长护险如何购买、理赔？针对失能老年人有何便利举措？

Core Viewpoint - The long-term care insurance (LTCI) system in China is being expanded to address the needs of over 45 million disabled and dementia-stricken elderly individuals, aiming to alleviate the social issue of "one person disabled, the whole family unbalanced" [2]. Group 1: Long-term Care Insurance Implementation - The LTCI pilot program was initiated in 2016 and has expanded to 49 cities by 2020, achieving its phase goals over the past nine years [1]. - In Jin City, over 560,000 people are enrolled in the LTCI program, with 5,145 individuals receiving benefits and total fund expenditures exceeding 84 million yuan [2]. - Ningbo has over 8.3 million participants in the LTCI program, providing benefits to nearly 50,000 severely disabled individuals and their families [3]. Group 2: Service Coverage and Benefits - Jin City offers a combination of home and on-site care for eligible individuals, with applications accepted for those in a stable condition for over six months [2]. - In Qingdao, the LTCI system covers 9.39 million participants, with benefits linked to the individual's insurance category and disability assessment level [4]. - Qingdao's LTCI program includes reimbursement for medical service fees and living care costs, significantly reducing the financial burden on families [5]. Group 3: Specialized Services for Different Demographics - The LTCI program in Nanjing has introduced specialized services for low-age disabled children, extending rehabilitation services from institutions to home settings [7]. - The program includes 45 service items in Jin City, covering both basic living care and medical services, with high-frequency equipment rental costs included in the insurance coverage [6]. Group 4: Addressing Challenges in Accessibility - Nanjing is piloting direct payment for LTCI benefits for elderly individuals living in different locations, ensuring they receive timely services [8]. - The information system in Nanjing has been upgraded to facilitate online applications for disability assessments, with local service counters available for in-person assistance [9]. - Qingdao has implemented both online and offline application channels, including a user-friendly interface for elderly individuals to access LTCI services [10].