A Survery Report On The Developement Of Long-term Care Insurance In Jiangxi Province

Jiangxi province has entered the aging ten years,the aging problem has become increasingly prominent,which brings new challenges to government management,social security and social stability.How to let the elderly be taken care of and happy,need scientific response,overall arrangement.Until the end of 2015,there are 4,565,630,000 residents in Jiangxi province.Among them,the proportion of the population aged 60 and over,who is 65 years old or above,account for 13.88% and 9.44% of the total population,nearly twenty percent of the elderly people belong to the elderly who have lost energy and need to receive long-term care.In reality,the care of the elderly is generally undertaken by the family and mainly by their children.Their children should not only support their parents,but also raise their children,and they also assume the main responsibilities of the work,which makes long-term care produce a lot of problems.Coupled with the decline of the physical function of the elderly,the continuous rising of medical costs and the insufficient protection of the existing social insurance,it brings economic burden to families and brings negative effects to the society.This research report is divided into four parts.First,this paper introduces three basic theories of long-term care insurance,including welfare pluralism theory,demographic transition theory and also Maslow's hierarchy of needs theory.Secondly,the report introduces the basic situation of long-term care insurance in Jiangxi.Next,it analyzes the opportunities facing the development of long-term care insurance in Jiangxi Province,with a rapidly aging population,empty nest families,professional care and lack of family economic burden,but also pointed out that the development of this insurance challenge,both the lack of relevant laws and regulations,but also the product pricing is complex,lack of resources,nursing consumers do not understand the problem.Then,based on the provincial situation of Jiangxi province,this report summarizes the experience and lessons of long-term care insurance in the US,Japan and Qingdao,analyze them and get some enlightenment to the development of long-term care insurance in Jiangxi Province.Finally,based on the problems talked above,this report proposed some countermeasures and suggestions.The countermeasures include: improving the relevant laws and regulations as soon as possible;diversifying the source of funds;expanding the insurance coverage of the population from urban workers to urban residents and rural population;combining various payment methods including payment of cash and provision of care services.At present,Jiangxi is in the process of population aging.As an important part of social welfare,long-term care insurance should catch up with the pace of Jiangxi's development,and give full play to promoting the harmonious development of society and protecting the rights and interests of the elderly.