R. Insurance Module

Start of R. Insurance
 
R1

Health and health insurance are important areas of our study. You have already told us about Medicare, but there are many kinds of insurance that people use.

HEALTH AND HEALTH INSURANCE ARE IMPORTANT AREAS OF OUR STUDY. YOU HAVE ALREADY TOLD US ABOUT MEDICARE, BUT THERE ARE MANY KINDS OF INSURANCE THAT PEOPLE USE.
 
V1838

(STATE NAME FOR Medicaid) is a state program for people with low income or who are on public assistance. Sometimes people with very large medical bills are also covered by (Medicaid). Is your health care currently covered by (Medicaid)?

(STATE NAME FOR MEDICAID) IS A STATE PROGRAM FOR PEOPLE WITH LOW INCOME OR WHO ARE ON PUBLIC ASSISTANCE. SOMETIMES PEOPLE WITH VERY LARGE MEDICAL BILLS ARE ALSO COVERED BY (MEDICAID). IS YOUR HEALTH CARE CURRENTLY COVERED BY (MEDICAID)?

1 YES
5 NO
8 DK
9 RF
 
If (STATE NAME FOR Medicaid) is a state program for people with low income or who are on public assistance. Sometimes people with very large medical bills are also covered by (Medicaid). Is your health care currently covered by (Medicaid)? = 1 YES  »
 
   
 
V1839

Would you please give me the number from your Medicaid card? NUMBER AVAILABLE:

WOULD YOU PLEASE GIVE ME THE NUMBER FROM YOUR MEDICAID CARD? NUMBER AVAILABLE:

1 R WILLING - HAS CARD
2 R WILLING - KNOWS NUMBER
8 DK NUMBER
9 RF NUMBER
   
 
V1839A
   
V1848

Are you currently covered by any (other) government health insurance programs, such as Railroad retirement, CHAMPUS, CHAMPVA, or other military programs?

ARE YOU CURRENTLY COVERED BY ANY (OTHER) GOVERNMENT HEALTH INSURANCE PROGRAMS, SUCH AS RAILROAD RETIREMENT, CHAMPUS, CHAMPVA, OR OTHER MILITARY PROGRAMS?

1 YES
5 NO
8 DK
9 RF
 
If Are you currently covered by any (other) government health insurance programs, such as Railroad retirement, CHAMPUS, CHAMPVA, or other military programs? = 1 YES  »
 
   
 
R5

Which program is that?

WHICH PROGRAM IS THAT?

3 CHAMPVA/CHAMPUS
4 RAILROAD RETIREMENT
7 OTHER (SPECIFY) __________
8 DK
9 RF
   
V1859

Do you have any (other) type of health insurance coverage?

DO YOU HAVE ANY (OTHER) TYPE OF HEALTH INSURANCE COVERAGE?

1 YES
5 NO
8 DK
9 RF
 
If Do you have any (other) type of health insurance coverage? = 1 YES  »
 
   
 
V1865 A1-A4

What kind of coverage do you have? Is it basic health insurance, a supplement to Medicare (MEDIGAP) or to other health insurance, long-term care insurance, or what?

WHAT KIND OF COVERAGE DO YOU HAVE? IS IT BASIC HEALTH INSURANCE, A SUPPLEMENT TO MEDICARE (MEDIGAP) OR TO OTHER HEALTH INSURANCE, LONG-TERM CARE INSURANCE, OR WHAT?

1 BASIC HEALTH
2 MEDIGAP
3 OTHER SUPPLEMENTAL PLAN
4 LONG-TERM CARE
7 OTHER (SPECIFY) __________
8 DK
9 RF
   
 
V1866

How many different policies do you have (in addition to Medicare)?

HOW MANY DIFFERENT POLICIES DO YOU HAVE (IN ADDITION TO MEDICARE)?
   
 
If How many different policies do you have (in addition to Medicare)? = 1 »
 
     
   
R9

IF R HAS ONLY ONE HEALTH INSURANCE POLICY (R8=1): (Again, not counting Medicare,) How much do you pay for this policy? IF R HAS MORE THAN ONE HEALTH INSURANCE POLICY or DK or RF (R8>1): (Again, not counting Medicare,) Taken together, how much do you pay for these policies?

IF R HAS ONLY ONE HEALTH INSURANCE POLICY (R8=1): (AGAIN, NOT COUNTING MEDICARE,) HOW MUCH DO YOU PAY FOR THIS POLICY? IF R HAS MORE THAN ONE HEALTH INSURANCE POLICY OR DK OR RF (R8>1): (AGAIN, NOT COUNTING MEDICARE,) TAKEN TOGETHER, HOW MUCH DO YOU PAY FOR THESE POLICIES?
     
   
If IF R HAS ONLY ONE HEALTH INSURANCE POLICY (R8=1): (Again, not counting Medicare,) How much do you pay for this policy? IF R HAS MORE THAN ONE HEALTH INSURANCE POLICY or DK or RF (R8>1): (Again, not counting Medicare,) Taken together, how much do you pay for these policies? != (RF or DK) »
 
       
     
V1868

PER

PER

1 WEEK
2 2 X Month
3 MONTH
4 QUARTER
5 6 MONTH
6 YEAR
7 OTHER (SPECIFY) __________
8 DK
9 RF
       
   
If What kind of coverage do you have? Is it basic health insurance, a supplement to Medicare (MEDIGAP) or to other health insurance, long-term care insurance, or what? != 4 LONG-TERM CARE »
 
       
     
V1879

(Do any of your policies include long term or nursing home care?)

(DO ANY OF YOUR POLICIES INCLUDE LONG TERM OR NURSING HOME CARE?)

1 YES
5 NO
8 DK
9 RF
       
   
Else
 
       
     
V1880

Have you ever received payment under your long-term care policy?

HAVE YOU EVER RECEIVED PAYMENT UNDER YOUR LONG-TERM CARE POLICY?

1 YES
5 NO
8 DK
9 RF
       
     
V1879B
       
     
V1882

Does this plan increase payment with inflation?

DOES THIS PLAN INCREASE PAYMENT WITH INFLATION?

1 YES
5 NO
8 DK
9 RF
       
If NOT "NON-FINANCIAL R" »
 
   
 
V1884

IF R MARRIED or LIVING WITH PARTNER: My next questions are about life insurance. First I will ask about insurance on your own life, then about insurance on your (husband/wife/partner)'s life. Do you yourself have any life insurance, including individual or group policies from a former employer or union or some other source? IF R DIVORCED/SEPARATED or WIDOWED or NEVER MARRIED: My next questions are about life insurance. Do you have any life insurance, including individual or group policies from a former employer or union or some other source?

IF R MARRIED OR LIVING WITH PARTNER: MY NEXT QUESTIONS ARE ABOUT LIFE INSURANCE. FIRST I WILL ASK ABOUT INSURANCE ON YOUR OWN LIFE, THEN ABOUT INSURANCE ON YOUR (HUSBAND/WIFE/PARTNER)'S LIFE. DO YOU YOURSELF HAVE ANY LIFE INSURANCE, INCLUDING INDIVIDUAL OR GROUP POLICIES FROM A FORMER EMPLOYER OR UNION OR SOME OTHER SOURCE? IF R DIVORCED/SEPARATED OR WIDOWED OR NEVER MARRIED: MY NEXT QUESTIONS ARE ABOUT LIFE INSURANCE. DO YOU HAVE ANY LIFE INSURANCE, INCLUDING INDIVIDUAL OR GROUP POLICIES FROM A FORMER EMPLOYER OR UNION OR SOME OTHER SOURCE?

1 YES
5 NO
8 DK
9 RF
   
 
If IF R MARRIED or LIVING WITH PARTNER: My next questions are about life insurance. First I will ask about insurance on your own life, then about insurance on your (husband/wife/partner)'s life. Do you yourself have any life insurance, including individual or group policies from a former employer or union or some other source? IF R DIVORCED/SEPARATED or WIDOWED or NEVER MARRIED: My next questions are about life insurance. Do you have any life insurance, including individual or group policies from a former employer or union or some other source? = 1 YES  »
 
     
   
V1885

Are any of these term insurance policies? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES.

ARE ANY OF THESE TERM INSURANCE POLICIES? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES.

1 YES
5 NO
8 DK
9 RF
     
   
If Are any of these term insurance policies? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. = 1 YES  »
 
       
     
V1886

How many term insurance policies do you have?

HOW MANY TERM INSURANCE POLICIES DO YOU HAVE?
       
     
V1885B
       
     
If V1885B != (0 or 8 or 9) »
 
         
       
V1888

PER

PER

1 WEEK
2 2 X Month
3 MONTH
4 QUARTER
5 6 MONTH
6 YEAR
7 OTHER (SPECIFY) __________
8 DK
9 RF
         
     
V1885D
       
     
V1890 A1-A2

Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to you?) [IWER: CHOOSE ALL THAT APPLY]

WHO IS THE BENEFICIARY ON THIS POLICY, (THAT IS WHAT IS THE BENEFICIARY'S RELATIONSHIP TO YOU?) [IWER: CHOOSE ALL THAT APPLY]

1 SPOUSE/PARTNER
2 CHILD/CHILD-IN-LAW/GRANDCHILD
3 OTHER RELATIVE
4 SOMEONE ELSE
8 DK
9 RF
       
     
If Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to you?) [IWER: CHOOSE ALL THAT APPLY] = 1 SPOUSE/PARTNER »
 
         
       
V1891 A1-A6

(Which child is that?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: Which child of yours (or your (husband/wife/partner)) is the parent of that grandchild? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

(WHICH CHILD IS THAT?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: WHICH CHILD OF YOURS (OR YOUR (HUSBAND/WIFE/PARTNER)) IS THE PARENT OF THAT GRANDCHILD? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

2-21 CHILD NAME(S)
22 DECEASED
23 ALL MY CHILDREN
         
   
R15

Do you have any life insurance policies that build up a cash value or that you can borrow on? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE

DO YOU HAVE ANY LIFE INSURANCE POLICIES THAT BUILD UP A CASH VALUE OR THAT YOU CAN BORROW ON? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE

1 YES
5 NO
8 DK
9 RF
     
   
If Do you have any life insurance policies that build up a cash value or that you can borrow on? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE = 1 YES  »
 
       
     
V1894

How many such policies do you have?

HOW MANY SUCH POLICIES DO YOU HAVE?
       
     
V1895

How much (in total) do you pay in premiums on (this policy/all these policies)? 9996 NOTHING

HOW MUCH (IN TOTAL) DO YOU PAY IN PREMIUMS ON (THIS POLICY/ALL THESE POLICIES)?

9996 NOTHING
       
     
If How much (in total) do you pay in premiums on (this policy/all these policies)? 9996 NOTHING != (9996 or DK or RF) »
 
         
       
R15C

PER

PER

1 WEEK
2 2 X Month
3 MONTH
4 QUARTER
5 6 MONTH
6 YEAR
7 OTHER (SPECIFY) __________
8 DK
9 RF
         
     
V1897

How much would (this policy/all these policies) pay if you were to die?

HOW MUCH WOULD (THIS POLICY/ALL THESE POLICIES) PAY IF YOU WERE TO DIE?
       
     
V1898 A1-A2

Who is the beneficiary on (this policy/all these policies), (that is what is the beneficiary's relationship to you?) [IWER: CHOOSE ALL THAT APPLY]

WHO IS THE BENEFICIARY ON (THIS POLICY/ALL THESE POLICIES), (THAT IS WHAT IS THE BENEFICIARY'S RELATIONSHIP TO YOU?) [IWER: CHOOSE ALL THAT APPLY]

1 SPOUSE/PARTNER
2 CHILD/CHILD-IN-LAW/GRANDCHILD
3 OTHER RELATIVE
4 SOMEONE ELSE
8 DK
9 RF
       
     
If Who is the beneficiary on (this policy/all these policies), (that is what is the beneficiary's relationship to you?) [IWER: CHOOSE ALL THAT APPLY] = 2 CHILD/CHILD-IN-LAW/GRANDCHILD  »
 
         
       
R17

(Which child is that?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: Which child of yours (or your (husband/wife/partner)) is the parent of that grandchild? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

(WHICH CHILD IS THAT?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: WHICH CHILD OF YOURS (OR YOUR (HUSBAND/WIFE/PARTNER)) IS THE PARENT OF THAT GRANDCHILD? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

2-21 CHILD NAME(S)
22 DECEASED
23 ALL MY CHILDREN
         
 
If NOT "R DIVORCED/SEPARATED or WIDOWED or NEVER MARRIED" »
 
     
   
V1900

Does your (husband/wife/partner) have any life insurance, including individual or group policies?

DOES YOUR (HUSBAND/WIFE/PARTNER) HAVE ANY LIFE INSURANCE, INCLUDING INDIVIDUAL OR GROUP POLICIES?

1 YES
5 NO
8 DK
9 RF
     
   
If Does your (husband/wife/partner) have any life insurance, including individual or group policies? = 1 YES  »
 
       
     
V1901

Are any of these term insurance policies? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES.

ARE ANY OF THESE TERM INSURANCE POLICIES? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES.

1 YES
5 NO
8 DK
9 RF
       
     
If Are any of these term insurance policies? DEFINITION: TERM INSURANCE POLICIES HAVE NO VALUE UNLESS THE PERSON DIES. = 1 YES  »
 
         
       
V1901A
         
       
V1903

IF R'S SPOUSE/PARTNER HAS ONLY 1 TERM INSURANCE POLICY (R19a=1): About how much does your (husband/wife/partner) pay for that insurance? IF R'S SPOUSE/PARTNER HAS MORE THAN 1 TERM INSURANCE POLICY or DK or RF (R19a>1): About how much does your (husband/wife/partner) pay for the largest term insurance policy (he/she) has? [IWER: ENTER 0 IF NOT PAID FOR BY R OR SPOUSE]

IF R'S SPOUSE/PARTNER HAS ONLY 1 TERM INSURANCE POLICY (R19A=1): ABOUT HOW MUCH DOES YOUR (HUSBAND/WIFE/PARTNER) PAY FOR THAT INSURANCE? IF R'S SPOUSE/PARTNER HAS MORE THAN 1 TERM INSURANCE POLICY OR DK OR RF (R19A>1): ABOUT HOW MUCH DOES YOUR (HUSBAND/WIFE/PARTNER) PAY FOR THE LARGEST TERM INSURANCE POLICY (HE/SHE) HAS? [IWER: ENTER 0 IF NOT PAID FOR BY R OR SPOUSE]
         
       
If IF R'S SPOUSE/PARTNER HAS ONLY 1 TERM INSURANCE POLICY (R19a=1): About how much does your (husband/wife/partner) pay for that insurance? IF R'S SPOUSE/PARTNER HAS MORE THAN 1 TERM INSURANCE POLICY or DK or RF (R19a>1): About how much does your (husband/wife/partner) pay for the largest term insurance policy (he/she) has? [IWER: ENTER 0 IF NOT PAID FOR BY R OR SPOUSE] != (0 or DK or RF) »
 
           
         
V1901C
           
       
V1905

About how much would this policy pay if your (husband/wife/partner) were to die?

ABOUT HOW MUCH WOULD THIS POLICY PAY IF YOUR (HUSBAND/WIFE/PARTNER) WERE TO DIE?
         
       
V1906 A1-A2

Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to your (husband/wife/partner)?) [IWER: CHOOSE ALL THAT APPLY]

WHO IS THE BENEFICIARY ON THIS POLICY, (THAT IS WHAT IS THE BENEFICIARY'S RELATIONSHIP TO YOUR (HUSBAND/WIFE/PARTNER)?) [IWER: CHOOSE ALL THAT APPLY]

1 "R"
2 CHILD/CHILD-IN-LAW/GRANDCHILD
3 OTHER RELATIVE
4 SOMEONE ELSE
8 DK
9 RF
         
       
If Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to your (husband/wife/partner)?) [IWER: CHOOSE ALL THAT APPLY] = 1 "R" »
 
           
         
R21

(Which child is that?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: Which child of yours (or your (husband/wife/partner)) is the parent of that grandchild? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

(WHICH CHILD IS THAT?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: WHICH CHILD OF YOURS (OR YOUR (HUSBAND/WIFE/PARTNER)) IS THE PARENT OF THAT GRANDCHILD? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

2-21 CHILD NAME(S)
22 DECEASED
23 ALL MY CHILDREN
           
     
V1909

Does your (husband/wife/partner) have any life insurance policies that build up a cash value or that (he/she) can borrow on? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE

DOES YOUR (HUSBAND/WIFE/PARTNER) HAVE ANY LIFE INSURANCE POLICIES THAT BUILD UP A CASH VALUE OR THAT (HE/SHE) CAN BORROW ON? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE

1 YES
5 NO
8 DK
9 RF
       
     
If Does your (husband/wife/partner) have any life insurance policies that build up a cash value or that (he/she) can borrow on? DEFINITION: SOMETIMES CALLED, WHOLE LIFE, OR STRAIGHT LIFE = 1 YES  »
 
         
       
V1910

How many such policies does (he/she) have?

HOW MANY SUCH POLICIES DOES (HE/SHE) HAVE?
         
       
V1909B
         
       
If V1909B != (9996 or DK or RF) »
 
           
         
V1913

PER

PER

1 WEEK
2 2 X Month
3 MONTH
4 QUARTER
5 6 MONTH
6 YEAR
7 OTHER (SPECIFY) __________
8 DK
9 RF
           
       
V1909D
         
       
V1915 A1-A3

Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to your (husband/wife/partner)?) [IWER: CHOOSE ALL THAT APPLY]

WHO IS THE BENEFICIARY ON THIS POLICY, (THAT IS WHAT IS THE BENEFICIARY'S RELATIONSHIP TO YOUR (HUSBAND/WIFE/PARTNER)?) [IWER: CHOOSE ALL THAT APPLY]

1 "R"
2 CHILD/CHILD-IN-LAW/GRANDCHILD
3 OTHER RELATIVE
4 SOMEONE ELSE
8 DK
9 RF
         
       
If Who is the beneficiary on this policy, (that is what is the beneficiary's relationship to your (husband/wife/partner)?) [IWER: CHOOSE ALL THAT APPLY] = 2 CHILD/CHILD-IN-LAW/GRANDCHILD »
 
           
         
V1916 A1-A5

(Which child is that?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: Which child of yours (or your (husband/wife/partner)) is the parent of that grandchild? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

(WHICH CHILD IS THAT?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: WHICH CHILD OF YOURS (OR YOUR (HUSBAND/WIFE/PARTNER)) IS THE PARENT OF THAT GRANDCHILD? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

2-21 CHILD NAME(S)
22 DECEASED
23 ALL MY CHILDREN
           
 
R25

Individuals and families differ in the way they go about making decisions. When it comes to a major decision about a financial matter or where you will be living, are you (or your (husband/wife/partner)) usually the only one(s) making the decision, or are other people usually involved in making the decision?

INDIVIDUALS AND FAMILIES DIFFER IN THE WAY THEY GO ABOUT MAKING DECISIONS. WHEN IT COMES TO A MAJOR DECISION ABOUT A FINANCIAL MATTER OR WHERE YOU WILL BE LIVING, ARE YOU (OR YOUR (HUSBAND/WIFE/PARTNER)) USUALLY THE ONLY ONE(S) MAKING THE DECISION, OR ARE OTHER PEOPLE USUALLY INVOLVED IN MAKING THE DECISION?

1 OTHER INVOLVED IN MAKING DECISION
2 R/SPOUSE ONLY DECISION MAKER
8 DK
9 RF
   
 
If Individuals and families differ in the way they go about making decisions. When it comes to a major decision about a financial matter or where you will be living, are you (or your (husband/wife/partner)) usually the only one(s) making the decision, or are other people usually involved in making the decision? = 1 OTHER INVOLVED IN MAKING DECISION »
 
     
   
V1918

Are any of those other people family members?

ARE ANY OF THOSE OTHER PEOPLE FAMILY MEMBERS?


1 YES
5 NO
8 DK
9 RF
     
   
If Are any of those other people family members? = 1 YES  »
 
       
     
V1919 A1-A3

What relation are they to you (or your (husband/wife/partner))? [IWER: CHOOSE ALL THAT APPLY]

WHAT RELATION ARE THEY TO YOU (OR YOUR (HUSBAND/WIFE/PARTNER))? [IWER: CHOOSE ALL THAT APPLY]

2 CHILD/CHILD-IN-LAW/GRANDCHILD
3 OTHER RELATIVE
4 SOMEONE ELSE
8 DK
9 RF
       
     
If What relation are they to you (or your (husband/wife/partner))? [IWER: CHOOSE ALL THAT APPLY] = 1 »
 
         
       
R28

(Which child is that?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: Which child of yours (or your (husband/wife/partner)) is the parent of that grandchild? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

(WHICH CHILD IS THAT?) [IWER: CHOOSE ALL THAT APPLY] IF GRANDCHILD: WHICH CHILD OF YOURS (OR YOUR (HUSBAND/WIFE/PARTNER)) IS THE PARENT OF THAT GRANDCHILD? CHILD NAME(S) [DISPLAYED BY CATI FROM PREVIOUS RESPONSES]

2-21 CHILD NAME(S)
22 DECEASED
23 ALL MY CHILDREN
         
 
V1921

Do you have a financial advisor that helps make decisions?

DO YOU HAVE A FINANCIAL ADVISOR THAT HELPS MAKE DECISIONS?

1 YES
5 NO
8 DK
9 RF
   
End of R. Insurance