Matematični modeli financiranja socialne infrastrukture za izvajanje dolgotrajne oskrbe

In accordance with the »Operational Programme for the implementation of the European Cohesion Policy for the period 2014–2020«, as a key area Slovenia identified Promoting the availability of affordable, sustainable and high-quality services, including health and social services of general interest also for old and very old inhabitants. These services include the long-term care. The key issue which until now has not been answered is how to develop a quantitative model for measuring the quality of social care services for the elderly, and how to plan the facilities for needs of seniors which will be available in accordance with the demand. As stated in the Operational Programme, Slovenia does not have a compact system for regulation of long-term care. Services and rights are arising from the different existing systems - health, pension and disability insurance as well as from the social welfare system. Given the demographic structure and projections developed by European Commission and presented in The Ageing Report 2015, there is a need for reform that will enable the establishment of a uniform system of high-quality community-based services for ageing in place and for those that will need institution forms of care. Slovenia is preparing new legislation in the field of long-term care (LTC), which will have to take into consideration also a different type of facilities where LTC services will be provided. This will require the development of model for projections of needs and eligibility for integrated health and social services, LTC, monitoring of recipients of services and funds for LTC, and coordinating the development of integrated community-based services, as required in Operational Programme for the implementation of the European cohesion policy for the period 2014–2020 (European Commission, 2014). In the book, we shall develop a model for measuring the quality of the system of LTC, for which even the OECD documents state that has not yet been developed and show how the optimal policy requires higher dynamics of providing facilities for seniors. A more objective measuring instrument, based on an actuarial - mathematical methods will be presented. Thus, the objective of the boook is to present how to develop an actuarial model for determining the quality of care in different types of facilities in the system of LTC. The book will also present the proposal for model of collecting and processing data in the system of statistical reports relevant for the whole country, to better forecast the long-term needs of facilities for seniors with declining functional capacities. The core of the book describes a multiple decrement model embeded in housing and urban planning as a tool for better forecasting a housing market and housing needs of senior citizens with decreasing functional capacities and therefore changing housing needs on their lifetime horizon. The presented approach enables development of appropriate, flexible equity release schemes (ERS) and better management of cash flows related to the portfolio of residential properties in the context of ERS. The schemes are designed to allow elderly homeowners to convert the equity in their homes to the income and to keep the possibility to sell the property and move to the more appropriate dwelling under the same contract. In these ERS products homeowner can also keep the mathematical reserves for longevity insurance, based on the initial contract, when elderly homeowner moves and sells the initial residential property and buys a new one. Elderly homeowner also keeps his/her lifetime annuities if elderly homeowner finally sells the property and moves to the long-term care in a retirement home. The reverse mortgage schemes/longevity insurance is not tied to the single property as it is the case in the existing reverse mortgage products all over the world, but it is tied to the life of the senior homeowner.