The long term financial impacts of CVD: living standards in retirement.
Identifieur interne : 000117 ( Main/Merge ); précédent : 000116; suivant : 000118The long term financial impacts of CVD: living standards in retirement.
Auteurs : Deborah Schofield [Australie] ; Simon Kelly ; Rupendra Shrestha ; Megan Passey ; Emily Callander ; Richard PercivalSource :
- International journal of cardiology [ 1874-1754 ] ; 2012.
Descripteurs français
- KwdFr :
- Adulte d'âge moyen (MeSH), Australie (MeSH), Coûts indirects de la maladie (MeSH), Facteurs socioéconomiques (MeSH), Femelle (MeSH), Humains (MeSH), Maladies cardiovasculaires (économie), Modèles économiques (MeSH), Mâle (MeSH), Pensions (MeSH), Prévision (MeSH), Retraite (tendances), Retraite (économie), Revenu (tendances), Simulation numérique (MeSH), Sujet âgé (MeSH).
- MESH :
- tendances : Retraite, Revenu.
- économie : Maladies cardiovasculaires, Retraite.
- Adulte d'âge moyen, Australie, Coûts indirects de la maladie, Facteurs socioéconomiques, Femelle, Humains, Modèles économiques, Mâle, Pensions, Prévision, Simulation numérique, Sujet âgé.
- Wicri :
- geographic : Australie.
English descriptors
- KwdEn :
- Aged (MeSH), Australia (MeSH), Cardiovascular Diseases (economics), Computer Simulation (MeSH), Cost of Illness (MeSH), Female (MeSH), Forecasting (MeSH), Humans (MeSH), Income (trends), Male (MeSH), Middle Aged (MeSH), Models, Economic (MeSH), Pensions (MeSH), Retirement (economics), Retirement (trends), Socioeconomic Factors (MeSH).
- MESH :
- geographic : Australia.
- economics : Cardiovascular Diseases, Retirement.
- trends : Income, Retirement.
- Aged, Computer Simulation, Cost of Illness, Female, Forecasting, Humans, Male, Middle Aged, Models, Economic, Pensions, Socioeconomic Factors.
Abstract
BACKGROUND
Cardiovascular disease (CVD) has significant economic costs, however these are generally estimated for the present-time and little consideration is given to the long term economic consequences. This study estimates the value of savings those who retire early due to CVD will have accumulated by the time they reach the traditional retirement age of 65 years, and how much lower the value of these savings are compared to those who remained healthy and in the workforce.
METHODS
Using Health&WealthMOD - a microsimulation model of Australians aged 45 to 64 years, regression models were used to analyse the differences between the projected savings and the retirement incomes of people by the time they reach age 65 for those currently working with no chronic condition, and people not in the labour force due to CVD.
RESULTS
Over 99% of individuals who are employed full-time will have accumulated some savings at age 65; whereas only 77% of those who are out of the labour force due to CVD will have done so. Those who retire early due to CVD will have a median value of total savings by the time they are 65 of $1833. This is far lower than the expected median value of savings for those who remained in the labour force full-time, who will have $281841 of savings.
CONCLUSIONS
Not only will early retirement due to cardiovascular disease limit the immediate income and wealth available to individuals, but also reduce their long term financial capacity by reducing their savings.
DOI: 10.1016/j.ijcard.2010.10.046
PubMed: 21094552
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Rupendra" uniqKey="Shrestha R" first="Rupendra" last="Shrestha">Rupendra Shrestha</name></author><author><name sortKey="Passey, Megan" sort="Passey, Megan" uniqKey="Passey M" first="Megan" last="Passey">Megan Passey</name></author><author><name sortKey="Callander, Emily" sort="Callander, Emily" uniqKey="Callander E" first="Emily" last="Callander">Emily Callander</name></author><author><name sortKey="Percival, Richard" sort="Percival, Richard" uniqKey="Percival R" first="Richard" last="Percival">Richard Percival</name></author></titleStmt><publicationStmt><idno type="wicri:source">PubMed</idno><date when="2012">2012</date><idno type="doi">10.1016/j.ijcard.2010.10.046</idno><idno type="RBID">pubmed:21094552</idno><idno type="pmid">21094552</idno><idno type="wicri:Area/PubMed/Corpus">000159</idno><idno type="wicri:explorRef" wicri:stream="PubMed" wicri:step="Corpus" wicri:corpus="PubMed">000159</idno><idno type="wicri:Area/PubMed/Curation">000159</idno><idno type="wicri:explorRef" 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type="published">2012</date></imprint></series></biblStruct></sourceDesc></fileDesc><profileDesc><textClass><keywords scheme="KwdEn" xml:lang="en"><term>Aged (MeSH)</term><term>Australia (MeSH)</term><term>Cardiovascular Diseases (economics)</term><term>Computer Simulation (MeSH)</term><term>Cost of Illness (MeSH)</term><term>Female (MeSH)</term><term>Forecasting (MeSH)</term><term>Humans (MeSH)</term><term>Income (trends)</term><term>Male (MeSH)</term><term>Middle Aged (MeSH)</term><term>Models, Economic (MeSH)</term><term>Pensions (MeSH)</term><term>Retirement (economics)</term><term>Retirement (trends)</term><term>Socioeconomic Factors (MeSH)</term></keywords><keywords scheme="KwdFr" xml:lang="fr"><term>Adulte d'âge moyen (MeSH)</term><term>Australie (MeSH)</term><term>Coûts indirects de la maladie (MeSH)</term><term>Facteurs socioéconomiques (MeSH)</term><term>Femelle (MeSH)</term><term>Humains (MeSH)</term><term>Maladies cardiovasculaires (économie)</term><term>Modèles économiques (MeSH)</term><term>Mâle (MeSH)</term><term>Pensions (MeSH)</term><term>Prévision (MeSH)</term><term>Retraite (tendances)</term><term>Retraite (économie)</term><term>Revenu (tendances)</term><term>Simulation numérique (MeSH)</term><term>Sujet âgé (MeSH)</term></keywords><keywords scheme="MESH" type="geographic" xml:lang="en"><term>Australia</term></keywords><keywords scheme="MESH" qualifier="economics" xml:lang="en"><term>Cardiovascular Diseases</term><term>Retirement</term></keywords><keywords scheme="MESH" qualifier="tendances" xml:lang="fr"><term>Retraite</term><term>Revenu</term></keywords><keywords scheme="MESH" qualifier="trends" xml:lang="en"><term>Income</term><term>Retirement</term></keywords><keywords scheme="MESH" qualifier="économie" xml:lang="fr"><term>Maladies cardiovasculaires</term><term>Retraite</term></keywords><keywords scheme="MESH" xml:lang="en"><term>Aged</term><term>Computer Simulation</term><term>Cost of Illness</term><term>Female</term><term>Forecasting</term><term>Humans</term><term>Male</term><term>Middle Aged</term><term>Models, Economic</term><term>Pensions</term><term>Socioeconomic Factors</term></keywords><keywords scheme="MESH" xml:lang="fr"><term>Adulte d'âge moyen</term><term>Australie</term><term>Coûts indirects de la maladie</term><term>Facteurs socioéconomiques</term><term>Femelle</term><term>Humains</term><term>Modèles économiques</term><term>Mâle</term><term>Pensions</term><term>Prévision</term><term>Simulation numérique</term><term>Sujet âgé</term></keywords><keywords scheme="Wicri" type="geographic" xml:lang="fr"><term>Australie</term></keywords></textClass></profileDesc></teiHeader><front><div type="abstract" xml:lang="en"><p><b>BACKGROUND</b></p><p>Cardiovascular disease (CVD) has significant economic costs, however these are generally estimated for the present-time and little consideration is given to the long term economic consequences. This study estimates the value of savings those who retire early due to CVD will have accumulated by the time they reach the traditional retirement age of 65 years, and how much lower the value of these savings are compared to those who remained healthy and in the workforce.</p></div><div type="abstract" xml:lang="en"><p><b>METHODS</b></p><p>Using Health&WealthMOD - a microsimulation model of Australians aged 45 to 64 years, regression models were used to analyse the differences between the projected savings and the retirement incomes of people by the time they reach age 65 for those currently working with no chronic condition, and people not in the labour force due to CVD.</p></div><div type="abstract" xml:lang="en"><p><b>RESULTS</b></p><p>Over 99% of individuals who are employed full-time will have accumulated some savings at age 65; whereas only 77% of those who are out of the labour force due to CVD will have done so. Those who retire early due to CVD will have a median value of total savings by the time they are 65 of $1833. This is far lower than the expected median value of savings for those who remained in the labour force full-time, who will have $281841 of savings.</p></div><div type="abstract" xml:lang="en"><p><b>CONCLUSIONS</b></p><p>Not only will early retirement due to cardiovascular disease limit the immediate income and wealth available to individuals, but also reduce their long term financial capacity by reducing their savings.</p></div></front></TEI></record>Pour manipuler ce document sous Unix (Dilib)
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