长护险托底，生活更添尊严（迈向“十五五”的民生图景）

Core Insights - The article highlights the importance of long-term care insurance (LTCI) in addressing the needs of elderly individuals with disabilities and dementia, emphasizing its role in enhancing the caregiving system and expanding rehabilitation and palliative care services [1] Group 1: Long-Term Care Insurance Overview - Long-term care insurance is a significant social insurance system in China aimed at providing care services for individuals who are unable to care for themselves due to aging, illness, or disability, recognized as the "sixth insurance" after five major social insurances [1] - Eligible individuals can choose to receive care services at designated institutions or through home care provided by these institutions [1] Group 2: Implementation in Ningbo - Ningbo has been a pilot city for LTCI since 2017, and in 2023, it expanded the coverage to include all age groups of insured individuals, establishing a comprehensive system for funding, demand assessment, benefit payment, service provision, and management [2] - An individual named Wu Haoliang, classified as a severe disability level I, pays only 30 yuan annually to receive 20 hours of home care services each month [2] Group 3: Impact on Individuals - The article illustrates the positive impact of LTCI on individuals like Wu Haoliang, who, despite facing severe health challenges, found hope and support through professional care services [2][3] - The professional caregivers, such as Dai Xingdi, play a crucial role in not only providing physical care but also in supporting the psychological well-being of the individuals they care for, highlighting the difference between professional care and family care [3] - Over 47,000 individuals in Ningbo have benefited from LTCI, with more than 6% of them being individuals under 60 years old with severe disabilities, showcasing the program's broad and inclusive nature [3]