Study On German Long-term Care Insurance System

German long-term care insurance system is a typical social insurance financing model,which was formally established and implemented in 1995.Although Germany is not the first country in the world to establish a long-term insurance system,it is the first country in the world to enact a special legislation on long-term care insurance.After a long period of development and accumulation,the German long-term care insurance system has formed a relatively perfect system,which has important reference significance.At present,China's population aging problem is serious,the number of disabled and mentally retarded elderly is increasing year by year,and the speed of development is increasing.However,the current preparatory work of the government is inadequate,and it is difficult to cope with such a situation.Under these circumstances,how to enable the disabled elderly to provide for the aged with dignity and dignity has become an urgent social problem in China.Germany is an early country to establish long-term insurance,which covers a wide range of areas and operates more successfully.Through studying the long-term insurance policy of Germany,it has a very positive reference experience for our country to establish long-term insurance.The establishment of long-term care insurance system is not only an important measure to improve China's social security system,but also conducive to ensuring the basic life of disabled people,maintaining social stability and promoting social equity.This paper studies the German long-term care insurance system through literature research,descriptive research and comparative research.At the same time,it compares with other countries' long-term care insurance system,summarizes experience,and provides some ideas and suggestions for the establishment of long-term care insurance suited to China's national conditions.By retrospect the historical development background of German long-term care insurance system,understanding its establishment process and analyzing the basic framework of the system,this paper mainly outlines and analyses the object of insurance,financing methods,service types,payment methods and nursing grades.German long-term insurance has its unique features from the insured object to the level of security.These measures provide a good life guarantee for the German people and promote social stability and development.However,even if long-term insurance has the advantages of wide coverage,flexible safeguard mode,relatively stable financial situation,and highlighting humanized services,it will cause some problems.However,according to social reality and the defects of the system itself,the German government has overcome the problems it faces through many powerful reforms,making the long-term insurance in Germany develop and perfect continuously.Germany's long-term care insurance system is also a model for Japan and Korea to learn from.This paper makes a brief comparative analysis of the three countries,such as the scope of insurance,the level of security,management and other aspects,and summarizes the experience,highlighting the advantages of the German long-term insurance system.At present,China's long-term care insurance system is in its infancy and has not yet officially landed.Through the study of German long-term care insurance system and the experience gained,I hope to help our country to establish a suitable long-term care insurance system for the current national conditions.The establishment of long-term care insurance system is not only conducive to the disabled to get basic care needs,live with more dignity,but also conducive to promoting social development and maintaining social equity.