Research On The Measurement And Countermeasures Of Long-term Care Insurance Premium Rate Based On The Background Of Social Security Reduction

With the deepening of aging and the change of family structure,the care of disabled elders has become the focus of social attention.In order to reduce the pressure of high nursing costs on families and solve the problem of nursing needs of the elderly,the General Office of the Ministry of Human Resources and Social Security issued the "Guiding Opinions on the Pilot of Long-term Care Insurance System" in 2016,marking that the long-term nursing insurance system in China has entered the formal pilot stage.The pilot work provides experience for establishing scientific and reasonable financing mechanism of long-term nursing insurance.From May 1,2019,the social insurance fee reduction plan will be officially implemented.Under the background of social insurance reduction rates,long-term care insurance is a new social insurance.Is the current rate reasonable and compatible with the aging trend? And so on are issues that need to be considered.Based on this,based on the multiple theory of welfare,public product theory and the law of large numbers,this paper systematically measures the rates of long-term care insurance from the perspective of individuals and the whole,mainly focusing on the following contents.This paper first discusses the financing mechanism of long-term care insurance in 15 pilot areas in China,analyzes the development process of the long-term care insurance pilot in China,and compares the characteristics and differences of the pilot cities in terms of funding subjects,funding channels,and funding standards.Secondly,the contribution rate is a key factor influencing financing,and social security contributions affect the financing of long-term care insurance.This article takes Qingdao as an example,and uses the holistic approach and individual approach to measure the rates of long-term care insurance under the background of social security fee reductions.In terms of individual law,the personal contribution rate of long-term care insurance is estimated to change continuously with the age of the initial contribution.The younger the initial payment age is,the lower the individual payment rate is and the less the annual premium is.At the same time,compare the impact on individual payment before and after the fee reduction.In terms of the overall method,using the ILO fund-raising model,taking the first type of people participating in the payment as an example,the overall equilibrium contribution rate of long-term care insurance in Qingdao is calculated,and the calculation results of the total financing ratio of long-term care insurance are further analyzed.At the same time,compare the impact on the overall payment before and after the fee reduction.Combined with the calculation results,this article proposes to establish scientific dynamic fundraising standards;broaden fundraising channels;set reasonable individual payment rates according to the payment age;establish a data sharing mechanism;improve the laws and regulations of long-term care insurance.