Research Of Build Long-term Care Insurance In China

The results of the sixth census show that China have aged above60populationmore than170million, Accounted13.6%of the total population. More than19millionpeople aged above80. Accounted12%of the total number of elderly population. Whatis more serious is that aged tendency of population in our country have characteristics ofSerious aging and old aging.so Take care of the elderly become more difficult. Seriousaging and old aging Make the population of disabled elders increased. As a vulnerablegroup, meet the needs of the Disability old man’s care, Help them seek betterdevelopment is the key to solve the population of ageing problems. At present, China’seconomic development behind developed countries, The care function of familyincreasingly weakened,personal unaffordable high care costs, the social security systemdifficult to meet the needs of the care of the disability old man.so in addition to increasethe financial investment and improve the infrastructure, We need to establish along-term care insurance, by this way can help families reduce the pressure of caredisability old man and pressure of medical treatment, endowment insurance medicalinsurance or endowment insurance,then improve the quality of disability old man’s life,promote social progress.Based on the background of” disability elderly multiple demand analysis and thelong-term care service system”, In this paper, study of disabled elders and their family,include relevant organizations and personnel,we master lots of information and analyzed.Firstly,analysis the current living situation of disability elderly and their families,we knowthat under the current pension system, the whole society, especially disabled elders andtheir familya have lot of pressures in care of old man. Establish long-term careinsurance can help the whole society meet the challenges from population aging, reducethe heavy burden of family care and cover the shortage of insurance system. Secondly,asa newer insurance product, many factors restrict establish long-term care insurance.Amongthese factors,insurance concept,economic development, market supply, nursing homesand nurse are the most important factors. Thirdly, analyze the background and runningof long-term care insurance mode in Germany and United States, combining with thesituation of our country, put forward that establish long-term care insurance in ourcountry should choose the mode in combination with social long-term care insuranceand commercial insurance.The last, analysis based on the necessary to establish long-term care insurance the and influence factors, put forward the path to establishlong-term care insurance in our country: strengthen the propaganda, combine socialinsurance and commercial insurance, establish a multi-level financing mechanisms,perfect laws and regulations, attaches importance to the talent training. Only to takemeasures combination system and practice can ensure establish and smoothimplementation long-term care insurance.