“六险一金”来了！

Core Insights - The National Healthcare Security Administration announced that during the "14th Five-Year Plan" period, the Long-Term Care Insurance (LTCI) system will transition from pilot programs to a fully established system by 2025 [1] - The LTCI is designed to provide social insurance for individuals with long-term disabilities, covering basic living care and daily nursing services [3] Group 1: Long-Term Care Insurance Overview - LTCI is an independent insurance type, positioned as the sixth social insurance alongside pension, medical, unemployment, work injury, and maternity insurances [3] - The pilot program for LTCI began in 2016, with 49 cities participating, covering nearly 300 million people by the end of 2025, with fund expenditures exceeding 100 billion yuan [3] Group 2: Services and Coverage - LTCI primarily covers individuals in severe disability states, addressing their basic living care and medical nursing needs [5][6] - The service scope includes two main categories: living care (e.g., dietary care, hygiene care) and medical nursing (e.g., examination care, rehabilitation) [7] Group 3: Service Delivery and Payment Structure - Services are delivered through two formats: institutional care (in nursing homes) and home-based services (by professional caregivers) [8] - In Guangzhou, the payment structure involves contributions from both employers and employees, with no additional costs for employees under 35 years old [8] Group 4: Payment Standards and Implementation - The payment standards for LTCI in Meizhou include a maximum monthly payment for home care of 25 hours at a reimbursement rate of 75%, and institutional care reimbursement of up to 2000 yuan per month [10] - The implementation of LTCI in Qingyuan is set to begin on July 1, 2026, with premiums collected alongside employee medical insurance [11]