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1 – 10 of over 3000David Bogataj, Valerija Rogelj, Marija Bogataj and Eneja Drobež
The purpose of this study is to develop new type of reverse mortgage contract. How to provide adequate services and housing for an increasing number of people that are dependent…
Abstract
Purpose
The purpose of this study is to develop new type of reverse mortgage contract. How to provide adequate services and housing for an increasing number of people that are dependent on the help of others is a crucial question in the European Union (EU). The housing stock in Europe is not fit to support a shift from institutional care to the home-based independent living. Some 90% of houses in the UK and 70%–80% in Germany are not adequately built, as they contain accessibility barriers for people with emerging functional impairments. The available reverse mortgage contracts do not allow for relocation to their own adapted facilities. How to finance the adaptation from housing equity is discussed.
Design/methodology/approach
The authors have extended the existing loan reverse mortgage model. Actuarial methods based on the equivalence of the actuarial present values and the multiple decrement approach are used to evaluate premiums for flexible longevity and lifetime long-term care (LTC) insurance for financing adequate facilities.
Findings
The adequate, age-friendly housing provision that is appropriate to support the independence and autonomy of seniors with declining functional capacities can lower the cost of health care and improve the well-being of older adults. For financing the development of this kind of facilities for seniors, the authors developed the reverse mortgage scheme with embedded longevity and LTC insurance as a possible financial instrument for better LTC services and housing with care in assisted-living facilities. This kind of facilities should be available for the rapid growth of older cohorts.
Research limitations/implications
The numerical example is based on rather crude numbers, because of lack of data, as the developed reverse mortgage product with LTC insurance is a novelty. Intensity of care and probabilities of care in certain category of care will change after the introduction of this product.
Practical implications
The model results indicate that it is possible to successfully tie an insurance product to the insured and not to the object.
Social implications
The introduction of this insurance option will allow many older adult with low pension benefits and a substantial home equity to safely opt for a reverse mortgage and benefit from better social care.
Originality/value
While currently available reverse mortgage contracts lapse when the homeowner moves to assisted-living facilities in any EU Member State, in the paper a new method is developed where multiple adjustments of housing to the functional capacities with relocation is possible, under the same insurance and reverse mortgage contract. The case of Slovenia is presented as a numerical example. These insurance products, as a novelty, are portable, so the homeowner can move in own specialised housing unit in assisted-living facilities and keep the existing reverse mortgage contract with no additional costs, which is not possible in the current insurance products. With some small modifications, the method is useful for any EU Member State.
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Ailsa Cameron, Eleanor K Johnson and Simon Evans
This paper explores residents' perceptions and experiences of extra care housing as an integrated model of housing with care.
Abstract
Purpose
This paper explores residents' perceptions and experiences of extra care housing as an integrated model of housing with care.
Design/methodology/approach
Data were collected in a longitudinal qualitative study based on four extra care housing schemes. Data from interviews with residents, care workers, managers and local commissioners were analysed thematically.
Findings
The integration of housing with care enabled many older people to manage their care proactively. However, the increasing number of residents with complex health and care needs, including chronic illness, led some residents to question the ability of the model to support residents to live independently.
Research limitations/implications
The study struggled to recruit sufficient residents from the specialist dementia setting who were able to communicate their consent to take part in the research. In addition, the quality of qualitative data collected in interviews with participants at this setting reduced over successive rounds of interviews.
Practical implications
The study suggests the need to ensure that residents are fully informed about levels of care and support is available when considering a move into extra care housing.
Originality/value
This paper provides a timely opportunity to consider extra care housing as an example of an integrated housing service, particularly in light of the current challenges facing the sector.
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Annie Wild, David Clelland, Sandy Whitelaw, Sandy Fraser and David Clark
The purpose of this paper is to present the findings of an early stage, exploratory case study of a proposed housing with care initiative (the Crichton Care Campus (CCC)). This…
Abstract
Purpose
The purpose of this paper is to present the findings of an early stage, exploratory case study of a proposed housing with care initiative (the Crichton Care Campus (CCC)). This sought the perspectives of a range of key stakeholders on the proposed model and how it might be best realised. The analyses of these findings show their relevance to debates on integrated housing with care, and reflect on the methodology used and its potential relevance to similar projects.
Design/methodology/approach
The study used a transactive planning approach, where grounded views are sought from a variety of stakeholders. A purposive sample identified informants from relevant health, social care and housing organisations and nine semi-structured interviews were conducted. These were transcribed and data analysis was undertaken on an “interactive” basis, relating care theory to empirical expressions.
Findings
The authors identify two contrasting orientations – inclusive “community-oriented” and professional “service-oriented”. This distinction provides the basis for a rudimentary conceptual map which can continue to be used in the planning process. Two significant variables within the conceptual map were the extent to which CCC should be intergenerational and as such, the degree to which care should come from formalised and self-care/informal sources. The potential to achieve an integrated approach was high with stakeholders across all sectors fully supporting the CCC concept and agreeing on the need for it to have a mixed tenure basis and include a range of non-care amenities.
Originality/value
This paper offers originality in two respects. Methodologically, it describes an attempt to undertake early stage care planning using a needs led transactive methodology. In more practical terms, it also offers an innovative environment for considering any approach to care planning that actively seeks integration – based on an acknowledgement of complexity, a variety of perspectives and possible conflicts. The authors propose that the concepts of “community-orientation” and “service-orientation” are used as a helpful basis for planning negotiations, making implicit divergences explicit and thus better delineated.
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Marit Støre-Valen and Ingrid Smistad
It’s a global challenge to make cities and communities become an age-friendly society. This paper aims to discuss how to develop good concepts for senior residences in Norway and…
Abstract
Purpose
It’s a global challenge to make cities and communities become an age-friendly society. This paper aims to discuss how to develop good concepts for senior residences in Norway and aim to study what the challenges are in the early planning phase, searching the answer to the following research questions: (1) What makes a senior housing attractive? (2) What are the challenges that hinder future concept development? (3) Suggest actions in order to obtain a sustainable development.
Design/Methodology/Approach
This research uses a descriptive and explorative approach describing the phenomena by (I) a short literature review describing existing concepts and challenges, (II) “Walk-through”-methodology with informal dialogue on site and (II) semi-structured interviews of property developers, architects or contractors, politicians, care providers or planners in the municipality involved in seven pilot projects in Kristiansand and Stavanger.
Findings
The authors find that new and diverse concepts need to be developed to meet the demand of the seniors. The new concepts should be developed in collaboration with both public and private actors as well as developing a communication platform to meet the needs of the seniors in terms understanding the possibilities of alternative housings, incentives to move and how to influence and get involved in the planning.
Research Limitations/Implications
There is a limited no. of informants among the public stakeholders. Only three of the seven pilot projects are accomplished. There is an advantage if the rest of the projects are evaluated when accomplished.
Practical Implications
Develop participation models and PPP models at the local level.
Originality/Value
The value lies in the evaluation of the seven pilot projects.
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This chapter discusses how media use changes when everyday life undergoes change, focusing on major life transitions. I briefly introduce different perspectives on evolving media…
Abstract
This chapter discusses how media use changes when everyday life undergoes change, focusing on major life transitions. I briefly introduce different perspectives on evolving media repertoires across the life course, and argue for the relevance of studying periods of destabilization and reorientation, when elements of media repertoires and modes of public connection are temporarily or more permanently transformed. I argue that easily adaptable media technologies such as smartphones tend to become more important in unsettled circumstances, as easy-to-reach for tools for new forms of self-expression, information-seeking or social contact, in accordance with shifting social roles and everyday circumstances. The primary empirical material analyzed in the chapter is a small qualitative interview study with mothers, about their media use the first year with a new-born.