Mortgage Delinquency and Changes in Access to Health Resources and Depressive Symptoms in a Nationally Representative Cohort of Americans Older Than 50 Years

TitleMortgage Delinquency and Changes in Access to Health Resources and Depressive Symptoms in a Nationally Representative Cohort of Americans Older Than 50 Years
Publication TypeJournal Article
Year of Publication2011
AuthorsAlley, DE, Lloyd, J, Pagán, JA, Pollack, CE, Shardell, M, Cannuscio, C
JournalAmerican Journal of Public Health
Volume101
Issue12
Pagination2293
KeywordsAccessibility, Adult children, Depressive symptoms, Employment and Labor Force, Health Conditions and Status, Healthcare, Housing, Income, Methodology, Net Worth and Assets
Abstract

We evaluated associations between mortgage delinquency and changes in health and health-relevant resources over 2 years, with data from the Health and Retirement Study, a longitudinal survey representative of US adults older than 50 years. In 2008, participants reported whether they had fallen behind on mortgage payments since 2006 (n=2474). We used logistic regression to compare changes in health (incidence of elevated depressive symptoms, major declines in self-rated health) and access to health-relevant resources (food, prescription medications) between participants who fell behind on their mortgage payments and those who did not. Compared with nondelinquent participants, the mortgage-delinquent group had worse health status and less access to health-relevant resources at baseline. They were also significantly more likely to develop incident depressive symptoms (odds ratio OR =8.60; 95 confidence interval CI =3.38, 21.85), food insecurity (OR=7.53; 95 CI=3.01, 18.84), and cost-related medication non-adherence (OR=8.66; 95 CI=3.72, 20.16) during follow-up. Mortgage delinquency was associated with significant elevations in the incidence of mental health impairments and health-relevant material disadvantage. Widespread mortgage default may have important public health implications. We evaluated associations between mortgage delinquency and changes in health and health-relevant resources over 2 years, with data from the Health and Retirement Study, a longitudinal survey representative of US adults older than 50 years. In 2008, participants reported whether they had fallen behind on mortgage payments since 2006 (n = 2474). We used logistic regression to compare changes in health (incidence of elevated depressive symptoms, major declines in self-rated health) and access to health-relevant resources (food, prescription medications) between participants who fell behind on their mortgage payments and those who did not. Compared with nondelinquent participants, the mortgage-delinquent group had worse health status and less access to health-relevant resources at baseline. They were also significantly more likely to develop incident depressive symptoms (odds ratio OR = 8.60; 95 confidence interval CI = 3.38, 21.85), food insecurity (OR = 7.53; 95 CI = 3.01, 18.84), and cost-related medication nonadherence (OR = 8.66; 95 CI = 3.72, 20.16) during follow-up. Mortgage delinquency was associated with significant elevations in the incidence of mental health impairments and health-relevant material disadvantage. Widespread mortgage default may have important public health implications.

URLhttp://ajph.aphapublications.org/doi/full/10.2105/AJPH.2011.300245
DOI10.2105/AJPH.2011.300245
Citation Key7659
PubMed ID22021301
PubMed Central IDPMC3222434