经观头条｜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][4][10] - The LTCI is designed to alleviate the financial and emotional burdens on families caring for disabled individuals, with a focus on home care services [2][8][20] Policy Development - The LTCI system has been piloted for nine years and is now set for national rollout, with various regions like Guizhou and Tianjin actively developing implementation plans [4][5][7] - The National Medical Insurance Administration has issued a service project directory, clarifying the payment scope and enhancing the system's design [4][10] Financial Structure - The LTCI funding mechanism involves contributions from individuals, employers, and government subsidies, with a proposed low contribution rate of around 0.3% [13][15][18] - Current pilot cities have varying funding standards, with personal contributions typically between 100 to 200 yuan annually, and the government providing significant subsidies [16][19] Coverage and Benefits - The LTCI aims to cover a broad demographic, starting with urban employees and gradually including rural residents and retirees [17][18] - Benefits for eligible individuals include monthly subsidies ranging from 800 to 1700 yuan, depending on the level of care required [20][21] Service Expansion - The LTCI will expand to include home care services, allowing families to choose from a range of professional care options [20][21] - The system is expected to evolve to include smart care services and assistive devices in the future [21]