Core Viewpoint - The article emphasizes the importance of long-term care insurance (LTCI) in addressing the needs of disabled elderly individuals, showcasing how it alleviates family burdens and enhances the quality of life for the elderly [3][4][9]. Group 1: Long-term Care Insurance Overview - LTCI in Yantai provides a comprehensive support network for disabled individuals and their families, significantly reducing the caregiving burden on families [3][4]. - The insurance covers various services, including medical care, nursing homes, and home care, with reimbursement rates reaching 6,000 to 7,000 yuan, which is substantial for many families [5][6]. Group 2: Service Implementation and Impact - The Yantai branch of China Life Insurance has developed a digital management system that ensures a closed-loop service process from enrollment to service delivery and quality supervision [5][10]. - In 2024, the LTCI program served 1,807 individuals, with total compensation amounting to 24.3971 million yuan, reflecting the program's positive impact on families [5][6]. Group 3: Funding and Accessibility - The funding for LTCI is sourced from various channels, including employee medical insurance, personal contributions, and government subsidies, ensuring affordability for participants [8]. - The program aims to cover all needy individuals, with special provisions for low-income and disabled populations, ensuring that no one is left behind due to financial constraints [8][9]. Group 4: Service Quality and Innovation - The Yantai LTCI program has established a collaborative service model with other insurance providers, ensuring consistent service quality across different regions [6][10]. - The introduction of personalized care plans and equipment rental services is being planned to further enhance service delivery and reduce costs for families [10].