Table 4.

Lifetime nursing home use and associated out-of-pocket spending by individual characteristics based on parametric models, from ages 57–61

	Any lifetime use			No. of nights in nursing home			Out-of-pocket spending (2013 dollars)
Characteristics	Percent	Lower	Upper	Mean	Lower	Upper	Mean	Lower	Upper
Female	64.1	61.9	66.8	301	277	328	8,126	7,260	8,940
Male	50.6	47.8	52.6	141	127	165	4,080	3,662	5,174
White	58.5	56.6	60.5	222	206	242	6,642	6,016	7,342
Nonwhite	52.0	49.7	57.0	243	205	285	3,072	2,350	4,541
<HS	50.2	49.0	55.2	205	193	246	3,497	3,271	4,824
HS	59.9	57.6	63.7	236	211	268	6,752	5,920	7,806
College	60.5	56.0	61.6	228	180	243	7,518	6,314	8,418
No children	59.0	52.6	67.7	279	211	368	8,943	4,751	9,604
1–3 children	59.3	57.8	61.6	233	210	256	6,422	5,879	7,445
4+ children	55.2	51.7	57.9	206	189	245	5,532	4,898	6,439
Never smoker	64.7	61.4	67.6	277	245	315	8,003	6,795	8,707
Smoker	53.7	51.7	56.2	196	182	214	5,180	4,849	6,141
Not married at 50	59.4	57.3	64.2	276	245	314	5,848	4,859	7,028
Married at 50	57.4	55.2	59.2	216	197	234	6,265	5,687	7,119
No daughters	56.2	54.3	63.4	236	221	303	6,710	5,834	8,828
Has daughters	58.0	55.7	59.5	223	202	238	6,094	5,473	6,699

“No. of nights in nursing home” means average nights spent in a nursing home over the lifetime beginning at ages 57–61. “Spending” means lifetime out-of-pocket spending on nursing homes discounted to age 57 at a 3% real interest rate, expressed in 2013 dollars. “Lower” and “Upper” mean the lower and upper bounds of the 95% confidence intervals. “Characteristics” are recorded at age 50, e.g., “smoker” means an individual was or had been a smoker at age 50.