Distributed agency in financial tasks of older people with long-term care needs

Abstract

The ability and knowledge to manage financial tasks may be compromised in old age, especially when the need to navigate the care and social benefit systems increases. Managing financial tasks may consist of a variety of actions of both the older people themselves and their representatives, often family members. This study explored how financial tasks related to the care and everyday life of older people who need long-term care are managed by using the ideas of modalities of agency and distributed agency. We analysed interviews of 19 older persons and their family members with a qualitative case analysis. All the older persons who participated in the study distributed the agency in financial tasks among their family members, but to different levels and for different reasons. We identified three types of distributed agency – inevitable, assimilated and minimal distributed agency – in which the older persons’ knowledge about financial tasks and their ability to manage financial tasks differed. Within these types, the cases differed in terms of the know-how of the family members and the reasons why the older people’s knowledge about financial tasks or their ability to manage their financial tasks were diminished. We conclude that older persons with long-term care needs require help in regard to financial tasks, and the older people’s and their family members’ ability to manage financial tasks could be enhanced by making the benefit systems and online banking more user-friendly and by improving the help from care staff.