Core Viewpoint - The long-term care insurance (LTCI) system in China is transitioning from local trials to a national framework, aiming to provide essential support for families dealing with long-term care needs due to aging or disability [1][2][3] Group 1: Implementation Progress - The LTCI system has been piloted for nine years and is now set for nationwide implementation, with various regions like Guizhou and Tianjin actively developing operational guidelines [2][4] - The National Healthcare Security Administration has issued a service project directory for LTCI, clarifying the payment scope and enhancing the system's design [2][3] - Regions such as Ningxia and Guizhou are establishing timelines for full coverage, with Guizhou aiming for a phased rollout by the end of 2025 [6][7] Group 2: Coverage and Benefits - As of 2023, approximately 1.8 billion people are enrolled in LTCI, with over 200,000 individuals receiving benefits, indicating a growing demand for care services [9] - The average monthly benefit for home care under LTCI is approximately 1,080.75 yuan, which helps alleviate financial burdens on families [7][8] - The system aims to cover a broader demographic, including unemployed urban residents, with a gradual increase in coverage expected over the next five years [13][14] Group 3: Funding Mechanisms - The LTCI funding model involves contributions from individuals, employers, and government subsidies, with a proposed rate of around 0.3% of income for sustainable financing [10][11] - In cities like Jingmen, the funding standard is set at 0.4% of the previous year's disposable income, with a combination of personal contributions and government support [10][12] - The LTCI system is designed to maintain a balance between personal, employer, and government contributions to ensure long-term viability [11][12] Group 4: Service Scope and Payment - LTCI services include essential daily care and medical support, with benefits varying based on the level of disability, ranging from 800 to 1,700 yuan per month [15][16] - The system is moving towards a model where funds are primarily used to pay for approved care services rather than direct cash payments to beneficiaries [16][17] - Future expansions may include coverage for smart care services and assistive devices as the system evolves [16][17]
失能的老人疲惫的子女,长护险终于来了
3 6 Ke·2025-09-28 00:33