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 care system for this demographic [1][2]. Group 1: Long-term Care Insurance Overview - Long-term care insurance is a 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]. - The system allows eligible individuals to choose between receiving care at designated service institutions or having caregivers provide home care services [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 framework for funding, demand assessment, benefit payment, service provision, and management [2]. - As of June 2023, over 47,000 individuals in Ningbo have benefited from LTCI, with more than 6% of these being individuals under 60 years old with severe disabilities [3]. Group 3: Personal Impact and Professional Care - The article illustrates the personal story of a severely disabled individual, Wu Haoliang, who has benefited from LTCI, receiving 20 hours of home care services per month for a minimal annual fee [2]. - The care provided by trained professionals, such as caregiver Dai Xingdi, emphasizes the importance of specialized training and professional knowledge in delivering effective care and rehabilitation support [3].