The Construction Of Long-term Care Insurance Egal System For Elderly

As the process of population aging continues to accelerate,the number of disabled elderly people is increasing,and the demand for long-term care is increasing,the elderly rights protection system is facing new challenges.The implementation of family planning policy reduce family members,from 5 people per household per to less than 3 people per household,greatly weakened the family pension function,so that the burden of family pension is more and more serious.even if the family planning policy has been changed,in the short term,it can't alleviate the pressure of family pension.In addition,under the China's social insurance system,the pension insurance provide money to meet the basic needs of life for retirees.Medical insurance is mainly aimed at short-term and regular medical services,and neither of the two can meet the long-term care needs of the elderly.In order to alleviate the pressure of the aging population,reduce the burden of the family structure changes,and make up for the limitations of the social insurance system,the long-term care insurance for the elderly is imperative,and the construction of the relevant legal system is necessary to ensure the effective operation of long-term care insurance.In the aspect of legal,the legitimacy of human rights and its universality and equality gives elder people enjoy the basic rights.Every old person has equal rights,development rights and dignity right.The construction of long-term care insurance legal system for the elderly can provide safeguards for the elderly rights,human rights concept provides the basis for the construction of the legal system.The value of law is realized through the formulation and implementation of law,the long-term care insurance legal system can promote the realization of equality and justice.It's important for the government to safeguard the rights and interests of the elderly.Nowadays,international conventions and laws provide for the government responsibility for social security,such as the world human rights declaration(1948)provided that through national effort and international cooperation can achieve the rights of everyone.From the development of China's social insurance system,we can see that the government has always played a role in it and assumed responsibility.Therefore,the construction of the legal system for long-term care insurance for the elderly is the responsibility of the government.Learning from foreign experience canprovide useful ideas for the construction of long-termcare insurance legal system in China.The long-term care insurance chioce commercial insurance as a modet,the syle of product is diversification in US.Germany and Japan adopted the social insurance model.The German long-term care insurance insurance object in full compliance with the health insurance coverage,mainly in the form of nursing home care and hospital care,shared by all the premium,payment of long-term care insurance in a variety of ways.Japan and Germany are similar,but it is more precise in the division of insurance object,evaluation of nursing grade is also more comprehensive and refined.Combined with China's specific national conditions and long-term care insurance pilot,the elderly long-term care insurance in China legal system suitable for the main social insurance,commercial insurance supplement mode,follow the appropriate,the difference and the principle of complementarity.Combined with China's specific national conditions and long-term care insurance pilot,the elderly long-term care insurance in China legal system suitable for the main social insurance,commercial insurance supplement mode,follow the appropriate,the difference and the principle of complementarity.The targets include those people who join health insurance,and attempts to expand coverage.Funded must from the state,enterprises and individuals,personal accounts of long-term care insurance and medical insurance can unicom to improve the utilization of funds.We should establish disability evaluation system,according to different situations,to provide diversified payment.And establish the supervision system,define the responsibilities of each supervisory department.