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29,20,24,41]. To meet the elderly’s increasing demand for LTC without raising the government’s financial burden in covering the costly nursing home care services, the Medicaid Aging Waiver program (MAW) was implemented in the mid-1980s, and has been expanded its...
In the other case of low health cost risk early in retirement, individuals should take advantage of the mortality credit that annuities provide and save out of the annuity income to build a buffer for health cost shocks at later ages. When comparing to empirically observed levels of annuit...
摘要: I study the demand for health insurance and annuities.Health expense shocks are correlated with survival probabilities.This correlation reduces the demand for health insurance and annuities.Its impact on health insurance is quantitatively large.Its impact on annuities is relatively small. 展开 ...
Researchers seeking to explain why retirees rarely purchase annuities have focused on imperfections in commercial annuities - including actuarially unfair pricing, lack of bequest protection, and illiquidity in the case of risky events like medical shocks. I study the annuity choice implicit in the ...
I study the demand for health insurance and annuities.Health expense shocks are correlated with survival probabilities.This correlation reduces the demand for health insurance and annuities.Its impact on health insurance is quantitatively large.Its impact on annuities is relatively small....