The impact of long-term care insurance on family care for older adults: The mediating role of intergenerational financial support

Rapid population aging has been placing heavy tolls on Chinese family caregivers. Previous empirical evidence from multiple countries have shown that establishing national long-term care insurance was effective in reducing family care burdens. Utilizing data from the China Health and Retirement Long...

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Published in:PloS one 2024-05, Vol.19 (5), p.e0299974
Main Authors: Wang, Lianjie, Liu, Jing
Format: Article
Language:English
Subjects:
Adult Children - psychology
Adults
Aged
Aged, 80 and over
Aging
Caregivers
Caregivers - economics
Caregivers - psychology
Children
China
Chronic illnesses
Earth Sciences
Elder care
Family
Female
Health insurance
Humans
Insurance
Insurance coverage
Insurance, Long-Term Care - economics
Intergenerational Relations
Long term health care
Long-term care
Long-Term Care - economics
Long-term care insurance
Longitudinal Studies
Male
Medicine and Health Sciences
Middle Aged
Older people
People and Places
People with disabilities
Pilot Projects
Reimbursement
Research and Analysis Methods
Retirement
Retirement - economics
Social Sciences
Well being
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description Rapid population aging has been placing heavy tolls on Chinese family caregivers. Previous empirical evidence from multiple countries have shown that establishing national long-term care insurance was effective in reducing family care burdens. Utilizing data from the China Health and Retirement Longitudinal Study (CHARLS) wave 2011 to 2018, this study examined the effects of implementing the pilot long-term care insurance program on family care received by the Chinese older adults, by using a time-varying Difference-in-Differences (DID) method. The results showed that: (1) the implementation of the pilot long-term care insurance program has led to a 17.2% decline in general for family care received by the Chinese older adults. (2) The effect of participating in the pilot program on family care received differed by respondent's household registration, health status, marital status, and possesion of retirement pension, and were specifically pronounced among those who were urban residents, having spouse, living with disabilities, and living with no retirement pension. (3) Further results from the mechanism analyses showed that the pilot long-term care insurance program decreased the level of family care by reducing the dual intergenerational financial support between older adults and their adult children. (4) Although participating in the pilot program decreased older adult's dependence on their adult children, their physical and mental health status were not negatively affected. This study contributes to the existing literature by evaluating the effects of implementing the pilot long-term care insurance program on family care received by the Chinese older adults, and lends supports to the previous studies that participating in long-term care insurance significantly reduces old adults' demand for family care, but not in sacrifice of their physical and mental well-being.
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subjects Adult Children - psychology
Adults
Aged
Aged, 80 and over
Aging
Caregivers
Caregivers - economics
Caregivers - psychology
Children
China
Chronic illnesses
Earth Sciences
Elder care
Family
Female
Health insurance
Humans
Insurance
Insurance coverage
Insurance, Long-Term Care - economics
Intergenerational Relations
Long term health care
Long-term care
Long-Term Care - economics
Long-term care insurance
Longitudinal Studies
Male
Medicine and Health Sciences
Middle Aged
Older people
People and Places
People with disabilities
Pilot Projects
Reimbursement
Research and Analysis Methods
Retirement
Retirement - economics
Social Sciences
Well being
title The impact of long-term care insurance on family care for older adults: The mediating role of intergenerational financial support
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