我省退休职工需完成长护险代扣代缴授权

Core Viewpoint - The article emphasizes the importance for retired employees in Hainan to complete the authorization for the deduction and payment of long-term care insurance (LTCI) by January 20, 2026, to ensure uninterrupted coverage and benefits starting from that date [2][4]. Group 1: Long-term Care Insurance Implementation - Long-term care insurance has been officially implemented in Hainan, focusing initially on providing support for severely disabled insured individuals [2][3]. - Eligible individuals must have a disability status that lasts for more than six months and must apply for an assessment to receive benefits [2]. Group 2: Benefits and Coverage - The LTCI provides various services, including basic life care and medical care, covering home care, community care, and institutional care, with a total of 20 life care items and 16 medical care items included [2][3]. - Over 80% of the beneficiaries of the LTCI are elderly individuals, with retired employees being the primary beneficiaries [3]. Group 3: Payment Structure - Starting from January 2026, retired employees will pay LTCI premiums monthly, calculated at 0.15% of their average monthly basic pension from the previous year [3]. - For example, if the monthly basic pension is 4,000 yuan, the monthly premium would be 6 yuan [3]. Group 4: Authorization Process - The authorization for the deduction and payment can be completed through multiple convenient methods, including the "Hainan Medical Insurance" app, in-person visits to local social security offices, or online processing by family members [3]. - It is crucial for retired employees to complete this authorization by January 20, 2026, to avoid a waiting period for benefits [4].