The Attitude and Influential Factors of Implementing Long-term Care Insurance of Proprietors of Long-term Care Facilities.

• Main Authors: Hsiu-feng Wu, 吳秀鳳
• Other Authors: Seny-yong Kao
• Format: Others
• Language: zh-TW
• Published: 2001
• Online Access: http://ndltd.ncl.edu.tw/handle/66474680561008168434

碩士 === 國防醫學院 === 公共衛生學研究所 === 89 === There are about 1,865,000 aged people in Taiwan in 2000, accounting for 8.4﹪of the total population. This group of people requires the greatest amount of medical care and attention in daily life. Along with the declining functionality of the family and the reduction of the number of people looking after the elderly, we must face the pressure placed by the aged population on society. So far, there is no complete system of long-term care for the aged in Taiwan. However, the promotion of policies for long-term care has thus far dealt predominantly with financial planning. Is financial planning for long-term care the responsibility of the government or the responsibility of individuals? This research is chiefly aimed at exploring attitudes of proprietors of various institutions of long-term care toward operating insurance for long-term care (including views on operating insurance for long-term care, opinions regarding payment and the content of planning, as well as wishes and needs, etc.) and at getting acquainted with the features of these proprietors as well as the characteristics of various institutions of long-term care. Structural questionnaires were sent out to investigate 548 proprietors of institutions of long-term care in seven counties and municipalities in northern Taiwan. Of these, 418 (84.8％) questionnaires were returned, with 402 (81.7％) of these being effective. , The main findings of the research are as follows: 1.Proprietors of institutions of long-term care are mostly females, with an average age of 44, having on average a senior high school education. The chief motivation of their work is to meet social needs. Their experience in long-term care is about seven years on an average with about five- years of experience in running such institutions. 2.Institutions of long-term care are featured by daily-care institutions, institutions without juridical people, and private small institutions already registered in the city of Taipei(those unregistered are all daily-care institutions). Each institution has 11 to 29 beds with a balanced revenue and expenditure without government subsidy. There are typically enough employees. On average, each institution has about 43 beds. At present, approximately 29 beds are in use on average, giving a bed-utilization rate of 78％. Operating insurance for long-term care to help the aged and their families to pay for long-term care is the biggest hope of proprietors in regard to obtaining assistance in operation from the government. 3.Over 50% of proprietors have never heard about insurance for long-term care. Factors with following features are: proprietors in fairly advanced age, daily-care institutions, private institutions and subsidy of sanitary and medical institutions to be obtained. 4.85% of proprietors have voiced support, for long-term care insurance. Among them, proprietors with institutions in the city of Taipei with balanced revenue and expenditure and more beds and not receiving government subsidy have more favorable views toward and show greater support for the necessity of operating insurance for long-term care. 5.Most proprietors prefer payment in cash and the provision of materials when insurance for long-term care is implemented. Proprietors prefer that cash be paid to chief care takers while items of service should be mostly based on medical care. If disabled old people are looked after by their family members, most of the proprietors are willing to subsidize these care-takers. 6.According to proprietors, all people in Taiwan can enjoy insurance for long-term care. Insurance should be implemented through compulsory insurance participation attached to a health insurance system for all people. Collection of insurance fees should follow the pattern of the present health insurance system. People insured should pay a reasonable insurance-fee rate of 7.86％ and bear 15.52％ of the total medical fees. 7.75% of proprietors expressed willingness to take part in the special agreement of insurance for long-term care. The location of the institution and whether or not the institution is under a juridical person are important factors. 8.Nearly 70% of proprietors expressed a need for such insurance. The number of existing beds and the location of the institution are important factors. 9.According to proprietors, the most urgent factor affecting their willingness to consider such insurance is fund-raising. Main features include the city of Taipei, daily-care institutions, private institutions, dissatisfaction with the bed-utilization rate, failure to receive subsidy, and fierce competition in the market.