"长护险制度是为失能人员的基本生活照料和与之密切相关的医疗护理提供服务或资金保障的社会保险 制度，是社会保障体系的重要组成部分，是继养老、医疗、失业、工伤、生育五大社会保险之后的'第 六险'。"省医保局有关负责人介绍。 建立长护险制度，具有四个方面意义：积极应对人口老龄化，保障失能人员长期护理基本需求，推进健 康老龄化；进一步健全社会保障体系、补齐民生短板的重大制度安排，建立政府、社会、家庭和个人共 同化解失能带来经济风险的制度机制，解除失能群众的后顾之忧；贯彻新发展理念，为养老服务业和健 康产业带来较为稳定的资金投入；弘扬孝悌忠信、孝老爱亲中华传统美德，推动形成尊敬老人、关爱老 人、赡养老人的良好社会风尚。 根据实施方案，制度建设总要求是：覆盖全民、统筹城乡、公平统一、安全规范、可持续。 （来源：河北新闻网） 转自：河北新闻网 河北省计划用三年时间分步推进长期护理保险（以下简称"长护险"）制度建设：2026年底前，全省各统 筹地区启动制度，优先覆盖单位职工、退休人员、灵活就业人员等群体；2027年底前，启动未就业城乡 居民参保缴费工作；2028年底前，基本建立适应河北省的长护险制度，实现政策体系统一规范、保 ...

Core Viewpoint - The article discusses the implementation and benefits of long-term care insurance in China, particularly focusing on its impact on elderly individuals with disabilities and their families, highlighting the financial and emotional support it provides [1][15][30]. Group 1: Long-term Care Insurance Implementation - Since 2016, long-term care insurance trials have been conducted in 49 cities across China, with nearly 190 million participants and over 100 billion yuan in funds raised by the end of 2024 [1][12]. - The insurance system, referred to as the "sixth social insurance," aims to establish a comprehensive care system for elderly individuals suffering from disabilities or dementia [1][30]. Group 2: Benefits for Families - The long-term care insurance provides financial support, such as a monthly subsidy of 1,077 yuan for care services, significantly reducing the economic burden on families [5][15]. - Families of disabled elderly individuals report improved emotional well-being and reduced stress due to the support from caregivers and the insurance system [5][13]. Group 3: Growing Demand and Workforce - The aging population in Chengdu, with over 20% of residents aged 60 and above, has led to an increasing demand for long-term care services [9][30]. - The number of long-term care service providers in Chengdu has expanded from 43 to 393, with nearly 8,000 professionals entering the field, indicating a growing workforce in this sector [21][30]. Group 4: Funding and Sustainability - The funding for long-term care insurance comes from personal contributions, employer contributions, and government subsidies, with specific amounts outlined for urban workers and rural residents [33][35]. - Future plans include adjusting contributions based on individuals' financial capabilities to ensure fairness in funding [33][35]. Group 5: Policy Coordination and Expansion - Chengdu is exploring collaborative policies with other departments to enhance the long-term care insurance system, including mutual recognition of assessments and services across regions [35][30]. - The goal is to create a more integrated and equitable long-term care insurance system that can adapt to the needs of various populations, including the unemployed and low-income families [35][30].