2026年1月1日起，社保五险变六险，到手工资有变

Core Viewpoint - The implementation of long-term care insurance (LTCI) is gaining traction across various regions in China, with specific guidelines and payment structures being established to support the aging population and those with disabilities [1][8][20]. Group 1: Implementation and Coverage - As of January 1, 2026, Hainan will officially implement long-term care insurance, following the issuance of a management plan by the provincial government [1]. - Qinghai has announced the establishment of a long-term care insurance system, effective December 1, 2025, to address the care needs of the elderly [8][9]. - Multiple cities, including Yunnan and Jiangxi, are in the process of drafting and soliciting opinions on their long-term care insurance implementation plans [11][14]. Group 2: Contribution Standards - For employees, the contribution rate for long-term care insurance is set at 0.3%, shared equally between employers and employees at 0.15% each, based on the same payment base as basic medical insurance [4][13]. - Retired individuals will also contribute at a rate of 0.15%, calculated based on their basic pension [4][16]. - Residents will initially contribute 0.15% of the previous year's per capita disposable income, with a gradual increase to a unified national rate of 0.3% over five years [4][17]. Group 3: Eligibility and Benefits - Individuals who have paid into the insurance and have been in a state of severe disability for over six months can apply for benefits, with the scope of coverage expected to expand gradually [5]. - The insurance covers various care services without a deductible, with reimbursement rates of approximately 70% for employees and 50% for residents [6]. - Monthly benefit caps for home care are set at 1,449 yuan for employees and 1,190 yuan for residents, with different amounts for community and institutional care [7]. Group 4: Current Participation - By the end of 2024, nearly 188 million people across 49 pilot cities are expected to participate in long-term care insurance, with 1.4625 million individuals already receiving benefits [20]. - Cities like Chongqing, Ningbo, and Chengdu have already implemented long-term care insurance, with specific contribution standards and coverage details outlined [20][26][29].