| Aging has become a worldwide problem, some countries have successively enteredan aging society, followed by the burden of long-term care of older people is increasingand some countries choose to develop long-term care insurance to alleviate this problem,represented by the United States commercial long-term care insurance and represented byGermany, Japan’s social long-term care insurance is the main mode. With thedevelopment of social economy, the continuous improvement of medical technology, theaverage life expectancy of people gradually extend, elderly population proportion in thetotal population increasing. With the elderly population growth, the old people’s healthis not optimistic, the old man’s ability to resist disease is poor, easy to suffer from avariety of age-related diseases, and the incidence of the disease showed a trend of rising,the old man need to take care of more and more longer.The old man care generally borne by the family, mostly middle-aged, middle ageshould not only supporting the elderly, but also to support the next generation, but alsothe job responsibilities, which makes the old man care a lot of problems.Along with ourcountry the implementation of the one-child policy, the miniaturization tendency isapparent in the family structure, and more and more children choose separation withparents or children to go out to work with the old man living alone, the number of emptynesters and empty nest family are obviously increase, it makes aged care work pressure ismore and more serious, but let the old man nursing all rely on pension institutions andmedical agencies, all kinds of aged care spending and expensive, it causes significant tothe family from the human and financial burden. Therefore, the elderly care insurance ofthe research has important practical significance.This article conduct a study through to the present situation of elderly population,the change of family structure, medical care costs, etc, analyze the demand and thespecific requirementsfor the elderly care insurance in Shenyang.According to theShenyang statistical yearbook and questionnaire data, calculate the scale of the currentsituation and future trend of the elderly care insurance demand in Shenyang. Put forwardapreliminary assumption to build Shenyangelderly care insurance, and preliminaryestimates the payment rate of elderly care insurance.Through introduce the development experience of Japanese and Germany social care insurance and American commercialcare insurance system modes,summarizes the enlightenment to build elderly careinsurance in Shenyang. Come up with the policy suggestions of built to the elderly careinsurance that adapt to Shenyang, in order to improve the quality of life in old age,relieve aged care brings to the society and family economic and mental burden, furtherconsummates our country social security system. |
