Research On The Construction Of Long-term Care Insurance

China has fully entered the ageing society.In the context of such a serious aging phenomenon.The number of the disabled old people will also increase correspondingly.The changes in the number of family members,the role of family members and the relationship between social support on the macro-level have caused many scholars to pay attention to the nursing of the disabled and mentally handicapped elderly.The long-term care insurance system originated from abroad began to take root and sprout in our country.The long-term care insurance,as a new kind of social insurance related to the national economy and people's livelihood,has raised the attention of many scholars since the first experiment in Qingdao in 2012.Since the Ministry of Human Resources and Social Security issued the guidance on the pilot of the long-term care insurance system in 2016,more and more detailed implementation measures or implementation rules have been introduced,and the pilot work has also been expanded.However,in the absence of a uniform and specific rule,there are many problems in practice that have led to different policies.This paper starts with the positioning of long-term care insurance,and expounds how to construct and set up a long-term care insurance system suitable for China's national conditions.In addition to the introduction and the epilogue,this article includes four parts:The first part is to put forward the theory of long-term care insurance system.Firstly,the four concepts of disability,long-term care,long-term care insurance and long-term care insurance system are introduced,and other social insurance and commercial insurance are compared.It can be found that the present social endowment insurance system of our country only provides the life guarantee for the retirees.the social medical insurance only provides professional treatment to the patients.Only the two basic social security payments can not meet the increasing demand of the long-term care service.The establishment of the long-risk insurance system is beneficial to the improvement of the social security system.Meanwhile,the defects that the commercial nursing insurance product is low,the cost is high,the treatment of the benefits is not sufficient cause the coverage to be narrow.Secondly,by analyzing the Maslow's hierarchy of needs theory,the theory of human rights and the right and obligation,the theoretical basis of the long-term care insurance system is provided.Finally,the necessity of long-term care insurance system is elaborated from two aspects of aging background and disability risk,and the feasibility of long-term care insurance system is demonstrated from the angle of the willingness of the enrollment and the economic sustainability.In the second part,the implementation of 15 pilot cities across the country is comprehensively compared by means of policy text analysis.By analyzing the commonness and the opposite sex of all aspects of the long-term care insurance practice model in different pilot areas,and summarizing the main problems in the system design and practice of each pilot city,including the coverage,the financing mechanism,the payment method and the evaluation standard.The service system has five aspects.This is the path to the overall planning of the national long-distance insurance system and the unified standard for the top level.The third part is the introduction of the advanced experience of the two countries.Germany is the most perfect country in the legislation of social insurance,and has enacted the <Nursing Insurance Law> in 1994,and has a more complete set of measures.Japan followed closely with the introduction of the "On the Establishment of the Nursing Insurance System" bill in 1995 and enacted the <Nursing Insurance Act in 1998.Both the two countries are the countries of the long-term care insurance system of the society,and have a good reference for the system construction of our country.The fourth part,in order to solve the problem,discussing the construction mode of long-protection insurance in our country.The content of this part is the difficult point of the full text,and it is necessary to expand the problems existing in the above-mentioned practice.The long-term care insurance system should adopt the independent type that is not attached to the other insurance system,and adopt the social long-term care insurance model.Then to set out the specific system design from the range of coverage,the financing mechanism,the payment method,the evaluation system and the nursing service.