作为一项以社会互助共济方式筹集资金的社会保险制度，长护险将家庭难以承受的重担转化为社会多元 分担的责任，构建起"个人+医保+财政"的筹资机制，让专业照护从少数家庭可用的"奢侈品"，转变为大 多数家庭可负担的"公共产品"。2025年，镇江市长护险已覆盖所有职工和居民医保参保人员，年度内累 计为超1.8万名失能人员提供了保障。实践证明，好的制度设计能精准解决人们的困扰，赋予家庭走向 未来的底气。 除了长护险，破除养老难题还需更多制度创新。当前不少地方，护理人才紧缺仍是制约养老服务质量的 瓶颈，这就需要制度创新进一步向人才培育倾斜，通过培训补贴、薪酬提升、星级考核等方式，吸引更 多人加入护理行业。同时，要推动服务模式创新，打通服务"最后一公里"，让照护更便捷、更专业。 "养老服务的最终目标，就是支持每一位长者成为有尊严、有品质的生活者。"刘彤委员表示。制度创新 的目标应瞄准养老服务。从长护险的扩面提质到护理人才的培育激励，从居家服务的精准供给到异地照 护的便捷衔接，每一项制度创新都在为破除养老难题找出路。民生政策要与经济发展形成良性互动，既 破解家庭痛点，又激活银发经济新动能的养老制度才能扎根生长。 □ 孟亚生 省 ...

Group 1 - The rising costs of education in major cities are becoming a significant burden for families, with high prices for school district housing and additional expenses for tutoring and extracurricular activities [1][3] - The aging population in China is leading to increased challenges related to elder care, with difficulties in finding affordable and suitable nursing homes, adding to the stress of families who must balance work and caregiving responsibilities [3][5] - High medical expenses are a growing concern, with ordinary hospital visits costing hundreds of yuan, and serious illnesses leading to financial strain that can deplete savings or incur debt [5][7] Group 2 - Many families are financially stretched due to high mortgage payments, leaving little disposable income for emergencies, which significantly reduces their ability to withstand financial risks [5][7] - The current economic environment is challenging, particularly for the service industry, as consumers are more cautious with spending, impacting revenue generation [7] - The shift of many businesses to online platforms has intensified competition, making it harder for companies to generate profits despite potential cost savings [7]