Research On Legal System Of The Long-term Care Insurance For Disabled Elders

At present,China's population aging is aggravating,and the number of disabled and semi-disabled elderly people is huge,making it one of the countries with the largest number of disabled elderly people in the world.As of 2016,there are about 40.63 million disabled and semi-disabled elderly people in China.Disabled elderly need care.For a long time,the pension of the disabled elderly is the main source of funding for their care.The family is the main care subject of the disabled elderly.In the face of the long-lasting,costly and professional nature of disabled elderly care,the family is unsustainable.The original one-child policy has led to changes in the family's demographic structure,and family pensions are declining.Faced with the increasingly universal and socialized disability elderly care,it is inevitable to establish a legal insurance system for long-term care services for disabled elderly.This paper mainly studies from the following four aspects:The first aspect: an overview of the legal system for long-term care insurance for disabled elderly.This part mainly introduces the related concepts involved in this paper,the main characteristics of the long-term care insurance legal system for disabled elderly,the relationship between long-term care insurance for disabled disabled and other social insurance systems,and the legal basis for establishing the legal system for long-term care insurance for disabled disabled people.And the need to establish a legal system for long-term care insurance for disabled elderly.The second aspect: the status quo of the long-term care insurance legal system for disabled elderly people in China.This part mainly introduces the current situation of the main pilot cities of the long-term care insurance system for disabled elderly people in China and the existing problems in the social insurance system and social system.Through research,it is found that China's current social assistance system and welfare system cannot satisfy the loss.On the one hand,the demand for the elderly is not due to the late development of the system,and it is not enough to assume the full insurance liability of the disabled elderly.On the other hand,the social assistance and welfare system is a vacant social insurance system,essentially It is necessary to provide the necessary minimum living allowance for the most vulnerable people,and it cannot guarantee the long-term care needs of the disabled elderly.The third aspect: the investigation and enlightenment of the long-term care insurance legal system for the disabled countries in major countries(regions).This part studies the legal system of long-term care insurance for disabled seniors in four countries(regions)of Germany,Japan,the United States,and Taiwan,from the main body of responsibility,the object of care,the source of funds,the provision of services,and the supervision of long-term care.Five aspects of management compare with China's national conditions and give inspiration.According to the study,although the social insurance system for disabled elderly people varies from country to country due to different legal systems,whether in Taiwan,Germany,Japan,or in the United States where the welfare system is the main guarantee,government,business,and personal responsibility There are differences in the sharing model and the market operating model.In Germany and Japan,the social insurance mechanism is the main one,and in the United States,the commercial insurance mechanism is the main one.However,in general,the similarities of these countries are the use of legal means to establish a social insurance system with personal,family,social and government responsibilities,providing the last line of defense for the disabled elderly in their later years.The fourth aspect: the concept of the long-term care insurance legal system for disabled elderly people in China.This part envisages the legal system of long-term care insurance for the disabled in China from five aspects: the scope of application,the evaluation mechanism,the financing mechanism,the payment method and the supervision mechanism of China's long-term care insurance.The study believes that China should learn from the effective measures of other developed countries(regions)and establish a legalized long-term care insurance system that suits China's basic national conditions.To solve this problem,China's disabled elderly long-term care insurance funding sources,evaluation mechanism,financing mechanism,supervision mechanism,publicity system and other aspects of the problems faced.By integrating the long-term care resources of the administrative agencies,society and families,we will build a long-term care insurance legal system for the disabled elderly with systematics such as daily life,medical care,and spiritual comfort.