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Logo of nihpaAbout Author manuscriptsSubmit a manuscriptHHS Public Access; Author Manuscript; Accepted for publication in peer reviewed journal;
 
Psychooncology. Author manuscript; available in PMC 2017 August 1.
Published in final edited form as:
Psychooncology. 2016 August; 25(8): 919–926.
Published online 2015 August 17. doi:  10.1002/pon.3933
PMCID: PMC4956573
NIHMSID: NIHMS796840

Financial Burden among US Households affected by Cancer at the End of Life

Abstract

Objective

Economic burden on families coping with end-stage cancer remains poorly understood. Advanced malignancy threatens financial stability of families and interventions are needed to buffer them from impoverishment. This study examined the relationship between subjective and objective assessments of financial burden on families (financial strain and stress, respectively); and identified potentially modifiable factors to inform intervention efforts.

Methods

Using national survey data, we analyzed responses from households that had recently experienced a cancer death; 176 of households provided information on financial strain; 158 provided data on financial stress. In addition to self-reported appraisals of financial burden, measures assessed elements of the cancer care experience, treatment, symptom burden, work impact, insurance coverage and demographics.

Results

Despite being well-insured, ~1/4 of respondents reported the cost of care was a major financial burden and a third used all or most of their savings. Financial strain and stress were moderately positively correlated (r = 0.46, p <.01). Higher financial stress scores were negatively correlated with decedent’s age at death (r=−0.34, p<.01) and minority respondents (“other” race) reported much higher financial stress (M=4.7; SD=3.2) than White (M=0.8; SD=1.4) or Black (M=1.6; SD=2.2) respondents (p<.001). Financial burden was also associated with no or limited insurance coverage, changes in employment, severe pain and nausea, and provider interactions during the cancer care experience (e.g., whether the MD paid attention to non-medical factors or having unanswered questions about medications) (p<.05 for all).

Conclusions

The cancer care experience, symptoms, and work impact were associated with financial burden and have important implications for research and practice.

BACKGROUND

End-of-life care in the United States is associated with high costs of care and related financial burden.[1] In fact, nearly a third of U.S. households affected by end-stage illness report having spent all or most of their savings on care-related expenses at the end of life, and a majority report feeling financially burdened.[2,3] Although previous studies have begun to describe the prevalence and correlates of economic burden at the end of life, our understanding about the complex interplay between care, health care coverage, and financial burden remains incomplete. Although economic stability has been linked with coping, health and well-being, financial burden on families affected by the death of a cancer patient remains understudied.[48] Moreover, the link between subjective and objective appraisals of economic burden at the end of life remains virtually unexplored.

For the purpose of this paper, financial burden is used as a broad term that denotes general economic hardship. Financial burden, however, also consists of two sub-concepts: (1) financial strain, which refers to subjective perceptions about financial burden; and (2) financial stress, which includes objective and practical aspects of financial burden, e.g., out-of-pocket expenses, lost wages, declarations of bankruptcy.[4,9,10] The conceptual distinction between these two variables is particularly relevant because heightened levels of financial strain has been observed by patients and families across the socio-economic spectrum.[4,9,10] Additionally, many dying patients express not wanting to burden their families financially, while family members often insist that financial matters are the least of their concerns.[11,12]

A recent systematic review of literature on financial stress and strain associated with terminal cancer resulted in only 13 studies conducted in the US.[3] All of the identified studies used some measure of financial stress, yet only four reported measures of financial strain – and none used a population-based sample. Based on the review, factors contributing to financial burden at the end of life include loss of income (e.g., reductions in work/job loss) for both the patient and family members, residential transitions, and increased burden of care.[3,8,10,11,13] Additionally, the presence of advance directives, end-of-life conversations with providers, and the election of palliative care services such as hospice, are associated with lower levels of financial burden.[3,14,15]

The cost implications of end-of-life care have in large part been evaluated in terms of savings for healthcare providers and insurers – but not families.[4,16] Informal caregivers, often spouses, play a primary role in providing care for patients with life-threatening illness.[17] Approximately a fifth of family caregivers provide full-time care, and the same proportion either quit a job or experiences major life transitions (e.g., relocating) to accommodate the patient’s care needs.[3] Nearly a third of caregivers spend most or all of their savings while providing care, [2,3] and the proportion is even higher among those dealing with high patient care needs.[11] Unfortunately, concerns about dwindling financial family resources are a barrier to care for patients with advanced illness[18] as patients may forego otherwise desirable treatments.[9,10,1921]

The purpose of this study was two-fold. First, we examined the relationship between financial strain and stress. Second, we provide a more complete, nuanced understanding of the drivers of financial burden at the end of life. In particular, we focus on aspects of care and the disease experience that are potentially modifiable to inform future intervention efforts aimed at reducing financial burden among families facing life-threatening illness.

METHODS

In 2006, the Kaiser Foundation, the Harvard School of Public Health and USA Today commissioned a survey of US households affected by cancer.[22] Using random-digit dialing of landline phones, a national probability sample was established of households within which a cancer diagnosis had occurred or been treated in the past five years. Telephone interviews were conducted with 930 respondents who consented and were eligible (response rate 51%). Among these respondents, 179 (19.2%) reported that their family member with cancer had died. One outlier was removed from the sample pool because the decedent’s age was 9 years old. From the remaining cases, two samples were constructed based on the main outcomes: financial strain and financial stress. With respect to financial strain, two cases were removed from the analysis because respondents did not provide information about this outcome, leaving a total working sample of 176 (98% of the decedent sample) for the analysis of financial strain. Due to missing items on the measure of financial stress, only 158 cases (88% of the decedent sample) had complete data and were included in the analysis of financial stress.

Measures

Financial Strain

Financial strain was evaluated using responses to the following survey item: “How much of a burden is the cost of overall medical care, including any services needed to cope with cancer?” 1=not a burden at all; 2=minor burden; 3=major burden.

Financial Stress

Financial stress was assessed using nine (1=Yes/0=No) responses to the following stem question: “Did any of the following things ever happen as a result of the financial cost of dealing with cancer?: (1) used up most of savings; (2) unable to pay for basic necessities like food, heat or housing; (3) borrowed money or got a loan or another mortgage on home; (4) borrowed money from relatives; (5) contacted by a collection agency; (6) declared bankruptcy (7) sought the aid of a charity or public assistance (8) lost health insurance and (9) couldn’t buy health insurance because of having cancer.” These nine items were summed (range 0–9) where a score of 9 indicating the highest possible financial stress. For this study, financial stress items elicited an internal reliability coefficient of.79.

Cancer Care Experience

Family members provided (Yes/No) data on whether: health professionals provided conflicting information during treatment; doctor(s) paid attention to non-medical factors; there was confusion about prescribed medications; important questions went unanswered; and duplicate tests/diagnostic procedures were performed.

Cancer Treatment

The survey also included information about four types of cancer treatment the decedent may have had: chemotherapy, radiation, prescription drugs related to cancer treatment, and/or surgery (Yes/No).

Symptoms

The severity of patient’s side effects to cancer treatment was also rated on a four-point scale ranging from 0=not severe at all to 3=very severe. Specific side-effects included pain, nausea, and stress/anxiety.

Insurance Coverage

Respondents also answered whether they were surprised to find that the limit of costs covered by the health insurance plan for cancer treatment was reached (Yes/No).

Effect on Income/Employment

Respondents were also asked whether the diagnosis/treatment of cancer caused someone in the household to: (a) be unable to work or perform usual activities; (b) lose/change a job or work fewer hours; (c) have a lower income; (d) suffer emotional or psychological problems; and (e) have severe strains with other family members (Yes/No).

Demographics

Respondents also provided information about their age, gender, race/ethnicity, income, education and marital status. Characteristics of the deceased were also elicited, including age, gender, relationship to the respondent, and health insurance. Regarding this latter variable, survey items for health insurance asked specifically about type of coverage for health care costs – not disability coverage for lost employment income.

Analysis

Descriptive statistics were computed for all demographic variables stratified by financial strain and stress. Using SPSS version 18.0, t-tests and Pearson χ2 goodness-of-fit tests were conducted to examine associations between fixed characteristics and measures of financial burden. Additionally, the relationship between the subjective and objective assessments of financial burden was investigated using Spearman’s correlation coefficient and visual scatterplot.

Primary analyses fit generalized linear models[23] to the two outcome variables: financial strain and financial stress. Multinomial logistic regression was applied to relate potential predictors to financial strain because this outcome variable did not meet the assumptions required for modeling proportional odds. Financial stress was a count variable and, thus, a Poisson regression model was used to identify potential predictors. A fully specified model of financial strain, which includes an adjustment for financial stress, is offered as an online appendix.

RESULTS

Descriptive Analysis

Tables 1 and and22 report sample characteristics stratified by measures of financial strain and stress. The majority of respondents in the full sample were female (60.8%) and White (84.7%) with a mean age of 55.9 years (SD=17.8). Decedents were on average older (67.8 years; SD=13.4) and male (55.1%). Over half of respondents (51.1%) indicated experiencing some financial strain, whether major or minor; and, on average, respondents reported dealing with at least one component of financial stress (M=1.1, SD=1.8). Using all or most of one’s savings was the most commonly reported component of financial stress (32%).

Table 1
Respondent Characteristics Stratified by Measures of Financial Stress and Strain
Table 2
Decedent Characteristics Stratified by Measures of Financial Stress and Strain

In terms of associations with financial strain, respondents from households in which the decedent was male (p=.043) were more likely to report minor financial strain than households in which the decedent was female. Additionally, respondents were more likely to report major financial strain when the decedent had no health insurance (p=.02) compared to decedents who had coverage. However, the type of insurance coverage was not associated with financial strain. Higher financial stress scores were negatively correlated with respondent’s age (r=−0.30, p<.01) and decedent’s age at death (r=−0.34, p<.01). Minority respondents who identified as “Other” race reported much higher financial stress (M=4.7; SD=3.2) than White (M=0.8; SD=1.4) and Black (M=1.6; SD=2.2) respondents (p<.001).

Respondents who were widowed had lower financial stress scores than respondents who were divorced/separated (p=.008). Also, spouses/partners of the decedent reported less financial stress than did children or parents of the decedent (p=.003). In terms of insurance type, those who answer that their decedents had Medicare also had lower financial stress scores than did decedents with no form of health insurance (p=.013). The potential confounding effect of age was found through the relationship between decedent’s age and financial stress scores.

The Relationship between Financial Stress and Strain

As expected, financial stress and strain are positively associated (r=0.46, p<.01; see Figure 1); however this relationship is only moderately strong. The r2 value indicates that financial stress explains 21% of variation seen in subjective financial strain.

Figure 1
The Relationship Between Financial Stress and Strain (N=158)

Primary Analysis

Results of the multinomial logistic regression showed differences related to the cancer care experience, symptoms, insurance coverage, and the cancer’s effect on income and employment (Table 3). Regarding the cancer care experience, having received conflicting information from oncology providers (p=.015), getting duplicative tests or diagnostic procedures (p=.002), and having had confusion about medication prescribed (p=.020) were significant correlates distinguishing reports of ‘major financial strain’ from reports of ‘no financial strain at all.’ In terms of cancer symptoms, respondents who observed the decedent having severe pain (p=.014) and nausea (p=.047) prior to death were, respectively, 6.66 times and 4.12 times more likely to report major financial strain. Regarding insurance coverage, respondents who reached the limits of the decedents’ insurance coverage were 21.23 times more likely to indicate major financial strain (p=.002) and 29.40 times more likely to report minor financial strain (p<.001) compared to no burden at all. In reference to the impact of the cancer on income and employment, respondents who had a loss or change of job in the household were 11.43 times more likely to express major financial strain (p=.002) and lower odds of being in the minor financial strain group by 73% (p=.017). Also, respondents reporting a lower household income were 16.11 times more likely to experience major financial strain (p<.001). Neither time since diagnosis nor type of health insurance were associated with either financial stress or financial strain.

Table 3
Illness-Related Factors Associated with Financial Strain and Stress among Households Affected by Cancer

Financial stress scores were significantly related to ‘doctor paid attention to non-medical factors’ (p=.025), ‘received conflicting information from providers’ (p<.001), ‘duplicate tests or diagnostic procedures’ (p<.001), ‘important questions went unanswered’ (p=.032), and ‘confusion about medication prescribed’ (p=.016). When respondents answered ‘no’ to these questions, they also tended to have lower scores of financial stress than those who indicated ‘yes’ – except with the item ‘doctor paid attention to non-medical factors.’ In terms of cancer treatment, households with decedents who did not receive radiation treatment had lower financial stress than others (p=.003). In regards to the effect of treatment, respondents of decedents who were able to work or go about usual activities had lower financial stress (p=.002). Severe pain (p=.003) and nausea (p=.015) in symptoms were significant correlates of financial stress, and having reached the limit of insurance coverage was also related to financial stress (p<.001). Moreover, respondents who did not experience loss or change of job in household and did not experience a reduction in household income had lower financial stress (p<.001).

CONCLUSIONS

Despite being well-insured, nearly a quarter of respondents in our sample reported the cost of care was a major financial burden and a third indicated using all or most of their savings. This suggests that end stage cancer is financially crippling for many US households. Based on our results, households with younger or minority (i.e., other race) cancer patients are especially at-risk for financial burden. Financial stress and strain were clearly linked to multiple elements of the cancer care experience, many of which involve communication between oncology care providers and families. Although financial stress and strain are indeed related (r=0.46, p<.01), they are not synonymous. A small portion of households (2%), for example, reported major financial strain, but no financial stress. As previous work suggests, it is possible that these families may be foregoing medical care in order to afford basic necessities.[9,10] Future intervention efforts may benefit by targeting both the affective elements of financial strain (e.g., feeling overwhelmed or emotionally distressed) and the pragmatic aspects of financial stress (e.g., medical debt, income loss).[9,10]

Interestingly, financial stress only explained 21% of the variance in financial strain. This corroborates previous work suggesting that these concepts, while related, are conceptually distinct.[9,10] In some cases elements of financial stress, while valid indicators of objective economic burden, may also provide families with a needed safety net to buffer against severe financial hardship. For example, behaviors, such as seeking aid from a charitable organization or getting a loan to deal with cancer-related costs, may provide households with a sense of needed relief and reduced financial strain. Additionally, the measure of financial stress did not capture current knowledge of financial status or respondent optimism, which may have been influential in the measure of financial strain.

Despite variations in the way these two concepts interface, results identified key factors related to financial burden that have important implications for research and practice. First, symptom burden during cancer treatment (i.e., presence of severe pain or nausea) is related to higher odds that the cost of care is a major burden. This lends support to the hypothesis that high quality pain and symptom management may not only improve quality of life, but lower out-of-pocket expenses as well. Alternately, the presence of severe pain, for example, may reflect costs associated with more advanced, complex and protracted disease. Future research is needed to isolate whether this relationship is a direct effect or whether confounders are at play.

Although respondents’ current household income was not statistically associated with either financial stress or strain, when cancer care impacted employment and household income, as expected, heightened levels of financial stress and strain were observed. For working age individuals, serious illness often involves a triple financial threat of: (1) the patient’s reduced ability to earn income; (2) the need for other family members to quit their job(s) or take time off to provide care; (3) and increased out-of-pocket expenses related to care.[24]

Based on our findings, insurance coverage is a very important protective factor that is strongly and consistently associated with reduced financial burden. Implementation of the Affordable Care Act (ACA) is changing the affordability and availability of health insurance in the US.[25] Although the full impact of the ACA is unknown, it appears to have provided several, much needed, improvements. For example, the law removed the dollar amount ceiling on covered care and benefits, while providing restrictions on out-of-pocket costs and deductibles.[25] That said, patients who are covered may still be financially responsible for significant co-pays and large deductibles – and certain treatments may not be covered under a given plan. Consequently, healthcare providers may work to reduce financial risks of insured patients by better informing them and their families about the costs, benefits and limits of their insurance coverage.

Households that had reached the limits of the decedent’s coverage were likely to report greater financial stress and strain. Safety nets and public assistance may help address the needs of families that have large deductibles, substantial copays, or minimal coverage. Future study is needed to better understand how to help those who have sub-optimal coverage. While few people would argue about the benefits of having health insurance, based on our findings, insurance coverage may also encourage patients/families to pursue expensive treatment options – options which may be difficult to discontinue once coverage ceases to pay, even when families cannot afford to pay the out-of-pocket expenses. For instance, households in which the deceased patient had received radiation treatment were more likely to report higher levels of financial strain. This may be indicative of gaps in coverage for radiotherapy. Alternatively, this may be indicative of protracted disease and extended periods of treatment as radiation is often a first line therapy for early stage cancer. Recent studies, however, suggest some cancer patients are being overtreated with radiation therapy.[26,27] Additionally, one study of older cancer patients receiving palliative radiation suggests financial burden may be hidden.[21] Thus, frank conversations about foregoing unnecessary radiation treatments may reduce financial burden on families, improve patient outcomes and lower costs to the healthcare system.

When doctors pay attention to non-medical factors such as social support and informal care networks, financial stress is lower. Although mobilizing natural support systems helps relieve some of the economic burden, this did not affect perceptions of financial strain on our sample. Duplicative tests or diagnostic procedures are associated with both financial stress and strain. The economic burden of redundant or unnecessary tests and procedures are well documented, both for families as well as payors. Clear communication with patients and families may help minimize economic problems for families. Respondents who reported receiving conflicting information, or did not get their questions answered, were more likely to report higher financial burden. Results may be indicative of costs associated with getting second opinions about a diagnosis or treatment options. There are a numerous of obstacles to good provider communication, however. Costs are not always readily apparent and communication about financial matters – especially within the context of treating life-threatening illness – is notoriously challenging. Intervention to minimize financial burden at the end-of-life must necessarily include strategies for cancer support professionals to broach this delicate issue in a tactful, empathetic and patient-centered manner.

Our results lend support for the National Comprehensive Cancer Network (NCCN) recommendations for distress screening in cancer patients, which includes screening for psychosocial needs. For example, the NCCN’s recommended Problem Checklist that accompanies the Distress Thermometer includes questions related to financial concerns, communication with the medical team, and understanding the illness and related treatment options. A comprehensive distress screening can facilitate open communication about financial burden and patient goals of care. Prompting such conversations may better inform patient-centered decision-making and guide interventions to address financial concerns.

Our findings should be considered with respect to our methodological and analytic limitations. The study relied on cross-sectional data, which limits the strength of our results in two ways. First, we are unable to establish direct causal links between selected predictor variables and financial stress or strain. Second, the lack of longitudinal data does not allow us to observe changes in respondent perceptions, or income levels, over time. Respondents may have been susceptible to social desirability bias as some respondents may have implicitly asserted that caring for their loved one was worth the cost regardless of expenses, treatment, or outcomes. Furthermore, data for this study were based on retrospective reports by bereaved respondents. Thus recall bias and psychological distress (e.g., grief) may have impacted responses. That said, outcomes were not associated with time since diagnosis. The generalizability of findings is also potentially limited by survey non-response, with a 51% response rate, and missing data, particularly with the measure of financial stress. To explore bias due to missing data on financial stress, we tested for differences in reported financial strain between those who had missing financial stress data (n=18) and those who had complete financial stress data (n=158). No statistically significant differences were identified (p=.567).

Although our measures of financial stress and strain have been in use for over two decades, translated into multiple languages, and tested/implemented with multiple diverse populations, [28,29] further validity testing is warranted to comprehensively evaluate their psychometric properties. Financial strain was operationalized using a single item with three response options. A wider range of response options would have improved potential for measurement variability and sensitivity. Additionally, respondents may have interpreted the item differently, since participants were not prompted with a definition of financial strain. Also, households that did not pursue treatments due to the expense may not have reported financial burden.[9] The measure of financial stress, which was evaluated using a cumulative count of affirmative responses to nine yes/no questions covering a range of potential stressors, was also limited. For example, this measure treated each of the nine items equally. Future research should examine the factor structure of this measure and consider allowing respondents to weigh the relative impact of each component of financial stress. Despite these limitations, our study uncovers key factors that may contribute to the financial burden associated with caring for a family member with terminal cancer – as well as potential targets for interventions to relieve such burden.

Our research builds upon previous research demonstrating that many families coping with terminal cancer are also dealing with substantial financial burden. While the ACA appears to be a step in the right direction, there is a dearth of clinical interventions to assist families with these economic concerns. Thus, there is a clear and pressing need to develop and test interventions to minimize financial burden on families coping with advanced cancer – and a truly holistic and patient/family-centered approach to care cannot neglect the economic impact of life-threatening illness on families.

Supplementary Material

Supp Info

Acknowledgments

The efforts of Drs. Cagle and Carr were supported in part by a T-32 training grant from the National Institute on Aging (NIA), 2T32AG000272-06A2. Dr. Cagle was additionally supported by NIA 5T32AG000212-19 and the National Palliative Care Research Center. The authors thank the Kaiser Family Foundation, USA Today, and the Harvard School of Public Health for their sponsorship of the original study and the Roper Center for use of their data. The authors would also like to thank Dr. Jolynn Pek for her guidance and consultation on the analysis.

Footnotes

The authors do not have any financial disclosures.

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