Study On The Pattern Of Long-Term Care Insurance In Changsha

The aging population has become a global problem.With the increase of the age,the quantity of the elderly who lose the ability to take care of themselves increases correspondingly.And the demand for long-term care is also increasing.Some countries choose to cope with the increasing long-term care burden by establishing a long-term care insurance system.Among these countries,there are two representative patterns,one is the commercial pattern carried out by the United States,the other is the social pattern implemented by Germany and Japan.The data from the fourth sample investigation on the living conditions of the elderly living in urban and rural areas in China showed that the physical health of the elderly has continuously improved,but there were still 18.3%of the elderly are still in an incapacitated and semi-incapacitated state with a total number of 40.63 million.In view of the practical problems,such as the miniaturization of family structure,the high cost of medical care and the imperfect social security system,it is imperative for China to speed up the establishment of a long-term care insurance system.In recent years,all the pilot cities in our country actively respond to the national call to promote the construction of long-term care insurance system.All walks of life are also paying close attention to the path of developing long-term care insurance in our country.However,the top priority is to choose the type of long-term care insurance system.This study selected Changsha as a pilot to explore suitable pattern for the development of long-term care insurance in the region.The aim of this research is to accumulate experience for developing the national unified long-term care insurance system in the future.The entry point is to make a horizontal comparison between the two existing long-term care insurance patterns of different nature in the United States,Germany and Japan.At the same time,elaborating the specific practice of long-term care insurance systematically combined with the current start-up of each pilot in our country.In this study,different questionnaires were used for two groups:retired seniors and employees.According to the survey,we can find that the elderly in Changsha have a strong demand for long-term care,while compared with commercial long-term care insurance,the employees are more likely to participate in social long-term care insurance.Based on the above investigation,the study concludes that the pattern of social long-term care insurance is more suitable for the current situation in Changsha from the two aspects of necessity and feasibility then puts forward the frame and some corresponding countermeasures and suggestions about how to develop the long-term care insurance in Changsha.