• 제목/요약/키워드: term life insurance

검색결과 124건 처리시간 0.024초

고령자 주택개조 관련 제도 현황 분석 (Analysis on the Home Modification related System for the Elderly)

  • 권오정;김진영;이용민
    • 한국실내디자인학회논문집
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    • 제27권2호
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    • pp.24-36
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    • 2018
  • Implementing a home modification to enable elderly's safe and independent living is the key plan to realize their aging in place. South Korea in which had entered an aged society is not yet vitalized in home modification for the elderly compared to that of welfare-developed countries, and South Korea provides support that is limited to the low-income elderly. Therefore, this purpose of this study was to analyze the laws related to the home modification, the present condition of home modification support, the standards and guidelines in home modification, the support in house modification cost, and supporting organization and working force in the home modification. Through the analyzing process, this study examined the current situation and problems of institutional support in the home modification for elderly and the proposed plan for institutional improvement. The suggestions based on the results are as in the following. 1) Home modification support law(act or regulation) is required to be improved 2) Home modification support system correspondent to aging process should be provided regardless of their income levels. 3) Delicate plan standard and guideline are necessary for a process of implementing the home modification for the elderly. 4) Information on life behavior is in need for the implementation of elderly-customized home modification. 5) Cost for the home modification should be considered to cover by the Act on Long-Term Care Insurance for the Aged. 6) Housing Welfare Center and Housing Welfare Professional should be actively utilized for the home modification support institution and work force.

SMI군과 Non-SMI군의 사망원인 비교분석 : 일 장기요양기설 입소자를 대상으로 (The Causes of Death of the Institutionalized Population of Kkottongnae : Comparison between Severe Mental Illness Group(SMI) and Non-Severe Mental Illness Group(Non-SMI))

  • 문수진;김경훈;송지영;백종우
    • 생물정신의학
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    • 제16권3호
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    • pp.198-204
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    • 2009
  • Objectives : Schizophrenia and other psychiatric disorder are associated with an increased risk of premature death. For decades, there have been reports of shorter life expectancy among those with severe mental illness. The purpose of this study was to compare the risk of mortality among institutionalized population, treated for severe mental illness to control group who did not have severe mental illness. Methods : The medical records and the death certificates of 2,029 institutionalized population who had died from 1985 to 2003 in Kkottongnae were investigated. Results : The mean age of the death of severe mental illness(SMI) group(51.4${\pm}$15.3 years old) was lower than that of non-severe mental illness(non-SMI) group(65.0${\pm}$19.3 years old) and it was statistically significant(p<0.0001). The most causes of death among the SMI group were respiratory diseases(23.3%), infectious disease (13.0%) and digestive disease(12.3%). Also, we found that the death due to injuries of the SMI group(8.9%) were three times higher than that of non-SMI group(2.5%). The most causes of death among the non-SMI group were respiratory disease(26.3%), circulatory disease(26.2%) and neoplasm(10.8%). Conclusion : The SMI group demonstrated higher mortality rates compared with the rate in the non-SMI group. The finding suggests that careful intervention is needed not only for menal health but also physical health in long-term facilities.

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일본의 단지형 공동주택 리모델링 정책특성 및 활성화 지원제도에 관한 연구 (A Study on the Policy Characteristics and the Activation Support System of Remodeling Apartment complexes in Japan)

  • 김주희;김동우;김용;오세규
    • 대한건축학회연합논문집
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    • 제20권6호
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    • pp.121-129
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    • 2018
  • The present study analyzed what policies are being executed for deteriorated apartments in Japan and what characteristics each policy had in order to examine policy direction and implications for the improvement of vitalization of remodeling business of deteriorated apartments in Korea. The study results are as follows. Japan recognized social problems of deteriorated apartments and pushed forward a national level remodeling actively by preparing financial support of central government and supporting plan by city and province. First, Japan maintained initial performance of buildings through phased maintenance for deterioration of buildings and aimed to reduce environmental load and maintain asset values of buildings through enlarging durability of buildings by responding to lifestyle according to social changes. To this end, they promoted the long life of buildings through the establishment of systematic long term repair plan from the stage of moving in the buildings. Second, in order to reduce the risk of remodeling projects, they prepared an environment where business could be carried out with an easy mind in various aspects by introducing remodeling business registration system and large scale repair construction defect insurance system. Third, they reduced economic burden of main agents of remodeling business with tax preferential treatment and financial support policies. Fourth, they have established remodeling support system based on overall social issues and connected it with social effect that could be obtained through this. The remodeling policies of Japan were carried out in the direction of solving social problems and considering economic aspect rather than just improving individuals' residence environment.

Cohort Study Protocol: A Cohort of Korean Atomic Bomb Survivors and Their Offspring

  • Seong-geun Moon;Ansun Jeong;Yunji Han;Jin-Wu Nam;Mi Kyung Kim;Inah Kim;Yu-Mi Kim;Boyoung Park
    • Journal of Preventive Medicine and Public Health
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    • 제56권1호
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    • pp.1-11
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    • 2023
  • In 1945, atomic bombs were dropped on Hiroshima and Nagasaki. Approximately 70 000 Koreans are estimated to have been exposed to radiation from atomic bombs at that time. After Korea's Liberation Day, approximately 23 000 of these people returned to Korea. To investigate the long-term health and hereditary effects of atomic bomb exposure on the offspring, cohort studies have been conducted on atomic bomb survivors in Japan. This study is an ongoing cohort study to determine the health status of Korean atomic bomb survivors and investigate whether any health effects were inherited by their offspring. Atomic bomb survivors are defined by the Special Act On the Support for Korean Atomic Bomb Victims, and their offspring are identified by participating atomic bomb survivors. As of 2024, we plan to recruit 1500 atomic bomb survivors and their offspring, including 200 trios with more than 300 people. Questionnaires regarding socio-demographic factors, health behaviors, past medical history, laboratory tests, and pedigree information comprise the data collected to minimize survival bias. For the 200 trios, whole-genome analysis is planned to identify de novo mutations in atomic bomb survivors and to compare the prevalence of de novo mutations with trios in the general population. Active follow-up based on telephone surveys and passive follow-up with linkage to the Korean Red Cross, National Health Insurance Service, death registry, and Korea Central Cancer Registry data are ongoing. By combining pedigree information with the findings of trio-based whole-genome analysis, the results will elucidate the hereditary health effects of atomic bomb exposure.

고혈압 대상자의 지역사회 중심 사례관리 프로그램 효과 (Effects of Community-based Case Management Program for Clients with Hypertension)

  • 소애영;김윤미;김은영;김창엽;김철환;김희걸;신은영;유원섭;이꽃메;전경자
    • 대한간호학회지
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    • 제38권6호
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    • pp.822-830
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    • 2008
  • Purpose: The purpose of this study was to analyze effects of a community-based case management program for clients with hypertension living in the community. Methods: The research design was a one group pre and post-test design with 30 participants with hypertension who agreed to participate in the 8-12 week case management program provided by case managers from the National Health Insurance Corporation in 2002. Data were collected three times, before and after the case management services, and 6 months later. Outcomes included changes in blood pressure, knowledge of hypertension and daily life practices, including alcohol consumption, smoking, exercise, and medication adherence. Results: Repeated-measures ANOVA and post-hoc tests of means revealed significant differences before and after service for systolic blood pressure, daily life practices (monitoring body weight and BP, low salt and cholesterol and high vegetable diet, and stress-relief practices), and exercise. The goal for medication adherence was attained after service. Significant improvements from baseline to 6 months after service were observed in measures of salt and vegetables in diet. There were no significant differences on hypertension knowledge, alcohol consumption or smoking behavior between before service and after, and at 6 months. Conclusion: The findings provide preliminary evidence that case management intervention can have positive outcomes on BP control, daily life practices, exercise, and medication adherence for clients with hypertension. However, additional interventions are needed to sustain long-term effects.

노인의 라이프케어 향상을 위한 지역사회 통합돌봄사업 미래 방향에 대한 제시 (A Suggestions of Future Direction of the Integrated Community Care Business for Improvement of the Elderly's Life Care)

  • 양승훈
    • 한국엔터테인먼트산업학회논문지
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    • 제15권8호
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    • pp.423-432
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    • 2021
  • 본 연구에서는 노인의 라이프케어 및 삶의 질향상을 위해 도입되어 시행되고 있는 통합돌봄사업의 미래 가치성 확대와 방향성 제시를 위하여 현황과 문제점들을 알아보고 이를 통해 다음과 같은 연구적 결론을 제시하였다. 첫째, 서비스 수혜 노인의 욕구분석은 조사자 중심이 아닌 환자 중심으로 구성하며, 특히 의료진의 진료방문을 통한 의학적관리 부분이 강화되어야 하며, 성별과 연령, 장애유형과 개인적 욕구취향에 따른 특화된 서비스 항목 부분이 점진적으로 강화되어야 할 것이다. 둘째, 서비스 항목에 대한 만족도 및 중복성 그리고 효과성 등을 분석하여 예산을 절감하며 수요자 중심의 서비스 항목구성과 신규 서비스 필요 항목 적용 등을 고려해 나간다. 셋째, 통합 스케줄관리시스템 도입을 통하여 서비스 제공 직역단체와 수혜자 간의 사전예약 및 방문 스케줄 관리의 전문화가 필요하다. 넷째, 재원 문제해결을 위한 노력으로, 보건의료 재정과 장기요양보험제도 그리고 사회복지재정사업 등과 합리적 재원공유 제도마련이 필요하며, 서비스 관련 산업분야와의 재원의 연계나 순환, 지방 공공의대 출신 인력투입 방안을 고려할 수 있다. 이상의 제안을 통해 통합돌봄사업은 보편적 노인 케어시스템으로의 완성과 미래 가치를 지닐 수 있게 될 것이다.

왜도 예측을 이용한 Lee-Carter 모형의 주택연금 리스크 분석 (Actuarial analysis of a reverse mortgage applying a modified Lee-Carter model based on the projection of the skewness of the mortality)

  • 이항석;박상대;백혜연
    • 응용통계연구
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    • 제31권1호
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    • pp.77-96
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    • 2018
  • 주택연금은 계약기간이 확정되어 있지 않기 때문에 계약 종료 시점에 대한 확률분포 예측이 장수리스크 관리를 위하여 중요하다. 따라서 고령화의 주요인인 기대수명의 연장은 연금 재정건전성에 심각한 영향을 끼칠 수 있기 때문에 사망률의 개선 추세가 적절히 반영된 사망률 예측 연구가 선행될 필요가 있다. 본 연구에서는 Lee-Carter (LC) 모형과 연생모형을 이용하여 주택연금 계리모형에 사망률 개선 효과를 반영하였다. 전통적 LC 모형을 통한 사망률 예측 방식은 미래 사망률이 지나치게 개선되는 현상을 보이고 있기 때문에 사망률 개선효과를 조금 더 적절한 수준으로 보정하고자 본 연구에서는 사망확률 분포의 편중을 나타내는 왜도를 활용한 LC 모형을 적용하였다. 왜도 예측 방식을 LC 모형에 적용한 방법론을 사용하여 주택연금 월 지급금을 산출해본 결과 전통적 LC 모형의 사망률 예측보다 사망률 개선효과를 더 적게 반영하여 더 큰 월 지급금이 산출되었고, 왜도 활용 LC 모형에 의한 이러한 결과는 장수 리스크를 덜 왜곡한다는 데 의의가 있다고 볼 수 있다. 본 연구 결과는 사망률 감소 추세를 적절하게 반영한 위험률을 계산하여 주택연금의 발행기관 및 보증기관의 적정한 월 지급금 지급과 차후 월 지급금의 과대지급으로 인한 지급불능을 방지할 수 있는 리스크 관리 방법으로 이용될 수도 있다.

노인의 시각, 청각 및 일상생활활동의 관계에 대한 인지기능의 매개효과 (Mediating Effect of Cognitive Function on the Relationship Between Vision, Hearing, and Activities of Daily Living)

  • 남상훈;홍익표
    • 재활치료과학
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    • 제12권1호
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    • pp.65-78
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    • 2023
  • 목적 : 노화에 따른 인지 및 신체기능의 저하는 노인 대상에 흔한 증상이다. 노화에 따른 대표적인 기능저하로 시각과 청각, 인지기능, 일상생활활동의 제한이 있다. 이에 따른 많은 연구들이 각 변수 간의 관계성을 조사하였다. 하지만 네 개의 변수 간의 관계성을 파악한 연구는 미흡하다. 따라서 본 연구에서 시각 및 청각과 일상생활활동 간의 관계에서 인지기능의 매개효과를 알아보고자 한다. 연구방법 : 본 연구의 대상자는 국민건강보험공단에서 제공하는 건강보험자료 공유서비스에서 노인 장기요양 DB의 36,767명을 대상으로 하였다. 독립변수로 시각과 청각 변수를 추출하였고 종속변수로 기본적 및 수단적 일상생활활동 변수를 추출하였다. 매개변수로는 인지기능 변수를 추출하였다. 추출한 변수들을 활용하여 매개효과를 알아보기 위해 경로분석을 진행하였다. 결과 : 대상자는 여성이 27,250명(74.12%)으로 대부분이었으며, 평균 연령은 82.91세(SD = 5.92)이었다. 시각과 기본적 및 수단적 일상생활활동 간의 인지기능 매개효과를 알아본 결과, 시각과 기본적 일상생활활동 간의 관계에서 인지기능이 30%, 시각과 수단적 일상생활활동 간의 관계에서 인지기능이 42% 부분매개 역할을 하였다. 청각과 기본적 및 수단적 일상생활활동 간의 인지기능 매개효과는 기본적 일상생활활동에서 50%, 수단적 일상생활활동에서 53% 부분매개 역할을 하였다. 결론 : 노화에 따른 기능저하와 관련된 예방 프로그램은 많은 국가사업으로 진행되어오고 있다. 본 연구의 결과를 활용한 시각, 청각, 인지기능, 일상생활활동의 관계를 감안하여 예방 프로그램을 수립한다면 성공적인 노화를 도모하는데 도움이 될 것으로 사료된다.

암 환아 발생이 가족에게 미치는 영향에 관한 연구 (The Impact of Childhood Cancer on The Korean Family)

  • 김수지;양순옥
    • 대한간호학회지
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    • 제22권4호
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    • pp.636-652
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    • 1992
  • This study identified the impact of childhood cancer on the Korean family. The purpose was to contribute knowledge for family nursing and pediatric hospice care practice with sick children and their families. This descriptive study was conducted during a 6 month period with children who were being treated for cancer at six university hospitals in Seoul. The data were gathered from members of 68 families ; 24(Group A), with a child newly diagnosed with cancer : 27(Group B), with a child under treatment and without complications, and 17 (Group C), with a child in relapse. Medical records, structured questionnaires and interviews were used for data collection. The questionnaires and interview schedules had been used previously in Martinson's research in the USA and China. The findings, conclusions, and suggestions are as follows. 1. The impact of childhood cancer on the family. Members of the family experienced fear, helplessness, guilty feelings, and anger at the time of the initial diagnosis and at relapse. Mothers complained of headache, anorexia and poor appetite, weight loss, sleep disturbance, and bad dreams. Many of the fathers either lost or changed jobs, and all working mothers stopped working. Half the parents reported changes in their marital relationships such as frequent quarrels but also stronger unity. Family members perceived cancer as the most frightening disease. Change in their world view was expressed as living on faith understanding suffering, determining to live a better life, wanting to live an upright life and valuing health as the most important. Religious activities are found most helpful through this difficult experience. Financial debt due to the treatment and care of the sick child, burdened 22 families. The above mentioned impact was most evidant in Group B(those presently undergoing treatment) and Group C(those in relapse). Findings indicate that nursing care should embrace the family of a child who is being treated for cancer. 2. Characteristics of the child with cancer The majority of the children in this sample had a diagnosis of leukemia. Their mean age was 6.8 and the ratio of boys to girls was 1.12 ; 1. The mean hospitalization frequency was 13.5 times and the mean duration of illness was 16.8 months. Most of 1.he children perceived cancer as the most frightening disease ; 32.7% of the children described their sickness as serious. Children in Group C were hospitalized more frequently, stayed in hospital for longer periods, and expressed their sickness as quite serious more often than the other two groups. These findings indicate how much comprehensive pediatric hospice nursing care services are needed along with relevant research and nursing education. 3. Characteristics of the families. The mean age of the father was 39.5 and the mother, 36,6 ; they are in their most productive life period. Mothers especially expressed feelings of financial uneasiness and powerlessness about giving up their jobs, and guilty feelings for not providing enough care and concern to other children due to taking care of the sick one. The burden of caring for the sick child can bring negative changes in family dynamics which they think provoke potential health problems in members of the family These findings suggest a need for nursing support and counselling resources. Findings also suggest the need for ethical inquiry about such questions as who should give information to the child in regard to diagnosis and prognosis, when, and how. Other suggestions included : 1) Quality health care for childhood cancer such as home care and pediatric hospice programs should be established. 2) Special and practical consideration for long-term patients should be made in the present insurance coverage. The reimbursement period for long-term patients should be lengthened. 3) Further in-depth qualitative studies are needed. 4) Education programs including guided practice experience for pediatric hospice care practitioners are needed.

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미국 중학교 가정과 교육과정의 '소비생활' 영역 내용요소 분석: 오하이오, 미네소타, 위스콘신 주를 중심으로 (Analysis of the Content Components of 'Consumer Life' Area of Middle School Home Economics Curriculum of the U.S.: Focusing on the States of Ohio, Minnesota, and Wisconsin)

  • 김샛별
    • 한국가정과교육학회지
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    • 제33권4호
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    • pp.139-157
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    • 2021
  • 본 연구는 우리나라 청소년들의 소비자역량 강화를 위해 미국 3개 주(오하이오, 미네소타, 위스콘신) 중학교 가정과 교육과정을 분석함으로써, 우리나라 중학교 가정과 교육과정에 시사점을 도출하는데 목적이 있다. 이를 위해 2015 오하이오 주, 2017 미네소타 주, 2013 위스콘신 주 중학교 가정과 교육과정의 '소비생활' 영역의 성취기준을 수집해 소비자역량 내용을 분석하였다. 소비자역량 내용 분석 준거는 우리나라 성인들의 소비자역량을 측정하기 위해 개발한 한국소비자원의 소비자역량 내용체계를 기준으로 연구자가 수정·보완하여 활용하였다. 분석 결과와 시사점을 요약하면 다음과 같다. 첫째, 미국 가정과 교육과정에서는 청소년들의 금융이해력 향상을 위해 신용관리, 저축/투자/보험, 세금, 금융환경과 금융의사결정 등 다양한 내용요소를 다루고 있었다. 차기 교육과정에서는 길어진 노후생활에서의 재무 안정을 위해 경제 환경의 변화 등 각종 변수를 고려해 생애주기별 실제적인 재무계획을 세울 수 있도록 금융기초지식과 금융 정보 활용 기술 강화를 위한 내용을 제시할 필요가 있다. 둘째, 미국 가정과 교육과정에서는 소비자거래역량 향상을 위해 가격과 이자율, 경제동향 및 수요와 공급의 영향, 구매방법과 계약 조건 등 경제개념을 적용해 구매의사결정을 할 수 있도록 교육과정을 개발하였으나, 우리나라는 구매계획, 구매의사결정과정에 집중되어 있기에 중학교 수준에 적합한 경제 개념을 도입해 소비자거래역량 함양을 도와줄 필요가 있다. 셋째, '소비자시민역량' 강화를 위해 차기 교육과정에서는 권리주장과 책임 수용을 균형 있게 다룰 필요가 있으며, 특히 소비자 주권이 실현되는 소비환경 조성을 위한 소비자 정책과 법률, 소비자 옹호 등에 관한 내용을 강화할 필요가 있다.