Gaps in Social Protection for Health Care and Long‐Term Care in Europe: Are the Elderly Faced with Financial Ruin?

24 Pages Posted: 3 Jan 2013

See all articles by Xenia Scheil‐Adlung

Xenia Scheil‐Adlung

International Labour Organization (ILO) - Social Security Department

Jacopo Bonan

Fondazione Eni Enrico Mattei (FEEM), Milan

Date Written: January‐March 2013

Abstract

While public expenditure on health care and long‐term care (LTC) has been monitored for many years in European countries, far less attention has been paid to the financial consequences for older people of private out‐of‐pocket (OOP) expenditure necessary to access such care. Employing representative cross‐sectional data on the elderly populations of 11 European countries in 2004 from the Survey of Health, Ageing and Retirement in Europe (SHARE), we find that OOP payments for health care and LTC are very common among the elderly across European countries and such expenditures impact significantly on disposable income: up to 95 per cent of the elderly make OOP payments for health care and 5 per cent for LTC, resulting in income reductions of between 5 and 10 per cent, respectively. Failure to prevent financial ruin, as a consequence of excessive OOP payments, is evident in 0.7 per cent of elderly households utilizing health care and 0.5 per cent of elderly households utilizing LTC. Those particularly concerned are the poor, women and the very old.

Keywords: long term care, consumption of health care, older people, poverty, Europe

Suggested Citation

Scheil-Adlung, Xenia and Bonan, Jacopo, Gaps in Social Protection for Health Care and Long‐Term Care in Europe: Are the Elderly Faced with Financial Ruin? (January‐March 2013). International Social Security Review, Vol. 66, Issue 1, pp. 25-48, 2013. Available at SSRN: https://ssrn.com/abstract=2195843 or http://dx.doi.org/10.1111/issr.12001

Xenia Scheil-Adlung (Contact Author)

International Labour Organization (ILO) - Social Security Department ( email )

CH-1211 Geneva 22
Switzerland

Jacopo Bonan

Fondazione Eni Enrico Mattei (FEEM), Milan ( email )

Corso Magenta 63
20123 Milan
Italy

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