The economic impacts of caring for an older adult may be amplified for employed family and unpaid caregivers. We examine out-of-pocket spending among employed, retired, and unemployed caregivers. Among employed caregivers, we identify correlates of spending and assess whether spending and work productivity loss contribute to financial burden. Analyses use the 2015 National Health and Aging Trends Study (NHATS) and National Study of Caregiving. We find that employed caregivers incur more out-of-pocket spending on caregiving than retired and unemployed counterparts. Employed caregivers spending more than $500 out-of-pocket provide more hours of care and assist older adults with greater impairment. Among employed family caregivers, caregiver and care recipient Medicaid enrollment, spending, and work productivity loss are associated with financial burden. Findings suggest that caregiving exacerbates economic well-being among employed caregivers, particularly for those with socioeconomic vulnerability.

对于有工作的家庭和无偿看护者来说，照顾老年人的经济影响可能会被放大。我们调查了在职、退休和失业看护人的自付费用。在受雇看护者中，我们确定了支出的相关性，并评估支出和工作效率损失是否会导致经济负担。分析使用 2015 年全国健康和老龄化趋势研究 (NHATS) 和全国护理研究。我们发现，与退休和失业的护理人员相比，受雇护理人员在护理方面的自付费用更多。自付费用超过 500 美元的受雇看护者可提供更多的护理时间，并帮助有更大缺陷的老年人。在受雇的家庭看护者、看护者和看护接受者中，医疗补助登记、支出、和工作效率损失与经济负担有关。研究结果表明，看护会加剧受雇看护者的经济福祉，尤其是对于那些社会经济脆弱的人。