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]