启动长护险制度 织密失能人员保障网

Core Viewpoint - The establishment of a long-term care insurance (LTCI) system in Hebei Province aims to provide financial support and services for individuals with disabilities, enhancing the social security framework and addressing the needs of an aging population [1][2]. Group 1: Implementation Plan - The LTCI system will be rolled out in phases over three years, with full implementation expected by the end of 2028, prioritizing coverage for employed individuals, retirees, and flexible workers [1][3]. - The system aims for universal coverage, integrating urban and rural areas, ensuring fairness, safety, and sustainability [3]. Group 2: Funding Mechanism - Funding for the LTCI will be sourced from multiple channels, including individual contributions, employer payments, and government subsidies, with encouragement for social donations [3]. - For employed individuals, contributions will be shared between employers and employees, while retirees will contribute individually without employer involvement [3]. Group 3: Benefits and Services - Individuals must undergo a disability assessment to qualify for LTCI benefits, with a focus on supporting severe disability cases initially [4][5]. - The benefits will cover various care options, including home care, community care, and institutional care, with a payment structure linked to contributions [5].