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Author: Keene, Danya
Resulting in 2 citations.
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Houle, Jason N. Keene, Danya |
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Getting Sick and Falling Behind: Health and the Risk of Mortgage Default and Home Foreclosure Presented: New Orleans LA, Population Association of America Annual Meeting, April 2013 Cohort(s): NLSY79 Publisher: Population Association of America Keyword(s): Debt/Borrowing; Foreclosure; Health, Chronic Conditions; Health/Health Status/SF-12 Scale Permission to reprint the abstract has not been received from the publisher. Recent studies suggest that poor health and inadequate health care may be important predictors of mortgage default and home foreclosure. However, to date no longitudinal, national research has examined these relationships. We expand on existing work by using nationally representative longitudinal data from the NLSY-79 to examine the relationship between poor health, becoming ill and the risk of mortgage default and foreclosure among middle-aged adults. We find that the onset of chronic conditions and health limitations are significant predictors of later mortgage default, expectation of mortgage default, and home foreclosure between 2007 and 2010. We find that these associations are partially mediated by changes in family income, savings, health insurance status and employment status. From a policy perspective, the strong link between poor health and foreclosure suggests a need to reexamine the safety-nets that are available to individuals who become ill or disabled. |
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Bibliography Citation
Houle, Jason N. and Danya Keene. "Getting Sick and Falling Behind: Health and the Risk of Mortgage Default and Home Foreclosure." Presented: New Orleans LA, Population Association of America Annual Meeting, April 2013. |
| 2. |
Houle, Jason N. Keene, Danya |
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Getting Sick and Falling Behind: Health and the Risk of Mortgage Default and Home Foreclosure Journal of Epidemiology and Community Health 69,4 (2015): 382-387. Also: http://jech.bmj.com/content/69/4/382.abstract?sid=8b9ec29c-7287-4dc1-ada8-779df5a2ae06 Cohort(s): NLSY79 Publisher: BMJ Publishing Group, Ltd. - British Medical Journal Publishing Group Keyword(s): Foreclosure; Health, Chronic Conditions; Health/Health Status/SF-12 Scale Permission to reprint the abstract has not been received from the publisher. Background: An emerging literature shows that mortgage strain can lead to poor health outcomes, but less work has focused on whether and how health shocks influence mortgage distress. We examine the link between changes in health status and default/foreclosure risk among older middle-aged adults. Method: We used National Longitudinal Study of Youth 1979 data and multivariate logistic regression models to examine the relationship between changes in health limitations and chronic conditions across survey waves and risk of mortgage default and foreclosure. Results: We found that changes in health limitations and chronic conditions increased the risk of default and foreclosure between 2007 and 2010. These associations were partially mediated by changes in family income and loss of health insurance. Conclusions: From a policy perspective, the strong link between the onset of illness and foreclosure suggests a need to re-examine the safety-nets that are available to individuals who become ill or disabled. |
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Bibliography Citation
Houle, Jason N. and Danya Keene. "Getting Sick and Falling Behind: Health and the Risk of Mortgage Default and Home Foreclosure." Journal of Epidemiology and Community Health 69,4 (2015): 382-387.
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