Contents
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3.1 Introduction 3.1 Introduction
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3.2 Evidence on Out-of-Pocket Health Care Expenditures 3.2 Evidence on Out-of-Pocket Health Care Expenditures
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3.3 Data 3.3 Data
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Reasonable caps on spending values. Reasonable caps on spending values.
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Sparse imputation values. Sparse imputation values.
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Time to death. Time to death.
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3.4 Results 3.4 Results
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3.5 Conclusion 3.5 Conclusion
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References References
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Comment - David R. Weir Comment - David R. Weir
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References References
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3 The Risk of Out-of-Pocket Health Care Expenditure at the End of Life
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Published:May 2011
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Abstract
The chapter analyzes the magnitude, variation, persistence, and composition of out-of-pocket medical expenditures among older households. It highlights the extent to which high out-of-pocket burdens represent temporary financial shocks, such as from a more sudden acute illness, or persistent financial burdens, such as from a long-term chronic illness. The chapter also adds perspective on the broader changes in finances that are likely to affect individuals in the period leading up to death, and that may explain changes in asset holdings that are larger than out-of-pocket spending for health care. The chapter takes a note of transfers to children, charitable donations, perhaps travel, and lost earnings (by self or spouse) as illustrations of how asset profiles might be altered by terminal illness.
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