专访戴卫东：长护险试点已九年，“试而不定”困局待破|长护险扩围探路

Core Viewpoint - The long-term care insurance (LTCI) system, although not yet implemented nationwide, is anticipated to be rolled out across various regions due to the increasing aging population and the pressing need for care for disabled elderly individuals [1][2]. Group 1: Current Status and Progress - The LTCI system was initiated in 2016 and expanded to 49 cities by 2020, with coverage expected to reach 180 million people by the end of 2024, benefiting over 2.6 million disabled insured individuals and resulting in fund expenditures exceeding 80 billion yuan [1]. - The program has created approximately 300,000 jobs and attracted around 60 billion yuan in social capital investment [1]. Group 2: Challenges and Fragmentation - The LTCI system has faced challenges in nationwide implementation due to the "trial first" approach, leading to fragmentation in funding models, assessment standards, and coverage [2][3]. - Currently, over ten pilot cities only cover employees, excluding urban and rural residents, and there are six funding channels with 14 funding models, resulting in unclear funding responsibilities [3]. Group 3: Policy Recommendations for Nationwide Implementation - Key preparations for nationwide rollout include establishing a scientific top-level design that clarifies funding, benefits, and services, as well as fostering a coordinated approach among various government departments [4][5]. - There is a need to develop the care market by professionalizing caregivers and standardizing service institutions, while ensuring the integration of new and existing social security policies to avoid further fragmentation [4][5].