让长护险照护安稳晚年（无影灯）

Core Viewpoint - The establishment of the long-term care insurance (LTCI) system is a significant decision to address population aging and improve social welfare, aiming to provide care and financial support for individuals who are disabled or elderly and require long-term care [2][3]. Group 1: Long-term Care Insurance System - The LTCI system was initiated in 2016, with pilot programs expanding to 49 cities by 2020, covering nearly 190 million people by the end of last year [2][3]. - Over 2.7 million disabled insured individuals have benefited from the LTCI, with total fund expenditures exceeding 85 billion [2]. - The LTCI has created approximately 300,000 jobs and attracted around 60 billion in social capital investment in related industries [2]. Group 2: Challenges and Innovations - The pilot programs have revealed challenges such as insufficient sustainable funding, lack of professional care workforce, and the need for improved technology integration [3]. - Some regions have innovated by achieving full coverage of LTCI despite financial constraints and have developed new care models like the "time bank" system [3]. - The establishment of a unified national LTCI system is essential for the welfare of millions of disabled individuals and requires collaborative efforts across society [3].