• 제목/요약/키워드: Status of National health insurance

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빈곤층 여성 노인의 우울에 미치는 영향요인 (Factors Affecting the Depression of the Elderly Women in Poverty)

  • 박언아;이인숙
    • 농촌의학ㆍ지역보건
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    • 제34권2호
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    • pp.256-266
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    • 2009
  • 본 연구는 65세 이상 빈곤층 여성 노인의 우울에 영향을 미치는 요인을 파악하기 위하여 방문건강 관리사업 대상자 중 노인 교육프로그램 대상에게 수집된 기초자료를 분석한 서술적 조사연구이다. 연구대상자는 방문건강관리사업 대상자로, 2008년 4월 1일부터 5월 30일까지 기초생활수급권자, 차상위계층, 건강보험료부과하위 20%에 속하는 빈곤층 여성 노인 1,410명을 임의표출하여 조사하였다. 방문간호사가 대상자에게 자료 수집 및 방문건강관리서비스 제공에 대하여 설명하고, 대상자가 동의한 이후에 구조화된 설문지를 이용하여 직접 면담을 통해 시행하였고 이 중 1,208명만이 최종분석에 포함되었다. 수집된 자료는 SPSS프로그램을 이용하여 서술적통계분석, Pearson correlation coefficients, $x^2$-test, 다변량 로지스틱 회귀분석을 통해 분석하였고, 연구결과를 요약하면 다음과 같다. 첫째, 연구대상자의 연령은 75~84세가 54.4%로 가장 많았고, 배우자가 없는 경우가 87.8%로 무 배우자 비율이 높고, 간접적 경제수준인 의료보장 유형에서 의료급여가 74.9%를 차지하였다. 교육수준은 무학이거나 초등학교 졸업이 92.4%로 조사되었다. 둘째, 주관적 건강상태가 ‘나쁨’이 72.7%, 보유 만성질환 수는 평균 2.81개, 인지기능이 13.51점 으로 나타났다. 셋째, 일반적 특성과 건강행태, 건강수준 변수들이 우울에 미치는 영향요인을 분석한 결과, 무배우자일수록(p<.05), 인지기능이 낮을수록(p<.01), 주관적 건강감이 낮을수록(p<.001) 우울한 것으로 나타났다. 연령, 교육수준, 건강행태, 일상생활수행능력, 도구적 일상생활수행능력, 보유 만성질환 수에서는 우울정도에 유의미한 차이를 보이지 않았다. 본 연구결과를 토대로 다음과 같이 제언하고자한다. 첫째, 사회적 지지 및 가족지지를 포함한 심리 사회적 요인이나, 영양, 질병특성을 고려하여 우울에 영향을 미치는 요인을 규명하는 심층연구가 필요하다. 둘째, 빈곤층 여성 노인을 대상으로 우울 감소를 위한 중재프로그램을 제공할 때 우선적으로 차별화된 맞춤식 중재가 요구되며 노인의 기초적인 생활보장문제와 인지기능과 주관적 건강상태를 고려한 지역사회 기반의 통합 프로그램의 개발 및 운영이 요구된다.

대기오염에 의한 폐암 및 만성폐색성호흡기질환 -개인 흡연력을 보정한 만성건강영향평가- (Lung cancer, chronic obstructive pulmonary disease and air pollution)

  • 성주헌;조수헌;강대희;유근영
    • Journal of Preventive Medicine and Public Health
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    • 제30권3호
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    • pp.585-598
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    • 1997
  • Background : Although there are growing concerns about the adverse health effect of air pollution, not much evidence on health effect of current air pollution level had been accumulated yet in Korea. This study was designed to evaluate the chronic health effect of ai. pollution using Korean Medical Insurance Corporation (KMIC) data and air quality data. Medical insurance data in Korea have some drawback in accuracy, but they do have some strength especially in their national coverage, in having unified ID system and individual information which enables various data linkage and chronic health effect study. Method : This study utilized the data of Korean Environmental Surveillance System Study (Surveillance Study), which consist of asthma, acute bronchitis, chronic obstructive pulmonary diseases (COPD), cardiovascular diseases (congestive heart failure and ischemic heart disease), all cancers, accidents and congenital anomaly, i. e., mainly potential environmental diseases. We reconstructed a nested case-control study wit5h Surveillance Study data and air pollution data in Korea. Among 1,037,210 insured who completed? questionnaire and physical examination in 1992, disease free (for chronic respiratory disease and cancer) persons, between the age of 35-64 with smoking status information were selected to reconstruct cohort of 564,991 persons. The cohort was followed-up to 1995 (1992-5) and the subjects who had the diseases in Surveillance Study were selected. Finally, the patients, with address information and available air pollution data, left to be 'final subjects' Cases were defined to all lung cancer cases (424) and COPD admission cases (89), while control groups are determined to all other patients than two case groups among 'final subjects'. That is, cases are putative chronic environmental diseases, while controls are mainly acute environmental diseases. for exposure, Air quality data in 73 monitoring sites between 1991 - 1993 were analyzed to surrogate air pollution exposure level of located areas (58 areas). Five major air pollutants data, TSP, $O_3,\;SO_2$, CO, NOx was available and the area means were applied to the residents of the local area. 3-year arithmetic mean value, the counts of days violating both long-term and shot-term standards during the period were used as indices of exposure. Multiple logistic regression model was applied. All analyses were performed adjusting for current and past smoking history, age, gender. Results : Plain arithmetic means of pollutants level did not succeed in revealing any relation to the risk of lung cancer or COPD, while the cumulative counts of non-at-tainment days did. All pollutants indices failed to show significant positive findings with COPD excess. Lung cancer risks were significantly and consistently associated with the increase of $O_3$ and CO exceedance counts (to corrected error level -0.017) and less strongly and consistently with $SO_2$ and TSP. $SO_2$ and TSP showed weaker and less consistent relationship. $O_3$ and CO were estimated to increase the risks of lung cancer by 2.04 and 1.46 respectively, the maximal probable risks, derived from comparing more polluted area (95%) with cleaner area (5%). Conclusions : Although not decisive due to potential misclassication of exposure, these results wert drawn by relatively conservative interpretation, and could be used as an evidence of chronic health effect especially for lung cancer. $O_3$ might be a candidate for promoter of lung cancer, while CO should be considered as surrogated measure of motor vehicle emissions. The control selection in this study could have been less appropriate for COPD, and further evaluation with another setting might be necessary.

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일부 만성 정신질환자의 구강건강 상태 (Oral Health Status of Some Patients with Chronic Mental Illness in Korea)

  • 서혜연;전현선;박수경;박기창;정원균;문소정
    • 치위생과학회지
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    • 제13권4호
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    • pp.493-500
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    • 2013
  • 본 연구는 최근에 크게 증가하고 있는 정신질환자의 구강건강 문제에 주목하여 그 실태를 파악하고자 시행하였다. 강원도 소재의 정신보건센터 한 곳의 주간 프로그램 참여대상자(23명)와 정신병원 한 곳의 입원 대상자(69명) 전체 92명을 편의집락추출하여 구강건강상태와 치주건강상태, 구강위생상태를 사정하였으며 수집된 자료를 비교 분석한 결과 다음과 같은 결론을 얻었다. 1. 상실치아(MT)는 병원 대상자(6.42)가 센터 대상자(1.83)보다 더 높았으나, 충전치아(FT)는 센터 대상자(4.78)가 병원 대상자(2.52)보다 높았다(p<0.05). DMFT index는 정신질환자(12.80)가 전국표본(6.22)에 비해 더 높았고, 연령이 높을수록, 학력이 낮을수록, 의료급여 대상자의 구강건강 상태가 더 나빴다(p<0.05). 2. 구강위생상태는 PHP index 3.41로 자가구강건강관리가 잘 이루어지지 않는 편이였다(p<0.05). 3. 치주건강 상태는 병원 대상자(81.7%)가 센터 대상자(47.6%)에 비해 치주요양필요자율이 더 높았으며, 특히 40대와 60대, 학력이 낮을수록, 가족이 없을수록 더 나빴다(p<0.05). 치주요양불필요자율(CPITN0)은 병원 대상자(18.3%)가 전국표본(27.4%)에 비해 낮았으며, 치주조기병치료필요자율(CPITN3)은 병원 대상자(13.3%)가 전국표본(5.7%)보다 더 높았다. 4. 정신질환자의 구강건강상태를 개선하기 위하여 치과위생사는 정신질환자의 구강건강 상태 증진을 위한 노력을 해야 하며, 이에 앞서 해당 집단 안에서 연령과 학력, 결혼유무, 가족 형태, 경제적인 상태 등을 선행조사할 필요가 있다. 또한 정신질환 종류와 심도별 인지능력을 고려하여 교육매체와 교육 프로그램을 구분하여 고안해야 한다. 한편 치과계에서는 정신질환자의 구강건강상태를 개선하기 위한 정책적인 방안을 마련하는 데에 점진적인 노력을 기울여야 하며, 주기적인 구강건강관리실태를 파악할 필요가 있다. 5. 본 연구는 접근이 어려운 정신질환자를 대상자로 선정하여 전반적인 구강건강상태를 측정하였다는 점에 그 의의가 있으나, 표본을 단일모집단으로 선정하였다는 점에 한계가 있다.

The Genetic Variations of RETNLB Gene are Associated with Serum Levels of Alkaline Phosphatase in the Korean Population

  • Ahn, Hyo-Jun;Eom, Yong-Bin
    • 대한의생명과학회지
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    • 제19권4호
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    • pp.338-343
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    • 2013
  • Serum levels of alkaline phosphatase (ALP) are widely used in the clinical diagnosis of hepatic diseases and the assessment of liver status. They also have epidemiological significance to be prospective risk factors for bone diseases, such as osteitis deformans, rickets, osteomalacia, hyperparathyroidism, healing fractures, and osteoblastic bone tumors. In the previous study, single nucleotide polymorphisms (SNPs) in several genes have been reported to be associated with serum levels of liver enzyme in American population. We aimed to confirm whether the genetic variation of RETNLB (resistin like beta) gene also influence the serum levels of liver enzyme in Korean population. We genotyped variants in or near RETNLB in a population-based sample including 994 Korean adults. Here, we performed association analysis to elucidate the possible relations of genetic polymorphisms in RETNLB gene with serum levels of liver enzyme. By examining genotype data of a total of 944 subjects in 5 hospital health promotion centers, we discovered the RETNLB gene polymorphisms are associated with serum levels of ALP. The common and highest significant polymorphism was rs736327 (${\beta}$=8.66, P=2.37E-05), rs7639070 (${\beta}$=8.56, P=3.24E-05) with ALP in all groups. Furthermore, the ALP was consistently associated with rs736327 (${\beta}$=10.40, P=5.23E-05), rs7639070 (${\beta}$=10.32, P=6.74E-05) in the male population. Consequently, we found statistically significant SNPs in RETNLB gene that are associated with serum levels of ALP. In addition, these results suggest that the individuals with the minor alleles of the SNP in the RETNLB gene may have elevated serum levels of ALP in the Korean population.

Association between C16orf47 Gene and Serum Liver Enzyme Levels in the Korean Population

  • Ahn, Hyo-Jun;Eom, Yong-Bin
    • 대한의생명과학회지
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    • 제19권3호
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    • pp.239-244
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    • 2013
  • Serum liver enzyme levels are widely used in the clinical diagnosis of liver diseases and the assessment of liver status. They also have epidemiological significance to be prospective risk factors for type 2 diabetes, cardiovascular disease. In the previous study, single nucleotide polymorphisms (SNPs) in several genes have been reported to be associated with serum liver enzyme levels in American population. We aimed to confirm whether the genetic variation of C16orf47 (chromosome 16 open reading frame 47) gene also influence the serum liver enzyme levels in Korean population. We genotyped variants in or near C16orf47 in a population-based sample including 994 unrelated Korean adult. Here, we performed association analysis to elucidate the possible relations of genetic polymorphisms in C16orf47 gene with serum liver enzyme levels. By examining genotype data of a total of 944 subjects in 5 hospital health promotion center, we discovered the C16orf47 gene polymorphisms are associated with serum liver enzyme levels. The common and highest significant polymorphism was rs7203412 (${\beta}$=3.68, P=3.66E-06) with glutamic oxaloacetic transferase (GOT) and rs7203412 (${\beta}$=6.2, P=7.06E-05) with glutamic pyruvate transaminase (GPT) in all group. Furthermore, the SNP rs7203412 was consistently associated with GOT (${\beta}$=6.41, P=6.78E-08) and GPT (${\beta}$=11.53, P=2.81E-06) in men group. Consequently, we found statistically significant SNP in C16orf47 gene that are associated with serum levels of GOT and GPT. In addition, these results suggest that the individuals with the minor alleles of the SNP in the C16orf47 gene may be more elevated serum liver enzyme levels in the Korean population.

일부 다빈도 질환에서 개원의의 의약품 처방에 영향을 미치는 요인 (Factors Influencing Physicians' Prescriptions in Some Frequent Diseases)

  • 박실비아;문옥륜;강영호
    • 보건행정학회지
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    • 제8권2호
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    • pp.166-190
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    • 1998
  • This study presents the status on drug prescription for clinic outpatients' bronchitis, gastritis, and gastric ulcer, and also the physician factors that affects their prescriptions. In this research project the physician factors are as follows: their demographic features, their work related features, education related features, drug information related features and drug promotion related features. The variables in drug prescriptions are drug expenses, daily drug expenses, days of medication, the highest price of the drugs used and the number of the different drugs used. Analysis of the use of prescription drugs was performed on NFMI(National Federation of Medical Insurance) 1994 medical expense claim data. Data on physicians' characteristics were collected by mailing surveys. Patients with secondary diseases were excluded. In this study, 388 adults with bronchitis, 1,038 children with bronchitis, 1,158 patients with gastritis, 369 patients with gastric ulcer were included. The older physicians tend to allow the lower drug costs: this explains that the older doctors who are more experienced less depend on the medicines. It can be also explained that doctors are likely to use the medicines that had been used for their intern and resident practice/training period. General practitioners give more intensive prescription compared to specialists. And specialists prescribed medicines to patients for longer period. The doctors' prescriptions for patients are largely affected by commercial sources. So objective and reliable sources for drug information is needed for patients' benefits. Physician factors explain better at the daily drug expenses, the drug price and the number of different drugs than days of medication. Gastric ulcer are better explained by the prescription model adopted in this study than other diseases.

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한방의료기관에서의 감기 진료에 대한 일반인의 인식 조사 (A Survey in the General Population on the Perception of the Common Cold Treatment at the Korean Medical Clinic)

  • 김도형;조민경;홍미나;최준용
    • 대한한방내과학회지
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    • 제38권3호
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    • pp.336-352
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    • 2017
  • Objective: This study investigated the perception, utilization, and satisfaction (in the general population), of the common cold treatment at the Korean Medical Clinic, to provide basic information for the development of Korean medicine clinical practice guidelines for the common cold. Method: A questionnaire was developed that consisted of questions about the general perception, utilization status, degree of satisfaction, willingness to use, and the improvement of the common cold treatment at the Korean Medical Clinic. An online survey was conducted using this questionnaire. Results: Three-hundred subjects responded to the survey. The results of the analysis were as follows. 1. 73.7% of the subjects recognized the common cold treatment at the Korean Medical Clinic. 2. 72% of the subjects had a positive perception of Korean medicine for common cold treatment. The major reason for the positive perception was the expectation about improving immunity and preventing recurrence. 3. Only 20% of the subjects had visited the Korean Medical Clinic for common cold treatment. The expensive cost was the major reason for not visiting the Korean Medical Clinic for common cold treatment. 4. The ratio of subjects who were willing to visit the Korean Medical Clinic for common cold treatment was 70%. 5. The expansion of health insurance coverage (67.7%), the activation of public relations (54.7%), and the development of a new herb medicine preparation that was easy to take (43.3%) were found to be necessary for improving the Korean medical service for common cold treatment. Conclusion: In spite of high recognition and positive perception, actual utilization of common cold treatment at the Korean Medical Clinic was relatively low. Multifaceted efforts are necessary to enhance the competitiveness of Korean medical service for treatment of the common cold.

재무분석을 통한 한방병원의 경영성과 분석 - 재무비율 및 투자효율을 중심으로 (An Analysis of the Financial Performance of Korean Medicine Hospitals in Korea: Focusing on Financial Ratios and Investment Efficiency)

  • 최원영;임병묵
    • 대한한의학회지
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    • 제41권1호
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    • pp.1-10
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    • 2020
  • Objectives: This study investigated the financial performance of Korean Medicine hospitals in Korea in order to understand the current status of hospital management and improve its efficiency. Methods: Financial statements of 24 medical corporations, 19 juridical foundations and 18 school hospitals from 2016 to 2018 were obtained from the secondary data published by the Health Insurance Review and Assessment Service, the National Tax Service and the Korea Advancing Schools Foundation. Financial performance was measured on 6 dimensions: liquidity, profitability, activity, growth, cost and productivity (investment efficiency) by analyzing 8 financial indicators: Liability to Total Assets, Net Profit to Patient Service Revenues, Total Assets Turnover, Growth Rate of Patient Service Revenues, Operating Expenses to Patient Service Revenues, Value Added to Patient Service Revenues, Value Added to Total Assets, and Value Added to Personnel Expenses. Results: Korean Medicine hospitals showed lower Liability to Total Assets, Liquidity and Value Added to Total Assets than Western Medicine hospitals did. They also showed higher Value Added to Patient Service Revenues and Value Added to Personnel Expenses than Western Medicine hospitals did. They also showed higher Value Added to Patient Service Revenues and Value Added to Personnel Expenses than those of Western Medicine hospitals do. The net profit decreased significantly (-50.8%) in 2018 whereas Patient Service Revenues increased (6.9%) for the same period due to Operating Expenses increase and Non-Operating loss. Conclusions: These findings suggest that the Korean Medicine hospital sector in Korea needs to improve liquidity and financial structure and to enhance profitability by reducing Personnel Expenses and generating Non-operating revenues in order to improve its investment efficiency and competitiveness.

한국부인의 보건지식, 태도 및 실천에 영향을 미치는 제요인분석 (An Analysis of Determinants of Health Knowledge, Attitude and Practice of Housewives in Korea)

  • 남철현
    • 보건교육건강증진학회지
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    • 제2권1호
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    • pp.3-50
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    • 1984
  • The levels of health knowledge, attitude and practice of housewives considerably effect to the health of households, communities and the nation. This study was designed to grasp the levels of health knowledge, attitude and practice of houswives and analyse the various factors effecting to health in order to provide health education services as well as materials for effective formulation and implementation of health policy to improve the health of the nation. This study has been conducted through interviews by trained surveyers for 4,281 housewives selected from 4,500 households throughout the country for 40 days during July 11-August 20, 1983. The results of survey were analysed by stepwise multiple regression and path analysis are summarized as follows; 1. Based on the measurement instrument applied to this study, the levels of health knowledge, attitude and practice of housewives were extremely low with 54.5 points out of 100 points in full. Higher level with 72 points and above was approximately 21 percent and lower level with 39 points and below was approx. 24 percent. The middle level was approx. 55 percent. In order to implement health programs successively, health education should be more strengthened and to improve the level of health knowledge, attitude and practice (KAP) of the nation, political consideration as a part of spiritual reformation must be concentrated on health. 2. The level of health knowledge indicated the highest points with 57.3 the level of attitude was the second with 55.0 points and the practice level was the lowest with 50.0 point. Therefore, planning and implementation of health education program must be based on the persuasion and motivation that health knowledge turn into practice. 3. Housewives who had higher level of health knowledge, showed their practice level was relatively lower and those who had middle or low level of it practice level was the reverse. 4. Correlations among health knowledge, attitude and practice (KAP) were generally higher and statistically significant at 0.1 percent level. Correlation between total health KAP level and health knowledge was the highest with r=.8092. 5. Health KAP levels showed significant differences according to the age, number of children, marital status, self-assessed health status and concern on health of the housewives interviewed (p<0.001) 6. Health KAP levels also showed significant differences according to the education level, economic status, employment before marriage and grown-up area of the housewives interviewed. (p<0.001) 7. Heath KAP levels showed significant differences according to health insurance benificiary and the existence of patients in the family. (p<0.001). 8. Health KAP levels showed significant differences according to distance to government organizations, schools, distance to health facilities, telephone possession rate, television possession rate, newspaper reading rate and activities of Ban meeting and Women's club. (p<0.001) 9. Health KAP levels showed significant differences according to electric mass communication media such as television, radio and village broadcasting etc. and printed media such as newspaper, magazine and booklets etc., IEC variables such as individual consultation and husband-wife communication, however, there was no significance with group training. 10. Health KAP of the housewives showed close correlation with personal characteristics variables, i.e., education level (r=.5302), age (r=-.3694) grown-up area (r=.3357) and employment before marriage. In general, correlation of health knowledge level was higher than the levels of attitude or practice. In case of health concern and health insurance, correlation of practice level was higher than health knowledge level. 11. Health KAP levels showed higher correlation with community environmental characteristics, Ban meeting and activity of Women's club, however, no correlation with New-village movement. 12. Among IEC variables, husband-wife communication showed the highest correlation with health KAP levels and printed media, electric mas communication media and health consultation in order. Therefore, encouragement of husband-wife communication and development of training program for men should be included in health education program. 13. Mass media such as electric mass com. and printed media were effective for knowledge transmission and husband-wife communication and individual consultation were effective for health practice. Group training was significant for knowledge transmission, however, but not significant for attitude formation or turning to health practice. To improve health KAP levels, health knowledge should be transmitted via mass media and health consultation with health professionals and field health workers should be strengthened. 14. Correlation of health KAP levels showed that knowledge level was generally higher than that of practice and recognized that knowledge was not linked with attitude or practice. 15. The twenty-five variables effecting health KAP levels of housewives had 41 per cent explanation variances among which education level had great contribution (β=.2309) and electric mass com. media (β=.1778), husband-wife communication (β=.1482), printed media, grown-up area, and distance to government organizations in order. Variances explained (R²) of health KAP were 31%, 15%, and 30% respectively. 16. Principal variables contributed to health KAP were education level (β=.12320, β=.1465), electric mass comm. media (β=.1762, β=.1839), printed media, (β=.1383, β=.1420) husband-wife communication (β=.1004, β=.1067), grown-up area and distance to government organizations, in order. Since education level contributes greatly to health KAP of the housewives, health education including curriculum development in primary, middle and high schools must be emphasized and health science must be selected as one of the basic liberal arts subject in universities. 17. Variences explained of IEC variables to health KAP were 19% in total, 14% in knowledge, 9% in attitude, and 10% in health practice. Contributions of IEC variables to health KAP levels were printed media (β=.3882), electric mass comm media (β=.3165), husb-band wife com. (β=.2095,) and consultation on health (β=.0841) in order, however, group training showed negative effect (β=-.0402). National fund must be invested for the development of Health Program through mass media such as TV and radio etc. and for printed materials such as newspaper, magazines, phamplet etc. needed for transmission of health knowledge. 18. Variables contributed to health KAP levels through IEC variables with indirect effects were education level (Ind E=0.0410), health concern (Ind E=.0161), newspaper reading rate (Ind E=.0137), TV possession rate and activity of Ban meeting in order, however, health facility showed negative effect (Ind E=-.0232) and other variables showed direct effect but not indirect effect. 19. Among the variables effecting health KAP level, education level showed the highest in total effect (TE=.2693) then IEC (TE=.1972), grown-up city (TE=.1237), newspaper reading rate (TE=.1020), distance to government organization (TE=.095) in order. 20. Variables indicating indirect effects to health KAP levels were; at knowledge level with R²=30%, education level (Ind E=.0344), newspaper reading rate (Ind E=.0112), TV possession rate (Ind E=.0689), activity of Ban meeting (Ind E=.0079) in order and at attitude level with R²=13%, education level (Ind E=. 0338), activity of Ban meeting (Ind E=.0079), and at practice level with R²=29%. education level (Ind E=.0268), health facility (Ind E=.0830) and concern on health (Ind E=.0105). 21. Total effect to health KAP levels and IEC by variable characteristics, personal characteristics variables indicated larger than community characteristics variables. 22. Multiple Correlation Coefficient (MCC) expressed by the Personal Characteristic Variable was .5049 and explained approximately 25% of variances. MCC expressed by total Community environment variable was .4283 and explained approx. 18% of variances. MCC expressed by IEC Variables was .4380 and explained approx. 19% of variances. The most important variable effected to health KAP levels was personal characteristic and then IEC variable, Community Environment variable in order. When the IEC effected with personal characteristic or community characteristic, the MCC or the variances were relatively higher than effecting alone. Therefore it was identified that the IEC was one of the important intermediate variable.

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미국 노인층의 자산 상속 계획 - 유언장 준비를 중심으로 - (Estate Planning among the U.S. Elderly - Focusing on Wills -)

  • 이지은
    • 대한가정학회지
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    • 제43권6호
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    • pp.113-131
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    • 2005
  • 본 연구의 목적은 미국 노인층을 중심으로 자산 분배 계획(estate planning)의 한 형태인 유언장 작성 현황 및 유언장 준비에 영향을 미치는 요인들을 살펴보는 것이다. 이를 위하여 미시간 대학 Survey Research Cutter에서 조사하고 National Institute on Aging에서 지원한 1994년 미국 노인층의 자산과 건강역동성에 관한 조사(Assets and Health Dynamics Among the Oldest Old) Wave 1을 이용하였으며, 조사대상자는 70세 이상의 5,365 노인가구이다. 본 연구의 구체적인 목표는 (1) 유언장을 준비한 노인들의 profile을 작성하고, 유언장 준비 여부별 노인들의 financial portfolio에 어떤 차이가 있는지를 비교하고, (2) 유언장 작성과 관련된 여러 요인들을 조사하며, (3) 본 결과를 바탕으로 가정경제학자 및 가계 재무상담자에게 시사점을 제시하는 것이다. 주요 결과는 (1) 자산 분배 계획(유언장 준비, 증여, 종신보험 가입등) 정도는 노인층들에게서 조차 낮은 것으로 나타났다 (2) 나이가 많으며, 부유하고 교육수준이 높으며, 백인이고 건강한 노인들이 그렇지 않은 노인들보다 유언장 준비를 할 확률이 높았으며, (3) 이타심(altruism)의 proxy 변수인 자선봉사 활동 참여와 기부여부도 유언장 준비에 긍정적인 영향을 미치는 것으로 나타났으며, (4) 재무 advisor가 있고, 자녀수가 적은 노인들이 그렇지 않은 노인들에 비해 유언장을 준비할 가능성이 높았다. (5) 그리고, 종신보험에 가입했거나, 지난 10년간 자녀에게 증여를 한 노인들이 그렇지 않은 노인들에 비해 유언장을 준비할 확률이 낮게 나타났다. 조사 결과를 바탕으로 가계 재무 상담자 및 후속 연구 위한 제언들이 제시되었다.