Study On The Problems And Countermeasures Of Long-term Care Insurance In Lanzhou City Based On Demand Investigation

In 1970 s,the phenomenon of population aging gradually appeared in the world.In order to cope with the elderly care problems caused by population aging,long-term care insurance was born in the United States and spread to all countries in the world.According to the evaluation standard of population aging issued by the United Nations,China became an aging society country in 2000.it is expected to rank among the aging society countries around 2025.However,looking at the evolution from an aging society to an extra aging society in various countries,it takes longer than China.The aging speed in China is rare in the world.At the same time,the rapid speed also causes to face more serious nursing problems for the elderly in china.In order to solve the problem,Qingdao gradually introduced long-term care insurance on its own in 2012.In July 2016,the General Office of the Ministry of Human Resources and Social Security issued a document on the pilot of long-term care insurance in China.In August 2020,the Medical Insurance Bureau and the Ministry of Finance issued a document on expanding the scope of the pilot,expanding the pilot area from the original 15 cities to 49 cities.As an important method to solve the problem of elderly care in China,it can be seen that long-term care insurance will be implemented more and more widely.At the beginning of 2020,the proportion people who over 65 years old in Lanzhou was 13.4%,which was higher than that of the province(11.61%)and the country(12.6%).This shows that the aging problem in Lanzhou is more serious than in Gansu Province and the national average,so the task of developing long-term care insurance is more urgent.Based on the social insurance model,from the perspective of consumers’ actual needs,this paper explores and sums up the problems that should be paid attention to in the construction of Lanzhou long-term care insurance system through actual investigation and combined with external experience and lessons and related theories.First of all,the article analyzes the necessity of developing long-term care insurance in Lanzhou.Secondly,the actual needs of Lanzhou residents for long-term care insurance are collected by questionnaire survey.After that,combined with the practice of typical countries in the world and domestic pilot cities,The results showed that the construction of long-term care insurance system in Lanzhou will have some obstacles in the future,such as insufficient awareness of long-term care insurance,serious waste of existing nursing resources,huge pressure on payment,high expectations for cash payment methods,and great difficulty in the construction of nursing teams.Finally,aiming at the related obstacles that hinder the development of long-term care insurance in Lanzhou,the author draws lessons from experience,and proposes to strengthen publicity and introduction,rectify existing nursing resources,strengthen the construction of high-quality nursing teams,establish a multi-level payment system,double-track parallel,and clear payment Measures to solve these problems.