Study On The Effect Of Long-term Care Insurance On Family Care Burden

At present,aging population has become a long-term problem that affects the economic and social development of our country.With the expansion of the elderly population and the rapid increase in the number of disabled and semi-disabled elderly,there is a great tension between the demand for family care and the supply of elderly care services.At the same time,our country is facing the population development status of ageing and fewer children,and the burden of family care is becoming increasingly heavy.In order to actively cope with the ageing of the population,we need to pay attention to the current situation and development trend of the family care burden.Faced with an increasingly severe aging trend,China began to explore the long-term care insurance system based on the characteristics of its own economic development,and took the lead in conducting the pilot work in Qingdao in 2012 to provide funds or service guarantee for the basic life and medical care of the long-term disabled.With the trend of significantly accelerating the aging process,whether the long-term care insurance system can effectively alleviate the burden of home care needs to be scientifically evaluated.Therefore,based on a comprehensive review of the implementation of long-term care insurance abroad and the development status of long-term care insurance in China,this thesis first introduces the long-term care insurance policy on the basis of the traditional overlapping generations model,so as to describe the mechanism of long-term care insurance on family care burden.Second,the index system of family care burden was constructed to analyse the current level of family care burden in our country.Finally,the CHARLS survey data are used to establish the DID model for empirical testing,and the impact of long-term care insurance on family care burden is comprehensively investigated from the perspective of regional and group differences.Compared with the existing research,this thesis enriches the research in the field of "social insurance and family burden",helps to provide data support for family pension,institutional pension and other aspects,and provides an important theoretical basis for further promoting the pilot policy and effectively improving people’s livelihood.The results show that:(1)The pilot work of long-term care insurance in China has developed steadily,the scope of the pilot work has been gradually expanded,and the number of insured persons and insured objects have continued to increase,reaching169.902 million and 1.298 million respectively in 2022;At the same time,the fund’s income and expenditure remain stable,and the supply of high-quality nursing services continues to increase.In 2022,the number of long-term care institutions will be 7,679,an increase of 12.6%.(2)At the micro level,China’s family care burden has eased over time,with obvious spatial imbalance and obvious group differences.Among them,the family care burden in eastern and central regions is relatively high,and the family care burden in rural areas is significantly higher than that in urban areas.The family care burden is relatively higher for the only child,the very old and the female elderly.(3)The empirical results show that the introduction of long-term care insurance can significantly reduce the family care burden,and the marginal effect is between 0.030 and 0.070.Long-term care insurance mainly reduces the family care burden by reducing the burden of daily activities,the burden of basic living,the burden of daily housework and other ways.At the same time,the effect of long-term care insurance shows obvious regional and population heterogeneity.The introduction of long-term care insurance in eastern and urban areas can significantly reduce the family’s care burden.Long-term care insurance can significantly reduce the family care burden for families with one child and male elderly.With increasing age,the marginal effect of long-term care insurance on the family care burden also increases.Finally,based on the research and analysis results,this article proposes policy recommendations from strengthening top-level design,expanding coverage,establishing unified standards,and expanding financing mechanisms,in order to establish and improve a multi-level long-term nursing insurance system.