19 resultados para Savings and Loan Bailout, 1989-1995.
Resumo:
To compare the cost and effectiveness of the levonorgestrel-releasing intrauterine system (LNG-IUS) versus combined oral contraception (COC) and progestogens (PROG) in first-line treatment of dysfunctional uterine bleeding (DUB) in Spain. STUDY DESIGN: A cost-effectiveness and cost-utility analysis of LNG-IUS, COC and PROG was carried out using a Markov model based on clinical data from the literature and expert opinion. The population studied were women with a previous diagnosis of idiopathic heavy menstrual bleeding. The analysis was performed from the National Health System perspective, discounting both costs and future effects at 3%. In addition, a sensitivity analysis (univariate and probabilistic) was conducted. RESULTS: The results show that the greater efficacy of LNG-IUS translates into a gain of 1.92 and 3.89 symptom-free months (SFM) after six months of treatment versus COC and PROG, respectively (which represents an increase of 33% and 60% of symptom-free time). Regarding costs, LNG-IUS produces savings of 174.2-309.95 and 230.54-577.61 versus COC and PROG, respectively, after 6 months-5 years. Apart from cost savings and gains in SFM, quality-adjusted life months (QALM) are also favourable to LNG-IUS in all scenarios, with a range of gains between 1 and 2 QALM compared to COC and PROG. CONCLUSIONS: The results indicate that first-line use of the LNG-IUS is the dominant therapeutic option (less costly and more effective) in comparison with first-line use of COC or PROG for the treatment of DUB in Spain. LNG-IUS as first line is also the option that provides greatest health-related quality of life to patients.
Resumo:
Pensions together with savings and investments during active life are key elements of retirement planning. Motivation for personal choices about the standard of living, bequest and the replacement ratio of pension with respect to last salary income must be considered. This research contributes to the financial planning by helping to quantify long-term care economic needs. We estimate life expectancy from retirement age onwards. The economic cost of care per unit of service is linked to the expected time of needed care and the intensity of required services. The expected individual cost of long-term care from an onset of dependence is estimated separately for men and women. Assumptions on the mortality of the dependent people compared to the general population are introduced. Parameters defining eligibility for various forms of coverage by the universal public social care of the welfare system are addressed. The impact of the intensity of social services on individual predictions is assessed, and a partial coverage by standard private insurance products is also explored. Data were collected by the Spanish Institute of Statistics in two surveys conducted on the general Spanish population in 1999 and in 2008. Official mortality records and life table trends were used to create realistic scenarios for longevity. We find empirical evidence that the public long-term care system in Spain effectively mitigates the risk of incurring huge lifetime costs. We also find that the most vulnerable categories are citizens with moderate disabilities that do not qualify to obtain public social care support. In the Spanish case, the trends between 1999 and 2008 need to be further explored.
Resumo:
En los ejercicios de evaluación de la denominada “penalización urbana”, la mortalidad infantil y juvenil suele ser uno o de los indicadores más habituales. Disponer de indicadores relativos a sus condiciones de salud es más difícil. Una opción son los datos antropométricos. Este tipo de información abunda para las poblaciones adultas –especialmente las masculinas enroladas en los ejércitos- pero es más escasa para las infantiles. El propósito de este trabajo es contribuir al conocimiento de las condiciones de salud de este grupo de la población barcelonesa durante algo más de la primera mitad del siglo XX, a partir del estudio de un conjunto de 9 estadísticas antropométricas publicadas entre 1900 y 1961. A través de una reconstrucción estadística, mediante el empleo de las Tablas de Crecimiento de la población infantil española elaboradas por M. Hernández, E Sánchez y B.Sobradillo en 1995, se han estandarizado las tallas y comparado los Indices de Masa Corporal calculados a partir de las medidas publicadas. Los principales resultados son: a) La presencia de diferentes pautas en las trayectorias seculares de crecimiento de niños y niñas. El crecimiento de las tallas entre los niños fue de 1,09 cm por decenio entre 1898 y 1945 y de 1,40 entre 1945 y 1961. Mientras que en el caso de las niñas entre 1898 y 1945 fue de 0,14 cm por decenio para aumentar a 2,18 entre 1945 y 1981. b) Las diferencias sociales en los indicadores antropométricos persisten a lo largo del periodo estudiado c) Los porcentajes de población infantil con probable malnutrición se situaron en torno al 24 por ciento para las generaciones nacidas entre 1885 y 1940, para ir descendiendo de forma irreversible en las nacidas a partir de 1950. De este modo en la década años setenta del siglo XX no parece existir evidencia de tal estado en la población infantil barcelonesa.