This paper examines factors that influence whether or not employees choose to enroll in a group long-term care insurance plan. A conceptual family decision-making framework is used to group factors to study the enrollment decision of 509 state employees who were offered a long-term care insurance plan in 2000. Logistic regression results revealed that employee age, perceived risk, perceived affordability, decision-making style (communication with others and use of information), goals of control and choice, goal of financial peace of mind, household income, and potential caregiver availability explained 68.7% of the decision to enroll. Results support the key role of perception, specifically the perceived risk of needing long-term care and the affordability of the insurance plan, in the decision outcome. Copyright Springer Science+Business Media, LLC 2007Family decision making, Long-term care insurance,
Levels and predictors of out-of-pocket home care expenditures for the disabled elderly are examined using a sample of users of home care with out-of-pocket expenditures from the 1984 National Long Term Care Survey (N = 856). Multiple regression results indicate need, specifically functional ability, adds the most explanation to out-ofpocket home care expenditures. Education, marital status, asset availability, prior nursing home use, and population density, while significant, add relatively little explanation to the total variance. Implications for prevention education and long-term care policy are discussed.
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