中央经济工作会议提出，推行长期护理保险制度。长护险按下"加速键"，未来如何进阶？在各地实践探 索中，科学设定服务范围，精准评估适用人群始终是工作重点。既不落一人，也不贪多求全。各地严格 评估并确定失能人员范围，通过社区工作人员与专业医护人员上门评估、社区公示名单等流程，让真正 有需要的人获得服务。同时，在保护失能人员和护理员隐私的前提下，引入科技手段进行监管，定期回 访失能人员家庭，确保长护险服务保质保量，避免长护险基金"跑冒滴漏"。 长护险也要考量地区差异、跨区域互认等问题。比如，随着老龄化程度加深和人口流动加快，失能者随 亲人在异地居住后难以享受长护险待遇的问题日益凸显，存在"参保地在原地、服务需求在异地"的矛 盾。又如，全国范围内的长护险失能评估互认还存在障碍。解决好这些问题，才能推动长护险更好发 展。 "十五五"时期，长护险将从试点转向全面建制，逐步覆盖所有参保人。多方协同完善制度设计，促进长 期照护产业发展，加大长护人才培养力度，发挥好商业保险机构作用……让更多失能人员获得专业照 护，同时也使背负照护重担的家庭得以"喘息"。这不仅是"小家"的期盼，更是"大家"的奋斗目标。 (责任编辑：孟茜云) 近期 ...

长护险在全面落地过程中，面临筹资难等诸多难题。专家建议，通过多元筹资机制缓解长护险基金 压力，引导个人、用人单位与商业保险合理分担风险。 4500万，这是国家卫健委公布的我国失能失智老人数量。 对于这些家庭而言，长期照护的重担不仅是老人难以释怀的心结，也让子女的生活重心失衡。在这 样的背景下，被称为社保"第六险"的长期护理保险（下称"长护险"）应运而生，目前已在全国49个城市 开展试点。 而这仅仅是个开始。"十五五"规划建议明确提出，要"推行长期护理保险，健全失能失智老年人照 护体系，扩大康复护理、安宁疗护服务供给"；中央经济工作会议在部署2026年经济工作重点任务时也 提到，要"推行长期护理保险制度"。 政策东风已至，但从局部试点迈向全面落地，长护险依旧任重道远。 "以前每个月送母亲去医院换导尿管，就像'掉一层皮'。"魏美芬家人感慨道，如今专业护理服务送 到家，家庭负担大大减轻。 作为我国积极应对人口老龄化、健全社会保障体系的关键制度安排，长护险通过政府主导的责任共 担机制，将家庭照护责任扩大为社会化互助共济，依托多方资源协同供给照护服务，为失能家庭筑起了 托举生命尊严的保障防线。 2025年，多项长护险配 ...

制度保障网的日渐织密，为长护险的持续发展奠定了坚实基础。从2016年首批15个城市试点，到如今持 续扩面，长护险的探索步伐坚定有力。长护险从"稳步推进"到"加快建立"，目前已初步形成覆盖多种场 景的服务供给模式。 长护险不仅是一项重要的保障制度，还是培育银发经济、服务发展大局的抓手。它带来的不仅仅是对失 能家庭的服务与保障，更深刻地改变了许多人的职业轨迹。曾经被一些人视为"伺候人"的养老护理工 作，如今已逐渐发展成为一项有技术、有尊严的专业。比如，长期照护师这一新职业工种已经被纳入国 家职业体系，吸引了越来越多年轻人的加入。 （来源：工人日报） 12月22日，2025年全国长期护理保险高质量发展大会在浙江宁波召开。会上透露，这项被称为社保"第 六险"的制度，已覆盖全国约3亿人，累计惠及超330万名失能群众，年人均减负1.2万元，基金支出超千 亿元。（见12月26日《工人日报》） 近年来，"一人失能、全家失衡"成为众多家庭难以承受之重。长护险的探索与实践，照亮了失能家庭前 行的道路，更在繁荣养老照护产业、推动社会文明进步方面展现出巨大潜力。 长护险通过政府主导的责任共担机制，将家庭照护责任转化为社会化互助共济， ...

Core Insights - The "National Long-term Care Insurance Service Project Directory (Trial)" will be implemented in Kunming starting January 1, 2026, marking a significant step in the long-term care insurance (LTCI) initiative [1] - Kunming is the only pilot city for LTCI in Yunnan Province and the second batch of pilot cities nationwide, with coverage reaching 2.3567 million people and providing support to 28,002 disabled insured individuals as of November 30, 2025 [1] - A specialized training session was held on December 24-25 to ensure smooth implementation of the service directory, focusing on precise execution of national standards and enhancing local service supervision [1] Training and Implementation - The training aimed at medical insurance agencies and involved key personnel from various districts, emphasizing authoritative interpretation and practical exchanges regarding the service directory [1] - On December 25, the training specifically targeted over 400 staff members from more than 230 designated service institutions in Kunming, highlighting the importance of professional and standardized service delivery [1] - Expert Huang Xiaoyan provided insights on the regulatory focus of nursing service projects, detailing the applicable scope, operational norms, and service standards within the service directory [2]

Core Insights - The establishment of a robust professional care service system is essential for the effective implementation of long-term care insurance (LTCI) policies, which aim to meet the specialized care needs of disabled individuals [1] Group 1: Development of Professional Care Institutions - Qingdao has developed a network of 888 designated LTCI service institutions, with 500 in urban areas and 388 in suburban and rural regions, nearly 90% of which offer home-based services [1] - Ningbo has established clear admission requirements for LTCI service providers, with 359 designated care institutions, including home care and institutional care [2] - Jin City has modified its management regulations for LTCI designated care institutions, ensuring compliance with standards for facilities, staffing, and management systems [2] Group 2: Building a High-Quality Care Workforce - Ningbo has over 7,600 LTCI caregivers, supported by a systematic training framework that includes pre-service and ongoing training [3] - Nanjing has organized skill competitions to enhance the capabilities of care personnel, with 8,765 caregivers currently in the city [3] - Qingdao has registered 15,300 LTCI service personnel, with nearly half being caregivers, and is promoting the certification of long-term care professionals [4] Group 3: Regulatory Measures for Management Institutions - Jin City employs agreement management, annual assessments, and dedicated funding to ensure the smooth operation of LTCI systems [5] - Qingdao has implemented a multi-dimensional regulatory mechanism, including smart monitoring systems to oversee service delivery and fund usage [6] - The use of electronic monitoring and data sharing among various departments in Qingdao enhances the oversight of LTCI services and helps identify non-compliance [6]

近日，烟台市作为山东省长期护理保险(长护险)省内异地联网结算试点城市，正式上线相关结算功能。 这标志着烟台市长护险服务迈入"省内通办、联网结算"的新阶段，进一步打通了服务参保群众的"最后 一公里"，切实解决异地长期居住失能人员以往"先垫资、后跑腿"报销的难点与痛点。 人保财险烟台市分公司作为烟台市长期护理保险主承办单位，积极协助烟台市医保部门与省内各地市医 保部门、信息系统技术单位进行对接，目前已顺利完成系统改造、数据联调和业务测试等工作，实现长 护险异地结算功能落地运行。 长护险省内异地联网结算实施后，参保人员在省内异地定点护理机构接受护理服务，费用将由烟台市医 保经办机构与当地医保经办机构直接联网结算，再由当地医保经办机构与定点护理机构按照协议约定进 行结算。待遇享受人无需先行垫付费用，也无需再返回烟台提交纸质报销材料，真正实现"信息多跑 路、群众少跑腿"，极大提升了服务便利性和群众获得感。 目前，烟台市共有121名参保人员在省内异地享受长护险待遇，以往多采用线下手工报销方式，耗时较 长、手续繁琐。自2025年11月起，这部分人员将全面纳入异地联网结算范围，享受更加便捷高效的医保 服务。 下一步，人保财险 ...

Core Insights - The long-term care insurance (LTCI) system is being rapidly implemented across various provinces in China, with a unified system set to be established in Hainan by January 1, 2026 [1][2] - LTCI is a crucial social insurance initiative aimed at addressing the needs of elderly individuals who are unable to care for themselves due to aging, illness, or disability, marking it as the "sixth insurance" in China's social security system [2][3] - The program has seen significant growth since its pilot launch in 2016, with over 180 million participants expected by the end of 2024, and cumulative expenditures exceeding 80 billion yuan [2][3] Implementation and Variability - There is notable variability in the implementation of LTCI across pilot regions, with differences in operational models, funding sources, and service delivery methods [3][4] - Various service delivery options have emerged, including home care, institutional care, and cash benefits, reflecting a diverse approach to meeting the needs of the elderly [3][4] Policy Development and Recommendations - The establishment of a unified LTCI system is essential to fill the gaps in elderly care and ensure comprehensive social security coverage [3][5] - Experts suggest that the LTCI system should focus on in-person services primarily, with cash benefits as a supplementary option, and clarify the boundaries between LTCI and basic medical insurance [5][6] - Recommendations for enhancing the LTCI system include expanding coverage, improving community and home care services, training more caregivers, and promoting awareness of the importance of insurance participation [6]

Core Viewpoint - The long-term care insurance (LTCI) system in China is being expanded to address the needs of over 45 million disabled and dementia-stricken elderly individuals, aiming to alleviate the social issue of "one person disabled, the whole family unbalanced" [2]. Group 1: Long-term Care Insurance Implementation - The LTCI pilot program was initiated in 2016 and has expanded to 49 cities by 2020, achieving its phase goals over the past nine years [1]. - In Jin City, over 560,000 people are enrolled in the LTCI program, with 5,145 individuals receiving benefits and total fund expenditures exceeding 84 million yuan [2]. - Ningbo has over 8.3 million participants in the LTCI program, providing benefits to nearly 50,000 severely disabled individuals and their families [3]. Group 2: Service Coverage and Benefits - Jin City offers a combination of home and on-site care for eligible individuals, with applications accepted for those in a stable condition for over six months [2]. - In Qingdao, the LTCI system covers 9.39 million participants, with benefits linked to the individual's insurance category and disability assessment level [4]. - Qingdao's LTCI program includes reimbursement for medical service fees and living care costs, significantly reducing the financial burden on families [5]. Group 3: Specialized Services for Different Demographics - The LTCI program in Nanjing has introduced specialized services for low-age disabled children, extending rehabilitation services from institutions to home settings [7]. - The program includes 45 service items in Jin City, covering both basic living care and medical services, with high-frequency equipment rental costs included in the insurance coverage [6]. Group 4: Addressing Challenges in Accessibility - Nanjing is piloting direct payment for LTCI benefits for elderly individuals living in different locations, ensuring they receive timely services [8]. - The information system in Nanjing has been upgraded to facilitate online applications for disability assessments, with local service counters available for in-person assistance [9]. - Qingdao has implemented both online and offline application channels, including a user-friendly interface for elderly individuals to access LTCI services [10].

Core Insights - The article highlights the importance of long-term care insurance (LTCI) in addressing the needs of elderly individuals with disabilities and dementia, emphasizing its role in enhancing the caregiving system and expanding rehabilitation and palliative care services [1] Group 1: Long-Term Care Insurance Overview - Long-term care insurance is a significant social insurance system in China aimed at providing care services for individuals who are unable to care for themselves due to aging, illness, or disability, recognized as the "sixth insurance" after five major social insurances [1] - Eligible individuals can choose to receive care services at designated institutions or through home care provided by these institutions [1] Group 2: Implementation in Ningbo - Ningbo has been a pilot city for LTCI since 2017, and in 2023, it expanded the coverage to include all age groups of insured individuals, establishing a comprehensive system for funding, demand assessment, benefit payment, service provision, and management [2] - An individual named Wu Haoliang, classified as a severe disability level I, pays only 30 yuan annually to receive 20 hours of home care services each month [2] Group 3: Impact on Individuals - The article illustrates the positive impact of LTCI on individuals like Wu Haoliang, who, despite facing severe health challenges, found hope and support through professional care services [2][3] - The professional caregivers, such as Dai Xingdi, play a crucial role in not only providing physical care but also in supporting the psychological well-being of the individuals they care for, highlighting the difference between professional care and family care [3] - Over 47,000 individuals in Ningbo have benefited from LTCI, with more than 6% of them being individuals under 60 years old with severe disabilities, showcasing the program's broad and inclusive nature [3]

Core Insights - The article discusses the emergence of long-term care insurance (LTCI) in China as a solution to the challenges posed by an aging population, aiming to alleviate family burdens and stimulate a multi-billion dollar care industry [4][5][6]. Group 1: Long-term Care Insurance Overview - Long-term care insurance is being implemented nationwide in China, with pilot programs already in place in regions like Zhejiang and Hainan [4]. - The primary goal of LTCI is to reimburse care costs for individuals with disabilities or dementia, thereby reducing the financial strain on families [4]. Group 2: Funding Challenges - The main obstacle to LTCI's success is funding, which currently relies on the transfer of medical insurance funds and government subsidies, leading to inconsistent coverage levels across different regions [5]. - There is a need for innovative solutions to enhance funding, including shared financial responsibility between employees and employers, government support for residents, and utilizing dormant funds in personal medical accounts [5]. Group 3: Collaborative Approaches - A multi-faceted approach is suggested, involving collaboration between commercial insurance, charitable funds, and the establishment of a new framework that combines basic insurance with social supplements [5]. - The implementation of digital monitoring through big data is recommended to ensure transparency in fund allocation and prevent fraudulent claims [5]. Group 4: Future Outlook - With improved systems, transparent regulations, and professional care services, the vision of "aging with dignity" in China can become a reality rather than a distant dream [6][7].