• Title/Summary/Keyword: term life insurance

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The Effects of Communication Skills, Compassion Satisfaction, Compassion Fatigue on Burnout among Staff of Long-term Care Insurance for the Elderly in National Health Insurance Services in Korea (노인장기요양 인정조사원의 의사소통능력, 공감만족 및 공감피로가 소진에 미치는 영향)

  • Choi, Hyoungshim;Lee, Kyongeun;Cho, Eunhee
    • Korean Journal of Occupational Health Nursing
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    • v.25 no.1
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    • pp.19-28
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    • 2016
  • Purpose: This study was a descriptive research to identify the effects of communication skills, compassion satisfaction, compassion fatigue on burnout among staff of long term care insurance for the elderly in National Health Insurance Services in Korea. Methods: A descriptive cross-sectional design was used. The participants were 191 staffs of long-term care insurance in National Health Insurance Services. Data were collected via mail from the 24 branch offices which were randomly selected among the total of 226 centers of National Health Insurance Corporation. Stamm's professional quality of life (ProQOL) and Communication Skills Test tool were included in questionnaire to detect. SPSS/WIN 20.0 was used to conduct the descriptive statistics, t-test, ANOVA, correlation analysis, and multiple regression. Results: Compassion fatigue had a significant positive effect on burnout, while Compassion satisfaction had a negative effect on burnout. The explained variance for burnout was 69% and compassion fatigue was the most significant factor in burnout among staff of long term care insurance services. Conclusion: The results indicate that the factors influencing staffs' burnout are compassion fatigue, compassion satisfaction, and education level. Therefore, strategies to decrease compassion fatigue and improve compassion satisfaction are needed to decrease burnout for staffs of long-term care insurance in National Health Insurance Services.

The Experiences of Family Caregivers under the Long-term Care Insurance (노인장기요양보험제도에서의 가족수발자의 경험)

  • Kim, Eun-Young;Lee, Ga Eon;Kim, Sam-Sook;Lee, Chun Yee
    • Research in Community and Public Health Nursing
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    • v.23 no.4
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    • pp.347-357
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    • 2012
  • Purpose: The purpose of this study was to explore the experiences of family caregivers who care for the elderly under Long-term Care Insurance. Methods: Data were collected using focus group interviews and analyzed using a phenomenological approach. The four focus groups consisted of eight caregivers, two social workers and three nurses in B city, Korea. Results: Five themes were identified: 'Obtaining a care-helper certification for employment', 'Taking care of the elderly in their homes', 'Difficulties due to life changes', 'Difficulties due to reduced wages' and 'Dissatisfaction with the Long-term Care Insurance operating system'. Conclusion: The results of this study demonstrate that the long-term care system for family caregivers faces many systematic challenges in providing care for the elderly harmoniously in their home. To help them succeed in their tasks, Long-term Care Insurance system must offer respite and support programs to family caregivers.

The Effects of Long-term Care Insurance on the Life Satisfaction and Satisfaction in Family Relationships - The DD Method Combined with Propensity Score Matching - (노인장기요양보험제도가 대상노인 및 부양가족의 삶의 질과 가족관계 만족도에 미치는 영향 - 성향점수매칭(PSM)과 이중차이(DD) 결합모형을 이용한 분석 -)

  • Kwon, Hyun-Jung;Cho, Yong-Un;Ko, Ji-Young
    • Korean Journal of Social Welfare
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    • v.63 no.4
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    • pp.301-326
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    • 2011
  • The major purpose of this study is to evaluate the impact of the long-term care insurance program. In order to estimate the impact of policy accurately, certain bias which might hamper the validity of this study has been removed by Propensity Score Matching(PSM) and Double Difference(DD) method from the semi-experimental design. To study the effects of long-term care insurance on the elderly and their family members as social outcome variable sand the quality of life of their family and satisfaction in family relationships, the third and fourth waves of Korea Welfare Panel are used to match experimental and comparative groups by the propensity score matching. Then, DD method, using the panel fixed effects model, is applied to estimate the differences of those groups'treatment effects before and after the policy implementation. As a result, it was found that the Quality of life on the elderly and their family members is statistically meaningless, while the satisfaction in family relationships has much increased after the policy implementation. The result has a limitation in that this evaluation is performed at the point when the long-term insurance program has not been ripened enough. However, there is an important implication on the significance of realizing the main goal of the long-term care insurance to improve the quality of life of the elderly and their family members and as for the potentiality of further system improvements.

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A Study on the Long-Term Care Insurance System prepare for the Super-Aged Society (초고령화 사회를 대비한 노인장기요양보험제도에 관한 연구)

  • Kim, Min-Ju;Hwang, Jun-Yong
    • Journal of the Korea Academia-Industrial cooperation Society
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    • v.20 no.10
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    • pp.395-405
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    • 2019
  • Korea is undergoing a change in its population structure, due to economic development, falling birth rates and the development of health care. As the population ages, the number of elderly people who have difficulty in daily life such as dementia and paralysis increases every day. The growth of nuclear families and the increased participation of women in society make it difficult to take care of elderly people who need long-term care at home. As the social problems resulting from this have emerged as serious problems, the government enacted and implemented the Long Term Care Insurance Act to improve the quality of life for the elderly subject to long-term care and to ease the burden of family support in order to solve such problems. Therefore, the present study explores ways to improve legal and institutional aspects, and seek mental and psychological measures for the stability of old life as well as the physical health of welfare.

The Quality of Life and Health Behavior Among the Elderly in Long Term Care Insurance Based on Korea National Health and Nutrition Examination Survey (KNHANES) (노인들의 건강행태와 삶의 질 수준 -국민건강·영양조사 중 노인장기요양보험 수혜 대상자를 중심으로-)

  • Yoon, Tae-Hyung;Chon, Seung-Ehul;Yi, Chung-Hwi
    • Physical Therapy Korea
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    • v.16 no.3
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    • pp.69-78
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    • 2009
  • The purpose of this study was to assess the level of quality of life and related factors among the elderly in Korea. In particular, we focused on factors affecting the quality of life of the elderly in long term care. We used the third Korean National Health and Nutrition Examination Surveys (KNHANES) from 2005. We sampled a total of 3,571 (10.5%) elderly from the national survey. We compared the mean of quality of life to socioeconomic status, Activities of Daily Living (ADL), health behavior, and disease variables. We used EuroQol-5D among KNHANES to assess the quality of life. In this study, the mean score of the quality of life among the elderly was 2.57. Logistic regression showed that the elderly who were male, with spouses, with health insurance, and with good ADL levels enjoyed higher quality of life scores and odds ratios than those who were female, divorced, uninsured, and with low ADL levels (p<.05). The quality of life of the elderly was affected by socioeconomic, ADL, health behavior and disease variables. To improve long term care and the quality of life among the elderly, we need detailed research to clarify the effects of these factors.

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ON STOCHASTIC OPTIMAL REINSURANCE AND INVESTMENT STRATEGIES FOR THE SURPLUS

  • Kim, Jai Heui;Lee, Eun Sun
    • Korean Journal of Mathematics
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    • v.16 no.2
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    • pp.145-156
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    • 2008
  • When we consider a life insurance company that sells a large number of continuous T-year term life insurance policies, it is important to find an optimal strategy which maximizes the surplus of the insurance company at time T. The purpose of this paper is to give an explicit expression for the optimal reinsurance and investment strategy which maximizes the expected exponential utility of the final value of the surplus at the end of T-th year. To do this we solve the corresponding Hamilton-Jacobi-Bellman equation.

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Review of rheumatic diseases in terms of insurance medicine (주요 류머티스 질환의 보험의학적 이해)

  • Lee, Sin-Hyung
    • The Journal of the Korean life insurance medical association
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    • v.31 no.1
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    • pp.19-28
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    • 2012
  • Nowadays, Rheumatic diseases are increasing more and more. So, it's important knowing the pathophysiology and extra-risk of each rheumatic disease so as to do sound underwriting. Here is brief review and long-term prognosis of some rheumatic diseases such as rheumatoid arthritis, systemic lupus erythematosus, Sj$\ddot{o}$gren syndrome, antiphospholipid syndrome, systemic sclerosis, ankylosing spondylitis, Takayasu's arteritis, and Behcet syndrome.

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Utilization and Expenditure of Health Care and Long-term Care at the End of Life: Evidence from Korea (장기요양 인정자의 사망 전 의료 및 요양서비스 이용 양상 분석)

  • Han, Eun-jeong;Hwang, RahIl;Lee, Jung-suk
    • 한국사회정책
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    • v.25 no.1
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    • pp.99-123
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    • 2018
  • Purpose: This study empirically investigates the utilization and expenditure of health care and long-term care at the last year of life for long-term care beneficiaries in Korea. Methods: This study used National Health Insurance and Long-term Care Insurance claims data of 271,474 LTCI beneficiaries, who died from July 2008 to December 2012. Their cause of death, place of death, health care costs, and the provision of aggressive care were analyzed. Results: Cardio-vascular disease(29.8%) and cancer(15.3%) were reported as their major cause of death, and hospital(64.4%), home(22.0%), social care facility(9.2%) were analyzed as the place of death. 99.3% of subjects used both health care and long-term care during the last 1 year of life. The average survival period were 516.2 days after they were LTCI beneficiaries. The health care expenditure gradually increased near the death, and the last month were three times more rather than the first month. Furthermore, 31.8% experienced some aggressive cares(CPR, blood transfusion, hemo-dialysis, etc.) at the last month of life. Conclusion: The results of this study suggest that it is important to develop the end of life care policies(for example, hospice, advanced care directives) for the LTCI beneficiaries. They might contribute to the improvement of quality of life and the reduction of health care expenditure of the elderly at the end-of-life.

Relationship Between Status of Physical and Mental Function and Quality of Life Among the Elderly People Admitted from Long-Term Care Insurance (장기요양 인정자의 신체적 및 정신적 기능 상태와 삶의 질과의 관계)

  • Kim, Hyeong-Seon;Bae, Nam-Kyou;Kwon, In-Sun;Cho, Young-Chae
    • Journal of Preventive Medicine and Public Health
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    • v.43 no.4
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    • pp.319-329
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    • 2010
  • Objectives: This study was performed to determine the levels of quality of life (QOL) according to the grade of long-term care service for the elderly people who were admitted from long-term care insurance, and to reveal its association with the physical and mental functioning such as the Activity of Daily Living (ADL), the Instrumental Activity of Daily Living (IADL), the Center for Epidemiologic Studies Depression Scale (CES-D), and the Mini-Mental State Examination-Korean version (MMSE-K). Methods: The interviews were performed during the period from March 1 to May 31, 2009, for 958 elderly people in urban and rural areas. The questionnaire items included various indices such as the ADL, IADL, CES-D, and MMSE-K, as independent variables and the index of QOL, as the dependent ones. For statistical analysis, t-tests were used for the mean scores of QOL according to gender and the grade of long-term care services, and Spearman's correlation was used for each variable. The effects of physical and mental functioning for QOL were assessed by covariance structure analysis. The statistical significance was set at p<0.05. Results: The mean scores of QOL among all the subjects was $55.4{\pm}15.62$ (Grade I: $49.7{\pm}14.17$, Grade II: $56.8{\pm}14.62$, Grade III: $59.4{\pm}16.36$), and it was lower according to the higher grade of long-term care insurance. In terms of the correlation matrix of the QOL and the physical and mental function factors, the QOL showed positive correlation with the ADL, IADL and MMSE-K, while it had negative correlation with depression. On the analysis of covariance, mental functioning (depression and the MMSE-K) had a greater influence on the level of QOL than the physical functioning (ADL and IADL). Conclusions: The level of the QOL in the elderly people who were admitted from long-term care insurance was lower according to higher the grade of long-term care insurance. Also, the mental functioning (depression and MMSE-K) was more influential on the level of the QOL than the physical functioning (ADL and IADL).

A Study on the Problems and Improvement of Long-Term Care Insurance for the Elderly (노인장기요양보험제도의 문제점 및 개선방안에 관한 고찰)

  • Ahn, Myung-Sun;Park, Joo-Hyun
    • The Journal of the Korea Contents Association
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    • v.19 no.8
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    • pp.525-534
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    • 2019
  • Korea is facing one of the fastest aging population problems in the world due to the extension of life expectancy and low birth rates due to economic development and the development of health care. It has become difficult to take care of elderly people in need of long-term care at home, and social problems such as dementia and the increase in stroke cases are serious problems. The government is enacting and implementing the Long-Term Care Insurance Act for the purpose of improving the quality of life for senior citizens subject to long-term care and alleviating the burden of family support in order to solve such social structure and problems for senior citizens. However, as a result of the implementation of the long-term care insurance system for the elderly, the privatization of the facilities and the disorder are causing widespread requests for public accountability of the services and the enhancement of the quality of the facilities. In addition, various arrangements are needed for the production of low-wage medical care workers, tasks for quality improvement, problems regarding financing methods, and so on. In order to maintain and develop the long-term care insurance system for the elderly, the government will consider seeking ways to improve the legal and institutional aspects according to changes in the social environment of the age, as well as seeking mental and psychological measures for the stabilization of old life as well as physical health.