长护险托底，让生活更有尊严

Core Insights - Jiangsu province is leading in long-term care insurance (LTCI) with over 66 million participants, addressing the needs of an aging population and providing financial relief to families [1] - By 2025, 374,000 individuals in Jiangsu are expected to be covered, with cumulative fund payments exceeding 14.8 billion yuan [1] Group 1: Long-Term Care Insurance Impact - The LTCI program has significantly reduced the financial burden on families, with an average annual reduction of over 10,000 yuan for insured disabled individuals [3] - The program offers a range of services including assistance with eating, bathing, and toileting, which are covered by the LTCI fund, enhancing the quality of life for disabled individuals [3] - Jiangsu's LTCI has achieved a satisfaction rate of over 97% among beneficiaries, indicating effective service delivery and management [3][7] Group 2: Community and Institutional Support - The LTCI program has activated local healthcare resources, with many rural health facilities now offering LTCI services, thus addressing the dual challenges of patient outflow and care for disabled elderly [4] - In Xuzhou, the introduction of LTCI service areas in local health institutions has led to increased occupancy and revenue, benefiting both families and healthcare providers [4][5] - The program has spurred the development of the elderly care market, with nearly 2,800 designated LTCI care institutions and a workforce of 79,000 caregivers across the province [5] Group 3: Systematic Approach and Future Goals - Jiangsu's LTCI operates as an independent insurance type with distinct funding and regulatory frameworks, ensuring clarity and efficiency in service delivery [7] - The government aims to expand coverage to all urban and rural residents, enhancing the quality of the LTCI system [7][8] - Professionalization of caregivers is crucial for the sustainability of the LTCI program, with over 3,200 certified long-term care professionals currently in the province [7][8]