Research On Capital Demand And Burden Capacity Of Long-term Nursing Insurance In Hebei Province

As the ageing of the population deepens and the family structure shrinks,the number of disabled seniors increases year by year and the demand for long-term care increases year by year.However,due to rising medical and nursing costs and lower income levels of the elderly,their ability to pay for long-term care costs is still lacking.In2016,the Ministry of Human Resources and Social Security issued the “Guidelines for Piloting the Implementation of a Long-Term Care Insurance System Pilot” and selected15 cities including Shanghai,Qingdao and Chengde as pilot sites.Hebei Province selected Julu County and Chengde City as the pilots for long-term care insurance to carry out relevant work.This article studies the needs and affordability of long-term care insurance funds in Hebei Province,which is mainly divided into six parts.First,the topic background,meaning and other brief introduction.Second,the definition of relevant concepts and a summary of theories.Third,introduce the status and problems of the long-term care insurance system in Hebei Province.Fourth,measure the demand for long-term care insurance funds in Hebei Province.This chapter surveys the disability level of long-term care costs for 100 disabled elders in one of the two old-age care institutions in Hebei Province,and analyzes the results of the survey.According to the current economic development level and population status of Hebei Province,the long-term care insurance is provided.The capital requirement is 1.627 billion yuan.Fifth,analysis of affordability of different fund-raising parties.According to the current long-term care insurance financing standards and funding requirements in Hebei Province,the ratio of personal financing to long-term care insurance fund demand burden is 44.13%;the ratio of medical insurance fund raising to long-term care insurance fund demand burden is 58.84%;The ratio of care insurance fund demand burden was 14.71%.Long-term care insurance fund supply was greater than demand.In 2016,the long-term care insurance fund balance was 288 million yuan.In order to balance the supply and demand of long-term care insurance funds,this chapter starts from the perspective of long-term care insurance fund requirements,adjusts the burden ratios of different fund-raising parties,and analyzes the affordability of different fund-raising parties in combination with relevant influencing factors.The results show that the monthlylong-term care cost of individuals accounts for the monthly average salary ratio of urban retired workers in the next 10 years,which is basically maintained at 34.50%;the ratio of long-term care insurance expenditure to medical insurance fund balances for medical insurance funds increases from 1.90% to 2.22 in the next 10 years.%,showing a slowly rising trend;government finances' ratio of long-term care insurance expenditure to local fiscal revenue has slowly risen from 0.06% to 0.09% in the next 10 years.Therefore,the funding standard can be reduced from 0.4% of the total wages of participants in the previous year to 0.381%.Individuals bear 0.114%,medical insurance funds bear 0.229%,and government financial burden 0.038%.Sixth,the main conclusions and related policy recommendations.The above data shows that the tripartite entity has certain affordability.Medical insurance funds are more affordable because their funds flow to a single source.Therefore,the funding standards for medical insurance funds can be appropriately increased.At the same time,the target and scope of protection can be expanded,the construction of a qualified personnel team can be strengthened,and a multi-level protection mechanism can be perfected to ensure the stability and long-term effectiveness of the implementation of the system.