Research On Elderly Long-term Care Insurance Under The Background Of Household Perspective

Under the action of multiple factors,such as the rapid development of social modernization and urbanization,the implementation of birth controlling,the aging population and so on,long-term caring for disability elderly is facing difficulties,the national social security should bear the main responsibility.After decades of exploration,he rural system of five guarantees,the system of minimum living security,all provide basic living supplies for the poor old man,medical treatment insurance reduce the medical cost for the old man,the elderly star program build elderly activity room to meet the demand of the elderly daily entertainment,in recent years,our national have given full consideration the wills of the elderly,have advocated the all districts to develop related industries,encourage family pension,all these have shown the tradition of respecting the old and cherishing the young in our country,have highlighted the advantages of the socialist system.Under the background of the massive benefits of the science and technology,the growth of the human life span is a common trend.Relative to the young,the old bodies are in the aging stage,the chance of chronic disease is increasing,the recovery difficulty is high,the recovery period is long,care needs have appeared gradually,the existing social security policy in China has been unable to meet the requirements of the old man,how to plan the role of pluralism by overall planning and promote the development of pension services worth thinking about.In the long run,long-term care insurance is in urgent need to develop,our nation fix the policy in terms of system by putting the problems of the elderly disability caring into the category of social security,to ensure the stable implementation.The nature of long-term care insurance is to raise awareness of life ability to resist risk,the focus is perfecting social insurance system,the optimization of the life cycle consumption curves,improving the elderly life satisfaction,promoting employment,boosting domestic demand,solving the problem of disability elderly care.In the family.This paper mainly includes six parts,the first part introduces the background,research significance and related literature review,discusses the importance of long-term care insurance implementation,and introduces the related theory,the concept and research content,method and the thought,and explain the article innovation point and the difficulty at the same time.The second part is analyzing the present situation of the elderly care,and the problems what it leads to,and explain the cause the problem from the viewpoints of old man itself,family and society respectively.The third part is analyzing the situation of long-term care of supply and demand condition in Henan province,we access to first-hand information of the elderly care needs and willingness of child care through social investigation,and provide the basis for countermeasures.The fourth part is elaborating the long-term care insurance mode at in China,selecting and explaining four typical foreign counties,making a domestic comparing analysis,for the better development of long-term care insurance in Qingdao and Beijing comparative,providing reference for the long-term care insurance in Henan province.The fifth part is this article core,to design long-term care insurance system from many aspects in Henan province,such as ginseng protect object,the object of benefits,payment mode and financing,payment method and content of the nursing personnel training aspects and so on.