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An Integrated Approach to Creating Healthy Ageing in the Nation
Published in Goh Cheng Soon, Gerard Bodeker, Kishan Kariippanon, Healthy Ageing in Asia, 2022
Noor Hisham Abdullah, Goh Cheng Soon, Noraliza binti Noordin Merican, Sheleaswani binti Inche Zainal Abidin
Focusing beyond the improvement in human resources and facilities, the policy for the long-term care insurance for the elderly could be formulated to provide sustainable reform. For example, the Law on Long-Term Care Insurance for the Senior Citizens in Korea was passed in the Assembly’s plenary session in 2007 and implemented in 2008 to support senior citizens who cannot maintain a healthy living due to ageing or geriatric diseases (Won, 2013). This policy provides the benefits pertaining to ensuring equity and access for the elderly to the residential facility care and home care (home nursing and home bathing). It is different from the National Health Insurance in Korea which ensures the services provided by clinics, hospitals and pharmacies in disease diagnosis, outpatient or inpatient treatment, and rehabilitation (Kwon, Lee and Kim, 2015). This long-term care insurance for the elderly will also benefit those who are responsible for taking care and nursing their elderly by allowing the carer to participate in economic sectors and contribute to the country’s productivity.
Practical Matters
Published in Rubin Battino, Using Guided Imagery and Hypnosis in Brief Therapy and Palliative Care, 2020
Life insurance and long-term care insurance are other considerations. Some people find that purchasing life insurance is a good deal financially in terms of planning for the future. Generally, it is economically better to obtain it when you are younger. It is better to obtain guidance in this from impartial sources other than insurance companies themselves. Long-term care insurance can be quite expensive, especially if you obtain it too late in life. My wife and I have long-term care insurance that we obtained over ten years ago. There are not many insurance companies that do this now. We basically purchased it and maintain it since we do not want to put a burden on our children if we need it, and it still appears to be an economically sound choice. Again, there are independent consumer groups and governmental agencies that can provide non-profit information.
Medicare
Published in Kant Patel, Mark Rushefsky, Healthcare Politics and Policy in America, 2019
There are other issues with long-term care insurance. Those purchasing such insurance undergo risk evaluations and as many as 20 percent of applicants are denied coverage based on health risks. The policies are complex to understand and there is a long period between the time when one purchases the policy and when one needs to make use of it—as long as several decades (Tumlinson, Aguiar, and Watts 2009). Often the payments from the policy last for three years at most. The result of all this (along with the unwillingness on the part of many to think about the issue) is that only a small percentage (10 percent) of the senior population has such coverage (Andrews 2010).
Active Aging In Long-Term Care Facilities In Korea : Beyond The Lexical Meaning
Published in Journal of Gerontological Social Work, 2022
Hyun-Jeong Kim, Yumi Shin, Jung-Hwa Ha, Yaeji Kim-Knauss
In accordance with the Articles 15 and 16 of the Long-Term Care Insurance Act (Act no. 16369), the eligibility for long-term care services is assessed based on an applicant’s mental and physical functions and conditions. A long-term care approval score indicating how much help is necessary for daily life is calculated, and it decides the type of long-term care benefits one can get. Grades 1 (score > 95) or 2 (75 ≤ score < 95) are given to those who require help in all or most parts of daily life, respectively, and these groups of older adults are eligible for both care services provided in LTCFs and in-home services. Grades 3 (60 ≤ score < 75) or 4 (51 ≤ score < 60) are given to those who require help in some or small parts of daily life, whereas grade 5, which has been implemented since 2014, is a special grade for older adults with dementia (45 ≤ score < 51). Older adults with grades 3, 4, and 5 are entitled to in-home services (National Health Insurance Service (NHIS), 2020).
Covid-19 and Community Care in South Korea
Published in Journal of Gerontological Social Work, 2020
Cost and preference are among the concerns people have raised regarding institutional care. For example, because residential institutional care is financially supported by the universally accessible national health insurance (NHI) and Long-Term Care Insurance (LTCI), lengthy hospitalizations in the long-term care hospital (187 days on average) can threaten the financial sustainability of the health system (Hwang et al., 2016). Moreover, a survey shows that more than 50% of older people desire to live independently in their own communities rather than in residential institutions (Jung et al., 2017). The spread of COVID-19 has raised more concerns about institutional care. The recent outbreak revealed that care institutions are particularly vulnerable to COVID-19 for the following reasons (Gardner et al., 2020; Lai et al., 2020): (a) the high population density of long-term care hospitals (the number of beds in one room is 5.12 on average in long-term care hospitals while it is 3.61 in general hospitals), (b) difficulties in requiring people with dementia or respiratory disease to observe needed hygiene or wear masks; (c) the preexisting health conditions of most residents in care institutions that make them more susceptible to infection. With these ongoing problems of institutional care, there is a growing need for aging at home strategies.
Bereaved Families’ Experiences of End-of-Life Care at Home for Older Adults with Non-Cancer in South Korea
Published in Journal of Community Health Nursing, 2019
Hanul Lee, Jiwon Lee, Jong-Eun Lee
With the increasing number of working women and declining birth rate, family resources have declined in Korea. For this reason, it is necessary to find ways to create and solidify a system whereby society can provide various types of support. In South Korea, long-term care insurance is available to the elderly population. The purpose of this program is for the nation and society to share the responsibility for long-term care and nursing services for senior citizens with Alzheimer’s disease or stroke, rather than leaving the entire burden to their families (National Health Insurance Service, 2017). Long-term care insurance provides a variety of services such as home-visit care and short-term respite care. In addition, long-term care staff visits beneficiaries’ houses and provides support for physical or housework activities such as bathing, cooking, buying daily necessities, and cleaning. This service is intended to decrease the burden of caregivers and improve the quality of life for caregivers. Family caregivers said this is a useful system for engaging care staff at a reasonable cost; however, many pointed out that the level of expertise of the long-term care staff sent to relieve the burden of patients’ families was less satisfactory than they expected. Therefore, the government must improve the training for those staff members, thereby allowing families of patients to trust their service. With such a system of support, families can place more trust in the services and feel less exhaustion.