Establishing a National Unified Long-Term Care Insurance System:How Far Away?A Discussion on the Practical Exploration of 49 Pilot Cities
Establishing a long-term care insurance system not only spreads the risk of disability and provides financial compensation for care costs of the disabled elderly,but also stimulates the development of the caregiving service industry.In order to spread the risk to the greatest extent,adapt to the situation of large-scale population mobility,and make the system fair and inclusive,it is necessary to set up a nationally unified long-term care insurance system that adopts a unified financial model and payment method for all members of society.To this end,it is necessary to maintain the universality of the insured,adopt a defined contribution model,a payment method linked to contributions,and unified standards in disability assessment.However,the 49 pilot cities have deviated somewhat in practice from those theoretical requirements,affecting the consistency and sustainable development of the long-term care insurance system.In view of this,it is essential to face these gaps,insist on universal coverage,adopt a family account system,expand the coverage of beneficiaries and select a rate-payment system as well as encourage multiple professional players to carry out assessments in accordance with the unified disability standards and norms.
long-term care insurancedefined contributionfamily account systemnotional defined contribution schemesrate-payment system
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