宏观观察2024年第39期（总第550期）：我国长期护理保险：意义、现状与建议＊

Group 1: Importance of Long-term Care Insurance - Long-term care insurance is crucial for addressing the needs of the aging population, particularly for the disabled elderly[2] - The number of disabled elderly individuals aged 60 and above reached 598,118, accounting for 2.34% of the total population in this age group[3] - The disability rate among the elderly increases with age, with rates of 0.69% for those aged 60, rising to 31.05% for those aged 100 and above[3] Group 2: Current Status and Trends - The proportion of the population aged 65 and above increased from 7% in 2000 to 15.4% in 2023, indicating rapid aging[4] - The number of disabled elderly individuals aged 60 and above grew by 14.97% from 2010 to 2020[4] - The long-term care insurance pilot program has expanded to 49 cities across 27 provinces, with significant achievements in establishing a unified system[19] Group 3: Recommendations for Improvement - There is a need for a multi-tiered long-term care insurance system that combines social insurance and commercial insurance[2] - Current issues include low funding levels and inconsistencies in funding principles and benefit standards across different regions[31] - Standardization of service methods and quality is necessary to ensure equitable access to care services[33]