Co-payments for Elderly Care

“The financial risks of nursing home care are greatest for low-income individuals”

There are vast differences in the amount of coinsurance seniors have to pay for elderly care. In general, low-income care recipients spend a greater proportion of their income on coinsurance than higher-income recipients. The coinsurance rates for nursing home care, in particular, represent a financial risk for older individuals with a low income. This group needs more long-term care, especially more nursing home care.

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Key Takeaways for the Industry

  • Co-payment rates for long-term care contribute substantially to financial risk after retirement.
  • A greater understanding of behavioral effects is needed to improve the design of coinsurance.
  • Measures to encourage home care by means of coinsurance lead to a relatively high financial burden for low-income seniors who can not arrange in-home for themselves.

Want to know more?
Download the paper ‘Eigen bijdrage aan ouderenzorg‘ (Dutch only) by Pieter Bakx, Judith Bom, Marianne Tenand, Bram Wouterse (EUR)


Netspar, Network for Studies on Pensions, Aging and Retirement, is a thinktank and knowledge network. Netspar is dedicated to promoting a wider understanding of the economic and social implications of pensions, aging and retirement in the Netherlands and Europe.


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