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The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults

INTRODUCTION: A theory within the social epidemiology field is that financial stress related to having inadequate financial savings may contribute to psychological stress, poor mental health and poor health-related behaviours among low-income US adults. Our objective is to test whether an interventi...

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Autores principales: Basu, Sanjay, Hamad, Rita, White, Justin S, Modrek, Sepideh, Rehkopf, David H, Cullen, Mark R
Formato: Online Artículo Texto
Lenguaje:English
Publicado: BMJ Publishing Group 2015
Materias:
Acceso en línea:https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4606428/
https://www.ncbi.nlm.nih.gov/pubmed/26443663
http://dx.doi.org/10.1136/bmjopen-2015-009366
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author Basu, Sanjay
Hamad, Rita
White, Justin S
Modrek, Sepideh
Rehkopf, David H
Cullen, Mark R
author_facet Basu, Sanjay
Hamad, Rita
White, Justin S
Modrek, Sepideh
Rehkopf, David H
Cullen, Mark R
author_sort Basu, Sanjay
collection PubMed
description INTRODUCTION: A theory within the social epidemiology field is that financial stress related to having inadequate financial savings may contribute to psychological stress, poor mental health and poor health-related behaviours among low-income US adults. Our objective is to test whether an intervention that encourages financial savings among low-income US adults improves health behaviours and mental health. METHODS AND ANALYSIS: A parallel group two-arm controlled superiority trial will be performed in which 700 participants will be randomised to the intervention or a wait list. The intervention arm will be provided an online Individual Development Account (IDA) for 6 months, during which participants receive a $5 incentive (£3.2, €4.5) for every month they save $20 in their account (£12.8, €18), and an additional $5 if they save $20 for two consecutive months. Both groups will be provided links to standard online financial counselling materials. Online surveys in months 0 (prior to randomisation), 6 and 12 (6 months postintervention) will assess self-reported health behaviours and mental health among participants in both arms. The surveys items were tested previously in the US Centers for Disease Control and Prevention national health interviews and related health studies, including self-reported overall health, health-related quality of life, alcohol and tobacco use, depression symptoms, financial stress, optimism and locus of control, and spending and savings behaviours. Trial data will be analysed on an intent-to-treat basis. ETHICS AND DISSEMINATION: This protocol was approved by the Institutional Review Board of Stanford University (Protocol ID: 30641). The findings of the trial will be disseminated through peer-reviewed publication. TRIAL REGISTRATION NUMBER: Identifier NCT02185612; Pre-results.
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spelling pubmed-46064282015-10-22 The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults Basu, Sanjay Hamad, Rita White, Justin S Modrek, Sepideh Rehkopf, David H Cullen, Mark R BMJ Open Public Health INTRODUCTION: A theory within the social epidemiology field is that financial stress related to having inadequate financial savings may contribute to psychological stress, poor mental health and poor health-related behaviours among low-income US adults. Our objective is to test whether an intervention that encourages financial savings among low-income US adults improves health behaviours and mental health. METHODS AND ANALYSIS: A parallel group two-arm controlled superiority trial will be performed in which 700 participants will be randomised to the intervention or a wait list. The intervention arm will be provided an online Individual Development Account (IDA) for 6 months, during which participants receive a $5 incentive (£3.2, €4.5) for every month they save $20 in their account (£12.8, €18), and an additional $5 if they save $20 for two consecutive months. Both groups will be provided links to standard online financial counselling materials. Online surveys in months 0 (prior to randomisation), 6 and 12 (6 months postintervention) will assess self-reported health behaviours and mental health among participants in both arms. The surveys items were tested previously in the US Centers for Disease Control and Prevention national health interviews and related health studies, including self-reported overall health, health-related quality of life, alcohol and tobacco use, depression symptoms, financial stress, optimism and locus of control, and spending and savings behaviours. Trial data will be analysed on an intent-to-treat basis. ETHICS AND DISSEMINATION: This protocol was approved by the Institutional Review Board of Stanford University (Protocol ID: 30641). The findings of the trial will be disseminated through peer-reviewed publication. TRIAL REGISTRATION NUMBER: Identifier NCT02185612; Pre-results. BMJ Publishing Group 2015-10-06 /pmc/articles/PMC4606428/ /pubmed/26443663 http://dx.doi.org/10.1136/bmjopen-2015-009366 Text en Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions This is an Open Access article distributed in accordance with the terms of the Creative Commons Attribution (CC BY 4.0) license, which permits others to distribute, remix, adapt and build upon this work, for commercial use, provided the original work is properly cited. See: http://creativecommons.org/licenses/by/4.0/
spellingShingle Public Health
Basu, Sanjay
Hamad, Rita
White, Justin S
Modrek, Sepideh
Rehkopf, David H
Cullen, Mark R
The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title_full The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title_fullStr The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title_full_unstemmed The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title_short The EARN-Health Trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income US adults
title_sort earn-health trial: protocol for a randomised controlled trial to identify health effects of a financial savings programme among low-income us adults
topic Public Health
url https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4606428/
https://www.ncbi.nlm.nih.gov/pubmed/26443663
http://dx.doi.org/10.1136/bmjopen-2015-009366
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