长护险来了！

Core Insights - The long-term care insurance (LTCI) system in China is transitioning from local trials to a nationwide implementation, aiming to provide essential support for families dealing with long-term disabilities [3][9][10] - The LTCI is designed to alleviate the financial and emotional burden on families caring for disabled individuals, with a focus on home care services [2][7][19] Group 1: Implementation and Coverage - As of April 1, 2025, Karamay City will introduce home care services under the LTCI, expanding the existing care subsidy [2][7] - The LTCI system is expected to cover more individuals, with a clear timeline for nationwide rollout, including specific plans from regions like Guizhou and Ningxia [3][6][12] - The National Medical Insurance Administration has issued a service project directory for LTCI, refining the payment scope and service details [3][20] Group 2: Financial Structure and Contributions - The LTCI funding mechanism involves contributions from individuals, employers, and government subsidies, with a proposed rate of around 0.3% for contributions [12][14][15] - In Karamay, the LTCI premium for urban residents has significantly decreased from 342 yuan to 53 yuan, a reduction of 84.5% [15] - The funding structure aims to balance contributions among various stakeholders, including retired individuals who will also be required to contribute [17][18] Group 3: Service Scope and Benefits - The LTCI provides a range of services, including basic life care and medical support, with monthly subsidies varying based on the level of disability [19][20] - The introduction of home care services is expected to improve the quality of care for disabled individuals, reducing the burden on family caregivers [8][19] - The system is designed to adapt to the growing elderly population, with projections indicating that by 2024, 15.6% of the population will be aged 65 and above [8]