노후준비행동의 부부간 상호의존성 연구: 미국 민간장기요양보험에 대한 수요를 중심으로
Decisions of Older Couples to Insure against Long-term Care Risk
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초록
민간장기요양보험에 대한 수요는 경제적 자원, 보험료, 위험 회피정도, 장기요양을 필요로 할 확률과 같은 보험관련 변수들과 비공식적 보호를 제공하는 가족사회적 지지망, 유산 상속 등을 이유로 자산을 보호하려는 동기, 메디케이드 급여를 받을 수 있을 지에 대한 기대와 같은 비공식적 보호, 메디케이드 관련 변수들에 의해 결정될 수 있다. 개인이 (1) 가족에 의한 비공식적인 보호로 충족되지 않은 장기요양보험에 대한 요구가 존재하고 (2) 메디케이드 급여의 기대효용보다 민간장기요양보험의 기대효용이 더 클 때 민간장기요양보험에 가입할 것이다.위에서 요약한 장기요양보험에 대한 수요를 다음과 같이 나타낼 수 있다. 수식 (1)은 비공식적인 장기요양보호 제공자원, 메디케이드의 기대효용과 관련된 개인과 가구특징과 민간장기요양보험과의 관계를 선형화하여 단축형(reduced form)으로 나타낸 것이다.
Abstract
This study analyzes decisions of older couples to insure against long-term care risk in the U. S. Using the 2000 Health and Retirement Study, we first examine correlations between the wives' and husbands' decisions to purchase private long-term care insurance. We then test the spousal influence on the insurance decision using spousal differences in age and education. Bivariate probit estimates suggest common random forces encourage both wives and husbands to purchase private long-term care insurance. Our results also partly support the spousal influence on the decision for private long-term care insurance. Policy implications for the findings are discussed.
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