such as skipping meals, going without clean clothes, or taking the wrong medication. This study examines the likelihood of experiencing UCNC related to gaps in assistance with activities of daily living (ADL) and instrumental activities of daily living (IADL) across long-term care arrangements: informal community care, paid community care, residential care, and nursing homes. We examine a sample of older adults receiving assistance in a care arrangement (N=2,499) from the nationally representative 2015 National Health and Aging Trends Study. Cross-sectional and longitudinal regression models, adjusting for differences in demographic and health/functioning characteristics, examine if type of care arrangement in 2015 is associated with UCNC in 2015 and change in UCNC by 2017. Holding all else constant, there were no significant differences in UCNC related to ADLs in 2015 across care arrangements. However, those receiving paid community care were more likely to experience UCNC related to IADLs (going without clean clothes, groceries, or a hot meal and making medication errors) compared to those receiving only informal care (OR=1.64, p<.05) or residential care (OR=2.19, p<.01). By 2017, paid care was also significantly associated with continued UCNC, but older adults in informal care arrangements were most likely to experience a new UCNC. Results suggest improving/expanding assistance with IADLs among community-dwelling older adults, and promoting equitable access to residential care, to reduce UCNC.

Pflegerecht

2019 ◽  
Author(s):  
Constanze Janda
Keyword(s):  
Long Term Care ◽  
Service Providers ◽  
Legal Aspects ◽  
Point Of View ◽  
Eligibility Criteria ◽  
Term Care ◽  
The Social ◽  
Long Term Care Insurance ◽  
The Cost

The textbook is dealing with the fundamental legal aspects of the long-term care insurance and the fields of law related to that. The latest legislative developments and reforms, such as the two “Pflegestärkungsgesetze” are presented, thus the book is higly up-to-date. After defining and discussing the concept of “need of care”, the authors present the eligibility criteria and benefits in the long-term care insurance from the claimants’ point of view. Additionally, the legal relations between service providers and the cost-bearers as well as matters of quality assurance are reflected. The focus is set on the social care insurance (SGB XI), but benefits of the health care insurance (SGB V) and the social assistance scheme (SGB XII) related to care are dealt with, too. Schedules, case studies and sample examinations questions make the book a very helpful guide through the law of care for students of law, social work and care. Besides, pracitioners can get a concise overwiev on the recent development in care.

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