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Home » News » With Insurance Hurdles and Limited Funds, Many Caregivers Are Themselves At Risk

With Insurance Hurdles and Limited Funds, Many Caregivers Are Themselves At Risk

A new study reveals that people who care for others with a health problem or disability are more likely to neglect their own health. In particular, researchers discovered caregivers often do not have insurance or delay necessary health services due to cost.

“Caregivers provide tremendous benefits for their loved ones, yet they may be at risk for lacking access to needed services which puts their health in jeopardy,” said Jacob Bentley, Ph.D., of Seattle Pacific University, co-author of the study.

“We found that caregivers were more likely not to have health care coverage or forgo needed medical appointments and services. They were also at an increased risk for experiencing depression in their lifetime as compared with non-caregivers.”

The finding is important as more than 43 million adults in the U.S. function as caregivers each year, reports the national Alliance for Caregiving and the American Association of Retired Persons (AARP). The study focused solely on people who provided care to family and friends, not professional caregivers.

Study findings appear in the journal Rehabilitation Psychology.

“Informal caregiving provides enormous economic value to our society because if we were to replace informal caregiving with formal, paid caregiving services, it could cost the country upwards of $600 billion in wages for home health aides,” said Bentley.

“Despite the economic benefits for society and valuable assistance provided to care recipients, attention must also be given to caregivers’ own financial, physical and emotional challenges.”

The study used data from more than 24,000 people who participated in the 2015 Behavioral Risk Factor Surveillance System annual phone survey conducted by the U.S. Centers for Disease Control and Prevention. Most participants were white women under 65 earning between $10,000 and $70,000 per year. Half were employed, half were unemployed or retired.

Participants reported that they had provided regular care or assistance to a family member or friend with a health problem or disability within the 30 days prior to the survey. More than half of the participants provided care for up to eight hours a week, typically doing household tasks such as cleaning, managing money or preparing meals.

The vast majority indicated that they did not need support services, such as support groups or individual counseling, suggesting a need for additional research into alternative support services that are prioritized by caregivers, according to Bentley.

Participants were also asked if they had health insurance, if there was a time within the 12 months before the survey that they did not see a doctor because of the cost and if they had ever been diagnosed with a depressive disorder by a health care provider.

“Caregivers had a 26% higher risk of not having health care coverage, compared with non-caregivers, and they were at a significantly higher risk, a 59% additional risk, for not going to the doctor or getting a necessary health service due to cost, ” said Bentley.

Further, one-fourth of the caregivers reported that they had been diagnosed with a depressive disorder by a health care provider at some point during their lives, representing a 36% increased risk over non-caregivers, according to the study.

“Also, nearly 30% reported experiencing at least one limitation to daily activities because of physical, mental or emotional problems,” said Bentley.

Bentley and his colleagues believe that some of these disparities may be due to financial barriers experienced by caregivers. Previous research has indicated that their duties may interfere with their ability to seek employment outside of the home or advance their careers due to the need for flexible schedules to accommodate their caregiving responsibilities, he said.

“While we expected caregivers to be more at risk in these areas, we were concerned to learn of the extent of these risks and barriers to health care access encountered by caregivers,” said Bentley.

Source: American Psychological Association/EurekAlert

With Insurance Hurdles and Limited Funds, Many Caregivers Are Themselves At Risk

Rick Nauert PhD

Rick Nauert, PhDDr. Rick Nauert has over 25 years experience in clinical, administrative and academic healthcare. He is currently an associate professor for Rocky Mountain University of Health Professionals doctoral program in health promotion and wellness. Dr. Nauert began his career as a clinical physical therapist and served as a regional manager for a publicly traded multidisciplinary rehabilitation agency for 12 years. He has masters degrees in health-fitness management and healthcare administration and a doctoral degree from The University of Texas at Austin focused on health care informatics, health administration, health education and health policy. His research efforts included the area of telehealth with a specialty in disease management.

APA Reference
Nauert PhD, R. (2020). With Insurance Hurdles and Limited Funds, Many Caregivers Are Themselves At Risk. Psych Central. Retrieved on February 28, 2020, from https://psychcentral.com/news/2020/02/14/with-insurance-hurdles-and-limited-funds-many-caregivers-are-themselves-at-risk/153643.html
Scientifically Reviewed
Last updated: 14 Feb 2020 (Originally: 14 Feb 2020)
Last reviewed: By a member of our scientific advisory board on 14 Feb 2020
Published on Psych Central.com. All rights reserved.