| The aging of population is the inevitable result of economic and social development as well asthe progress of science and technology, which also is an irreversible trend of development. In order to solvethe problems of social endowment caused by the aging of population, especially the elderly care, eachcountry of the world have taken measures to deal with it. As a global social problem, China will inevitablyface it.The aging of population in our country has the characters of large base,high speed,with fiercemomentum and regional disequilibrium,which makes our country face more severe challenge.The elderlyneed more care because of their physical and psychological characteristics.But due to lasting implement offamily planning policy in China,the “four-two-one”“four-two-two”family structure become more andmore.As the sandwich generation of young couples,they have to take care of the elderly and raise theirchildren,also need to undertake various kinds of pressure from work and life,such a heavy burden of familymakes them feel overwhelmed and extreme fatigue.Along with economic and social development and theincrease of cross-regional population flow,“empty nester”in our country are growing.With it correspondingsocial problems also arise:they are not only lack of economic support and daily care in life,and also thereare serious problems in their mental health.Suicide phenomenon occurs frequently because ofpsychological problems caused by bad mood,such as depression,anxiety and fear.Population mobility,miniaturization of family size and degradation of the spirit of traditional filial piety make the functions oftraditional family endowment weaken,the difficulty of the family support is more and more big.There areserious shortage in current endowment insurance,medical insurance and other social security system as aresult of design,ideological understanding and national finance,health care policies and measuresspecifically for the elderly are not perfect,as well as professional nursing service system has not formed,such a terrible shortage in old-age service system,such as nursing homes and nursing homes.The aging of population has greatly hindered the rapid development of our social economy andseriously impact the traditional family pension and social security system.Therefore,we need to seek newways to help families share the the pressure of endowment and care.Learning from the successful experience of the foreign long-term care insurance and combining with the reality of our country,toconstruct the elderly long-term care insurance system that conforms to China’s national conditions hasbecome an important topic with practical significance.This paper expounded and analyze the feasibility and necessity of establishing a long-term careinsurance in our country,summarized and refined the successful experience worth learning and existingshortcomings by analyzing and comparing--the social care insurance in Germany,Japanese nursinginsurance and American commercial care insurance,then the paper put forward to building an insurancesystem model that should be given priority to social care insurance,commercial care insurance as anecessary supplement,finally complete realization of social care insurance system,at the same time,from theformulation of laws and regulations,construction of risk prevention and control mechanism,vocationaltraining of nursing staff, the setting of level care and insurance rates,to establish and perfect the system oflong-term care insurance in our country. |
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