We develop a pair of risk measures, health and mortality delta, for the universe of life and health insurance products …. A life-cycle model of insurance choice simplifies to replicating the optimal health and mortality delta through a … portfolio of insurance products. We estimate the model to explain the observed variation in health and mortality delta implied …

socioeconomic situation of the elderly in Denmark, focusing on the health status and financial situation of the elderly, and the … provision of long-term care (LTC). We rely on a combination of survey data, mainly from the Survey of Health and Retirement in … elderly is in good health, but that those in the older age group, 85+, face considerably more functional limitations in daily …

were impaired in the performance of at least one basic activity. It describes their wealth, living arrangements, and health … characteristics. Tobit regressions are presented that relate utilization of hospital services, paid home-health care, and unreimbursed … home-health care utilization in this population are distinct from the factors that have been significant predictors of …

and types of benefits), the professional care work force, and informal caregivers. Finally, we document expenditures on … cost of nursing home and home health agency, reached 61 billion euro in 2019. Half of these spending are for nursing homes …. Out-of-pocket expenditures make up only about 7% of total expenditures for home care. In nursing homes, 41% of …

Long-term care expenditures constitute one of the largest uninsured financial risks facing the elderly in the United …