Exploration On Long-term Care Insurance Policy For Disabled People

The disabled are vulnerable groups with physical or mental impairments,they need long-term care to restore the body functions,regain a normal life and participate in the social competition equally.However,the long-term care requirements of the disabled haven't be fully satisfied currently because of our backward social service system,and the existing welfare policies for disabled people are also fragmented.With the development of the disabled aging and the aged increasingly become disabled,social medical insurance would be more and more overwhelmed,and the family care would be in short supply.In this case,it is inevitable to explore the long-term care insurance policy for the disabled,which would integrate the disabled welfare resources into a social service network,and relieve the difficulties of the social medical insurance and family care.In this context,we can identify three major contradictions about long-term care insurance of disabled people through literature research method in this article:long-term care service should be separated from medical service,there are similarities and differences between disabled people and disability elderly on long-term care service,long-term care insurance versus long-term care subsidy,all of this certified the necessity and feasibility to construct the long-term care insurance policy for the disabled,based on the basic public services equalization theory and anti-social exclusion theory.In view of our special conditions,the long-term care insurance of the disabled should be a social insurance policy,which attach primary importance to the social efficiency,adhere to the principle of equalization,standardization,professionalization,and be guided by serving the society.And it should undertake the responsibility of allocating caring resources,regulating caring industry,and solving profession problems.Then we can make a tentative design of long-term care insurance policy for disabled people in China by drawing on the experience of the United States,Germany,Japan and Qingdao.Firstly,the policy should be based on the idea of "Equality,Participation and Sharing".Secondly,legislation should be pursued ahead to reinforce the legal basis.Thirdly,according to welfare pluralism theory,the-policy's framework consists of financial system,human resources system,and service delivery system.A "Family-Community-Institution" caring network would be constructed to supply the basic caring service for disabled people,and commercial insurance is encouraged to supply that out of the basic caring network.Finally,some supporting measures should be formulated to escort policy.Consequently,the implementation of the long-term care insurance policy for disabled people would play an important role in relieving the medical insurance dilemma,integrating the welfare resources of the disabled,improving the social service system for the disabled,and therefore promote the "Two Systems" and the social security network for the disabled.