Comment les médias (presse, radio, télévision) se sont-ils adaptés aux transformations des villes depuis plus de deux siècles ? Comment s'y sont-ils implantés, ont-ils contribué au rayonnement des ...villes et à définir les contours de l'espace qu'elles dominent ? Quels furent et quels sont encore les relations entre les journalistes et les pouvoirs urbains ? La complaisance des premiers à l'égard des seconds, tentés par le contrôle de l'information locale à des fins de propagande ou de communication, relève-t-elle du cliché ou est-elle fondée ? Telles sont quelques unes des questions posées par cet ouvrage qui s'applique à saisir le rôle des médias dans la construction des identités urbaines, en France, de la seconde moitié du xviiie siècle à nos jours. Au carrefour de deux domaines de recherche en plein renouvellement, ce livre associe à la réflexion d'historiens modernistes et contemporanéistes, l'analyse de spécialistes d'autres sciences humaines (sociologie, politologie, information et communication). Il dégage, au total, de vastes champs d'études et met en perspective des interrogations que brouille parfois une actualité trop brûlante.
We conduct a stated-choice experiment where respondents are asked to rate various insurance products aimed to protect against financial risks associated with long-term care needs. Using exogenous ...variation in prices from the survey design and individual cost estimates, these stated-choice probabilities are used to predict market equilibrium for long-term care insurance. We find that information frictions are pervasive. We measure the welfare losses associated with these three causes in a framework that also allows for selection. We show that information frictions reduce equilibrium take-up and lead to large welfare loss while selection plays little role.
We examine the different hypotheses which have been put forward to explain the low demand for long-term care insurance using the results from a survey of 2000 Canadians that was conducted in the ...autumn of 2016. Defining the natural market of long-term care insurance buyers as the one catering to individuals aged between 50 and 70, we find that a remarkable proportion of this natural market has never been approached to purchase such protection. We estimate that approximately 60% of this natural market is currently under-served. After eliminating risk perception and demand side explanations for the low market penetration of long-term care insurance, we conclude that supply-side factors and the crowding-out by government programs are the most likely culprits in explaining the low proportion of Canadians that purchase LTC insurance from private providers.
We examine the different hypotheses which have been put forward to explain the low demand for long-term care insurance using the results from a survey of 2000 Canadians that was conducted in the ...autumn of 2016. Defining the natural market of long-term care insurance buyers as the one catering to individuals aged between 50 and 70, we find that a remarkable proportion of this natural market has never been approached to purchase such protection. We estimate that approximately 60% of this natural market is currently under-served. After eliminating risk perception and demand side explanations for the low market penetration of long-term care insurance, we conclude that supply-side factors and the crowding-out by government programs are the most likely culprits in explaining the low proportion of Canadians that purchase LTC insurance from private providers.
Long Term Care Risk Misperceptions Boyer, Martin; De Donder, Philippe; Fluet, Claude ...
IDEAS Working Paper Series from RePEc,
01/2018
Paper
Open access
This paper reports survey evidence on long-term care (LTC) risk misperceptions and demand for long-term care insurance (LTCI) in Canada. LTC risk misperceptions is divided into three different risks: ...needing help for at least one activity of daily life, needing access to a nursing home, and living to be 85 years old. We contrast subjective (i.e. stated) probabilities with actual probabilities for these three dimensions. We first provide descriptive statistics of how objective and subjective probabilities differ and correlate to each other. Second, we study cross-correlations between different types of risks. We then study how risk misperceptions correlate with individual characteristics, and evaluate how misperceptions affect intentions and actual purchase of LTCI. Our conclusions are two-fold. First, we find that most subjects are not well informed about their individual LTC risks, making it difficult for them to take the correct LTCI decisions. Second, and even though misperceptions explain an individuals actual or his intentions to take-up LTCI, misperceptions are unlikely to explain the poor take-up rate of LTCI in our sample.
Long-term Care Risk Misperceptions M Martin Boyer; Fluet, Claude; Leroux, Marie-Louise ...
IDEAS Working Paper Series from RePEc,
01/2018
Paper
Open access
This paper reports survey evidence on long-term care (LTC) risk misperceptions and demand for long-term care insurance (LTCI) in Canada. LTC risk misperceptions is divided into three different risks: ...needing help for at least one activity of daily life, needing access to a nursing home, and living to be 85 years old. We contrast subjective (i.e. stated) probabilities with actual probabilities for these three dimensions. We first provide descriptive statistics of how objective and subjective probabilities differ and correlate to each other. Second, we study cross-correlations between different types of risks. We then study how risk misperceptions correlate with individual characteristics, and evaluate how misperceptions affect intentions and actual purchase of LTCI. Our conclusions are two-fold. First, we find that most subjects are not well informed about their individual LTC risks, making it difficult for them to take the correct LTCI decisions. Second, and even though misperceptions explain an individuals actual or his intentions to take-up LTCI, misperceptions are unlikely to explain the poor take-up rate of LTCI in our sample.
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