運用商業年金保險支付長期看護費用之研究

A Study on useing commercial Annuity payments of long-term care expenses

陳家郁(Jia-Yu Chen)

指導教授 ： 蘇文斌

朝陽科技大學/管理學院/保險金融管理系/碩士(2011年)

摘要

隨著老年人口比例逐年增加、疾病型態的改變，台灣已逐漸進入高齡少子化社會，長期照護成為家庭經濟與社會發展的一個重要議題。由於目前市場銷售的商業長期看護保險價格高昂，並非一般人所能負擔，且台灣目前也僅以社會救助方式及全民健保支應小部分長期照護相關給付，家庭所能負擔的照顧功能日漸勢微，以往由子女照顧年邁父母的情況，已轉變為交由機構照護或是聘請外籍監護工看護，未來老人養護及照護費用將成為社會及家庭沈重的負擔。面對未來大量的長期照護需求實屬不足，因此台灣應儘速建立一完整長期照護體系。
本研究使用問卷調查方式，也同時分析瞭解民眾對長期照護認知之差異情形。進一步探討民眾對於購買商業年金保險的看法，購買商業年金保險在未來可能需要長期照護時有一筆足夠的資金足以支付長期照護的龐大費用，若能透過此方式結合商業年金保險來紓解部份長期照護之財源壓力，便能減輕政府及一般民眾之財源負擔。另一方面，購買商業年金保險可以保障退休生活的品質與財源的所需。

關鍵字

長期照護 ； 退休規劃 ； 商業年金保險

並列摘要

As elderly population increases gradually by years, and the type of deceases changes, Taiwan has already became a aging society, therefore,the long term care of elderly population has became a social problem.Since the price of business long-term care insurance in market nowadays
is high and unaffordable for most people, while Taiwan at present onlysupport a small portion of long-term care by social aid and National Health Insurance program (NHI). Function of the family can afford to take care of the growing potential of micro, in the past to take care of elderly parents by the children, the situation has changed, or to institutional care, care of employing foreign care, maintenance and future care costs for the elderly will become a heavy burden on society and the family. To deal with the mass need of long-term care in future, it is not enough, therefore, Taiwan should build a complete long-term care system as soon as possible.
In this study, questionnaires were also analyzed to understand public perception of the difference between long-term care situation. Further explore the public for the purchase of the views of commercial annuity purchase annuity business may need long-term care in the future when sufficient funds have a sum sufficient to cover the enormous costs of long-term care, if ways can be combined through this annuity the insurance business to relieve some of the long-term future Care of the financial resources pressure, to facilitate the government and the general public can reduce the burden of financial resources. On the other hand, purchase of commercial pension insurance can protect the quality of life after retirement and financial resources required.

並列關鍵字

retired planning ； Long-term care ； Commercial annuity insurance

參考文獻

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6.美國護理協會(American Nurses Association, ANA)