政策性长护险织密养老保障网之常州实践

Core Viewpoint - The implementation of the policy-based long-term care insurance (referred to as "long-term care insurance") is significantly alleviating the burden on families caring for disabled elderly individuals, especially in the context of China's aging population [1][5]. Group 1: Long-term Care Insurance Implementation - The long-term care insurance system was fully launched in Changzhou, Jiangsu Province, on January 1, 2022, after a three-year pilot program [1]. - As of June 2025, the long-term care insurance fund in Changzhou has disbursed 213 million yuan, benefiting a large number of residents [2]. Group 2: Service Structure and Benefits - The long-term care insurance supports a multi-tiered service system, including home care, nursing home care, and hospital care, with monthly payment caps of 1,500 yuan for severely disabled individuals and 900 yuan for moderately disabled individuals [2]. - Caregivers can receive a monthly living care subsidy of 600 yuan, enhancing the financial support for families [2]. Group 3: Funding and Operational Model - The funding mechanism for the long-term care insurance in Changzhou involves a shared responsibility model, with a uniform personal contribution of 30 yuan per year, supplemented by allocations from the medical insurance fund and fiscal subsidies [3]. - The operational model includes a "government-business cooperation" approach, with the Changzhou Medical Insurance Bureau responsible for policy formulation and China Pacific Insurance as the main contractor [3]. Group 4: Quality Control and Supervision - A dedicated auditing team conducts regular home visits and phone follow-ups to ensure service quality, supported by an online video inspection system for remote monitoring of caregivers [4]. - The establishment of the Changzhou Long-term Care Insurance Industry Association aims to address common challenges such as lack of coordination and talent shortages within the industry [4]. Group 5: National Expansion and Future Outlook - As of now, 49 cities in China are piloting long-term care insurance, covering approximately 190 million people, with total funding exceeding 100 billion yuan and expenditures surpassing 85 billion yuan [5]. - The issuance of the "Opinions on Accelerating the Establishment of a Long-term Care Insurance System" in July 2025 marks the beginning of a unified national system, with further implementation expected across various regions [5].