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    Financial well-being of older Australians with multiple health conditions

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    Author
    Temple, JB; Williams, R
    Date
    2018-06-01
    Source Title
    Australasian Journal on Ageing
    Publisher
    WILEY
    University of Melbourne Author/s
    Temple, Jeromey; Williams, Ruth
    Affiliation
    Melbourne School of Population and Global Health
    Metadata
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    Document Type
    Journal Article
    Citations
    Temple, J. B. & Williams, R. (2018). Financial well-being of older Australians with multiple health conditions. AUSTRALASIAN JOURNAL ON AGEING, 37 (2), pp.127-134. https://doi.org/10.1111/ajag.12497.
    Access Status
    Open Access
    URI
    http://hdl.handle.net/11343/252738
    DOI
    10.1111/ajag.12497
    Open Access URL
    https://onlinelibrary.wiley.com/doi/am-pdf/10.1111/ajag.12497
    Abstract
    OBJECTIVE: Given recent rises in out-of-pocket health expenses, we examined the financial well-being of older Australians with multiple health conditions and disabilities. METHODS: The 2014 General Social Survey was used to measure the: (i) current financial position; (ii) propensity to experience financial difficulties; and (iii) types of behaviours older people with multiple health conditions engage in to improve financial resilience. RESULTS: Compared to older Australians with no health conditions, respondents with multiple health conditions had lower incomes and assets and a higher propensity to hold consumer debt (once controls were included). They were at a higher risk of cash flow difficulties, dissaving to meet day-to-day living expenses and exclusion from financial providers. However, the majority of people with multiple health conditions engaged in financially resilient behaviours. CONCLUSION: Many older Australians with multiple health conditions were in a financially precarious situation with implications for the ability to afford ongoing increases in out-of-pocket health-care costs.

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