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Global Health Econ Sustain                                   Effects of community-based activities on LTC needs




            Table 3. IV‑Probit models of self‑assessed poor health
             Variables                            People living alone     People cohabitating with the other family members
                                           Self‑assessed poor health  ln (premium)  Self‑assessed poor health  ln (premium)
            LTC insurance premium (logged)       −1.228                          −1.593***
                                                 (0.770)                          (0.568)
            Gender (male=1)                     0.584***         0.124*           0.308**          0.257***
                                                 (0.171)        (0.0678)          (0.150)          (0.0197)
            Age                                  0.539**         0.0506           3.386**          2.363***
                                                 (0.219)        (0.0546)          (1.696)           (0.291)
            Age squared                        −0.00335***     −0.000426         −0.0411*          −0.0297***
                                                (0.00129)      (0.000345)        (0.0217)          (0.00369)
            Age cubed                                                            0.000164*        0.000123***
                                                                                 (9.11e-05)        (1.55e-05)
            Body mass index (BMI)               −0.00676        0.198***          0.0389           0.103***
                                                 (0.271)        (0.0501)          (0.110)          (0.0216)
            BMI squared                         0.000300       −0.00401***       −0.000579        −0.00226***
                                                (0.00564)       (0.00109)        (0.00246)         (0.000455)
            Dummy variable for daily drinking    0.236          0.425***          0.0476           0.109***
                                                 (0.503)        (0.0665)          (0.107)          (0.0190)
            Dummy variable for current smoking   0.236          −0.0709          −0.0679           −0.0656**
                                                 (0.341)        (0.0910)         (0.0965)          (0.0315)
            Poor mental health                   0.743**        0.00595          0.754***          -0.0374*
                                                 (0.303)        (0.0511)          (0.260)          (0.0201)
            Living with younger generation                                        0.247**          0.151***
                                                                                  (0.101)          (0.0169)
            Constant                             −9.566         6.830***         −76.32*           −52.15***
                                                 (13.87)        (2.185)           (39.22)           (7.622)
            Instrumental variables
            Dummy variable for a former smoker  0.182***                        −0.0699***
                                                (0.0695)                         (0.0220)
            ath rho                              0.684                            0.763*
                                                 (0.580)                          (0.443)
               2
            ln(σ )                              −0.723***                        −0.834***
                                                (0.0268)                         (0.0114)
            Wald test of exogeneity: Chi  (1)     1.39                             2.97
                              2
            Prob > Chi 2                         0.239                            0.085
            AR test for an endogenous variable: Chi  (1)  1.26                     3.08
                                      2
            Prob > Chi 2                         0.262                            0.079
            N                                     697             697             3,838             3,838
            Note: Standard errors in parentheses. ***p<0.01, **p<0.05, *p<0.1.

            4. Discussion                                      living alone have also reported interesting findings. In the
                                                               United  States,  older  adults  living  alone  are  less  likely  to
            In this study, we explored which community-based   use preventive care, such as routine physical check-ups,
            activities can reduce the LTC needs of older adults in   than those living with their spouses (Lau & Kirby, 2009).

            Japan. The previous studies focusing on elderly individuals   In Australia, older adults living alone were associated


            Volume 1 Issue 1 (2023)                         7                        https://doi.org/10.36922/ghes.0891
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