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    题名: The Relationship between Private Long-term Care Insurance Premiums, Population Structure and Public Policies
    作者: Tien, Joseph J.;Tian, Wei-Hua
    日期: 2019-07-10
    上传时间: 2020-02-14 12:10:12 (UTC+8)
    摘要: The ageing population and demand for long-term care are challenges faced by the United States.
    Due to the high cost of LTC, there is a public private partnership program encourages individual to
    purchase long-term care insurance. However, the growth of private LTC insurance sales may be varied
    by state. Previous studies have examined that demand for private LTC insurance at the micro-level,
    relatively few papers have attempted to investigate this issue from the macro-level. By using the panel
    data from 2006 to 2016 in the United States, this study examines the relationship between the private
    LTC insurance premiums and population structure by states. We also investigate the eect of LTC
    partnership program in the analysis. The empirical results indicate that the percentage of population
    that is age 65 and older, partnership program and private LTC insurance premiums are positively
    related. Furthermore, the empirical result indicates that the percentage of a state population that is
    age 65 and older still hold when we use the sample with its ageing rate is between 7 percent-14 percent
    (aging society). Our ndings prove that population structure is important in determining the private
    LTC insurance premiums.
    關聯: International Congress on Insurance: Mathematics and Economics (IME)
    显示于类别:[風險管理與保險學系] 會議論文

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