The Study About The Problem Of Long-term Care Insurance In China From The Perspective Of Developmental Welfare

China has been among the ageing society since2000. The number of elderly population in2013has reached202million, of which China’s urban and rural disabled elderly population has about37.5million, accounting for19.0%of the elderly population in general. While China’s aging process, miniaturization of family structure, empty nest are happening at the same time, the security effect about traditional family is obviously insufficient and many disabled elderly people cannot get the comprehensive care. So, the problem about long-term care which is facing by the disabled elderly people is becoming more serious. In this context, the long-term care insurance as a solution to protect the life of disability elderly people is very effective. The study of long-term care insurance in China is later and the research in this field is relatively weak. There is no systematic theory system to guide the development of the elderly long-term care insurance. While developmental welfare is a positive welfare policy, and it promotes a philosophy of social development, which is also suitable for the needs of the development of an aging society. So, this paper from the perspective of developmental welfare to explore the problem of long-term care insurance has a strong practical significance. First of all, this paper introduces the current situation of the development of long-term care insurance in our country, points out the problems that exist in the development process of long-term care insurance, and then the deep-rooted causes which are responsible for these problems are analyzed. Then, this paper selects representative countries from abroad-the United States, Japan and Germany, and introduces the practice of long-term care insurance about these countries, and gets enlightenment from them. Finally, this paper puts forward to build a multi-level development model about long-term care insurance from the perspective of developmental welfare, that is, the establishment and perfection of China’s long-term care insurance must pay attention to the close collaboration of government, the market and society, and the long-term care insurance mode should be on the basis of the statutory care insurance, commercial care insurance as the important content, old-age care assistance system as a necessary complement, and proposes some supporting measures to develop and perfect the long-term care insurance.