Hoivavakuutuksen tarve ja arvo erilaisille kotitalouksille

Niku Määttänen and Tarmo Valkonen

No 1223, Discussion Papers from The Research Institute of the Finnish Economy

Abstract: We study old age care expenditures and means to prepare for them. The expected size of the expenditures is described both from the point of view of individuals and the municipalities who provide the services. We use a numerical stochastic life cycle model to research how much various individuals would benefit from a possibility to buy a long term care insurance policy in stead of using private saving to cover the uncertain expenditures. In addition, the influence of customer fees and vouchers on the value of the long term care insurance is analyzed.

Pages: 36 pages
Date: 2010
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