The Research Of Long-Term Care Insurance’s Development Under China’s Aging Population

In those countries that aging problem appears earlier, Long-term care insurance has already developed to a certain stage of maturity,which has become a tool to ease social pressures caused by the aging.For example, Japanese,which had entered the aging society in the early 1970s, The Long-term care insurance system has developed quite mature,having the perfect related legal system, and establishing a flexible payment and settlement mechanism,that can provide a wealth of nursing resources.Although China’s aging problem appeared later,along with our country aging and decreases continuously emerging, the inverted pyramidal population structure and function of inadequate social insurance system,led to the problem of long-term care of the elderly can not be effectively addressed.Therefore, under the background of "silver wave",this article intend to study on the development of long-term care insurance,and explore the future development of the road of long-term care insurance.This paper first elaborate the theory of long-term care insurance, and then analyzes the urgency and necessity of developing long-term care insurance under the current situation of aging problem, and focus on the demand of long-term care insurance of three aging groups:the elderly who lost the only child,empty-nest elderly and the oldest old groups,which indicates that China’s development of long-term care insurance imperative. Second,study the current situation of long-term care insurance,and select Shanghai Qingdao and Beijing Haidian area that long-term care insurance developed rapidly to analysis detailed, which focuses on the content of Qingdao pilot’s social long-term health care insurance system and Beijing Haidian regional pilot commercial long-term care insurance system,and then from effective demand, supply, legal system and related resources four aspects to analysis the problems existing in the development process of the long-term care insurance.After, analyzing the long-term care insurance system in the United States, Japan and Germany,and then compare the three long-term care insurance system, learn lessons on the development of long-term care insurance system in developed countries.At last,In order to establish our country’s long-term care insurance system and select mode,respectively from the insurance companies, national level as well as social level put forward suggestions, hope that through this all three combined actionjointly promote the development of long-term care insurance in China.