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|Other Titles: ||A study of the long-term care policy affecting the individuals in Taiwan|
|Authors: ||翁良綺;Wong, Liang-Chi|
|Keywords: ||長期照護;多層次財務架構;長期照護保險;Long-term care;Multi-tier Financial Framework;Long-Term Care Insurance|
|Issue Date: ||2016-01-22 14:55:53 (UTC+8)|
以會計系畢業生及藍領司機薪資為案例分析，本研究就出社會第一份工作至退休後的每一段生命歷程，以長照財務多層次架構並搭配長照淨支出費用表，模擬估算出個人可行的收支方案。就分析個案可知，整體而言，依照目前的長照體系規畫與未來走向，國人若能再輔以審慎的個人規畫，則足以在每個失能階段都能有完備的收入以因應長照費用。針對官方政策與個人規畫，本研究的建議有三:(一)官方長照保險給付宜避免過度彈性現金給付，減少道德風險。(二) 個人投保商業長看險應提撥「免責期間」的負擔準備。(三) 及早多元活化資產，以補充個人或家庭整體長照支出財源。
Taiwan is facing issues of low fertility and an aging population, such that the population pyramid has begun to invert,and law regarding long-term care grown increasingly important. Since 2007, Taiwan government has been promoting the 10 Year Long-Term Care Plan policy and pushing legislation of Long-Term Care and Long-Term Care Insurance laws. Taiwan government hopes that long-term care insurance, a kind of social mutual aid, can provide a stable financial resource for long-term care, and a comprehensive care system established. This research focuses primarily on long-term care insurance and secondarily on a multi-tier financial framework of long-term care, commercial insurance, and personal savings. The aim is to analyze the financial structure and estimate personal expenses of long-term care based on literature and the actual expenses of various programs. From this, personal expenditure forms that allow for long-term care planning can be produced according to level of disability and actual monthly expenses.
Using college graduates majoring in accounting and taxi drivers as case study subjects, this research estimates one’s personal spending habits spanning their first job all the way to retirement, and employs the multi-tier financial framework of long term-care as a mock-up for disposable income and expenditures. By analyzing the cases, and given the current long-term care system, it was found that people who practice prudence in their planning they can gain sufficient income for long-term expenses in each stage of disability. Three suggestions for government policy and personal planning arise from this research: 1. For ethical purposes, the government should not be overly flexible in cash payouts for long-term insurance; 2. Individuals buying commercial long-term care insurance should set a standard "elimination period". 3. Assets should be diversified early in order to supplement personal or family''s long-term care financial resources.
|Appears in Collections:||[會計學系暨研究所] 學位論文|
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