多元筹资模式
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多元筹资让居民养老“底气十足”
Xin Lang Cai Jing· 2025-12-25 19:23
(来源:内蒙古日报) 转自:内蒙古日报 □本报记者 梅刚 "以前我每年只选最低档缴费,就怕给家里添负担,现在村集体经济按照每人7000元标准给予补贴,以 后领取的养老金也多了。"呼和浩特市玉泉区小黑河镇一间房村村民姜吉平感慨地说。 从单一到多元,从被动到主动,集体补助的发展路径更可持续。全区各级人社部门创新工作举措,针对 性推动集体补助向困难群体倾斜,并结合实际探索出定额补助、挂钩补助、叠加补助、倾斜补助等多样 化补助形式,群众获得感、幸福感持续提升。鄂尔多斯市等地通过"一村一策"宣讲会等方式,提高群众 知晓度和参与度;锡林郭勒盟通过"村集体补助+财政补贴+社会资助"模式,部分地区缴费金额连续两 年达到2000元/人;二连浩特市和乌海市实现了嘎查村补助标准逐步提升;乌兰察布市、呼伦贝尔市推 行"多缴多补"模式;呼和浩特市最高补助金额达到每人每年7000元;兴安盟积极推行符合补助条件村民 集体补助全覆盖;巴彦淖尔市实现乡镇集体补助全覆盖。 在赤峰市宁城县社会保险业务大厅,三座店乡西窝铺村村民李欣正给父亲李国杰办理城乡居民养老保险 社会资助业务。"孩子资助的钱也全部进入我的个人账户,我退休的待遇能提高不少。"李国 ...
长护险全面铺开仍需破解多重难题
Jin Rong Shi Bao· 2025-08-08 08:01
Core Insights - Long-term care insurance (LTCI) is seen as a crucial measure to address China's aging population, with 190 million people covered and over 2 million receiving benefits since the pilot program began in 2016 [1] Funding Challenges - The current funding model relies heavily on medical insurance funds and government subsidies, which increases the financial burden on medical insurance and raises concerns about sustainability [1] - A proposed multi-funding model includes government subsidies, medical insurance funds, personal contributions, and corporate support to mitigate financial risks and enhance responsibility among individuals and businesses [2] Service Supply Issues - There is a significant shortage of professional nursing services, with existing personnel often lacking adequate skills and the system failing to meet the actual needs of the elderly [1] - Recommendations include expanding nursing education, enhancing in-service training, and developing a comprehensive service system that integrates home, community, and institutional care [2] Standardization Barriers - The absence of a unified disability assessment standard leads to disparities in benefits across regions, necessitating the establishment of a national standard and a tiered pricing mechanism for nursing services [3] - The implementation of a national LTCI information platform is suggested to ensure comprehensive oversight of service delivery [3] Policy Coordination - There is a need for better integration between LTCI and other social security systems, such as pension and medical insurance, to improve the overall effectiveness of the LTCI program [2] - The National Healthcare Security Administration has indicated a commitment to developing a comprehensive LTCI system that aligns with China's national conditions and gradually covers the entire population [3]