A Study On The Costs Of Disability Elderly Care And Family Risk

Population aging is one of the major problems that faced human beings in the 21st century.The increase in the number and size of the elderly population,especially the disabled elderly,has brought a heavy burden to the development of the pension career in China.After two pillars of the old-age security,old-age security and medical security,the long-term care problem of the disabled elderly has a profound impact on China's social development and people's life.Under the background of the China's rapid aging,the community concerns a lot about the development of the pension career,while government has also issued policy for the disabled elderly to provide subsidies for them.Study on the costs of disabled elderly is the basis of actively coping with the aging and protecting the needs of the disabled elderly.As a key to improving and breaking old-age security mechanism,study on the costs of disabled elderly has important realistic and theoretical significance.This study focuses on three problems:the first one is the present condition of disabled elderly care;the second one is the estimates on disabled elderly care costs;the third one is disabled elderly care costs and family risks.On the basis of literature research,using statistical analysis,comparative study and other methods,study makes a systematic analysis of the current situation of the care for the disabled elderly in China based on the theory of risk society and family life cycle.Using extended multi-state life table method,China disabled elderly care costs in the rest of the life was divided into sub-urban and rural and sub-regional estimate.Through the expansion of the concept of family risk,the study analyzes the risks of China's disabled elderly family multidimensional,to explore the concept of long-term care insurance system that can meet the needs of the disabled elderly and the system able to alleviate the burden of elderly caregiver.The main conclusions of the study as following:First of all,the difference and contradiction of urban and rural disabled elderly care costs are obvious.The main contradiction of urban disabled elderly care is due to the reduction in income due to the giving of time,while the burden of disabled elderly care in rural areeas is more reflected in the daily care costs.Then,by the difference between elderly self-care ability transfer rate,care type,economic level and many other effects,regional factors of the disabled elderly care costs is complex.Thirdly,in the costs of disabled elderly care,medical expenses cannot be underestimated.It is close to the disabled elderly.The next one is about the disabled elderly family risk.It is multidimensional and long-term,runs through the disabled elderly longevity,and has an important impact on family life cycle.The study finds direct care risk shows a significant polarization characteristic;opportunity cost high risk mainly shows in the urban and eastern;medical risk is universal,centralized distribution.In summary,the study put forward two aspects of policy recommendations:First,we should speed up the establishment of long-term care insurance system for disabled elderly to provide them more protection.Increasing publicity to change the traditional concept and rich disabled elderly care.Building disabled elderly care allowance to improve the families' ability to afford.Reinforcing the market-oriented construction of pension services and encouraging market forces to participate in the construction of long-term care insurance system,reducing the cost of care for the elderly.Putting more attention to the combination of medical and care for elderly,to speed up the cultivation of specialized nursing personnel,making care services more comprehensive,more professionalSecond,we need to provide disability caregiver support policies to reduce the pressure.Provide family financial subsidies to enhance family support and help families with low risk out of trouble.Focus on the development of family caregivers,enhance the professional level of them,and provide different support for them.Encourage community to participate,promote volunteer team building,and provide a new power for care for the elderly.Continue to promote the development of formal care,provide a wide range of pension services,to provide a sense of access for the elderly.