Qi Lu Wan Bao·2025-06-25 13:13Core Insights - The aging population in China is increasing, leading to a rise in the number of disabled elderly individuals, which places a heavy burden on family caregiving and highlights the inadequacy of traditional social security models [1][3] - Long-term care insurance is essential for improving the quality of life for families and is a significant aspect of enhancing the social security system and promoting social harmony [1][3] Group 1: Long-term Care Insurance Implementation - The "Jining Long-term Care Insurance Main Urban Area Service Project" by China Life Insurance Shandong Branch has been recognized as a typical case in the "Good Financial Products - Elderly Care Finance" list [1] - China Life Insurance actively participates in the national long-term care insurance pilot program, focusing on serving local development and ensuring social stability [3] - As of May 2025, China Life Insurance Shandong Branch has covered over 7.3 million insured individuals through various long-term care insurance projects [3] Group 2: Jining's Long-term Care Insurance Model - Jining initiated its long-term care insurance pilot program in late 2018, expanding its scope and formalizing the implementation with the "Jining Long-term Care Insurance Implementation Measures" in 2023 [4] - China Life Insurance Jining Branch won the bid for the city's long-term care insurance project, covering 1.49 million insured residents [4] - The Jining Long-term Care Service Center was established with five functional areas to provide comprehensive services, officially opening on June 28, 2024 [4][6] Group 3: Service Quality and Community Engagement - The Jining Long-term Care Center employs a stratified management approach and has established mechanisms for policy communication and service evaluation [6] - The center collaborates with local health departments to form the Jining Long-term Care Association, enhancing community engagement and feedback collection [6] - As of May 2025, the center has processed over 18,900 registrations and conducted nearly 13,890 on-site disability assessments, significantly improving service accessibility for disabled individuals [7] Group 4: Impact on Families and Caregivers - The long-term care insurance policy has alleviated the burden on families, providing essential support for disabled individuals and enhancing their quality of life [8][9] - Families like that of Mr. Li have benefited from regular home visits by healthcare professionals, allowing caregivers to balance work and family responsibilities more effectively [8][9] - The insurance program aims to ensure dignified care for disabled elderly individuals while reducing the caregiving burden on their families [9]