Benefit Design Scheme Of Long-Term Care Insurance

The impact of the aging,the shift of the family structure and family function,the rising of women’s labor participation rate who used to bear the main nursing responsibility,the increase proportion of old people who live alone which result from generational living form’s change,rising prices,the promotion of expectation of old people for medical treatment quality,and other factors,suggest that the elderly long-term care problem has become a social problem.Some countries,such as Netherlands, Germany, Japan, South Korea, have introduced the long-term care system of social insurance,hoping that long-term care demanders can be properly taken care by the social aid,with the law of large number.Study of long-term care insurance benefit design scheme has the following significance:(1) Benefit design scheme is the first step to make people to receive long-term care insurance; (2) Benefit design scheme is the most intuitive reflect that long-term care insurance as a social insurance shall be the fair justice; (3) The efficient allocation of care resources,as well as reasonable benefit design scheme and rational use, enables the long-term care insurance system to lasting operation.The content of this study is planning long-term care insurance benefit design scheme, including the benefit design principles, eligibility, pay level, benefit programs, payment process and cost control. This research through the comparative analysis of foreign long-term care insurance payment system, combined with the existing long-term care services development situation in our country, put forward to our long-term care insurance benefit design scheme of the specific policy recommendations.This paper puts forward the following suggestions:(1) Long-term care insurance system should be universal to fulfill the objective of equity, but eligibility criteria for the long-term care insurance should base on age categories and types of disability.Therefore,only the old people who are more than 60 years old and have the care needs of the elderly are eligibility for long-term care insurance; (2) The paper formulate appropriate payment level combined with the international standard and China’s actual situation; (3) Eligibility are provided different types of benefits according to specific circumstances, and they are encouraged to choose real benefit; (4) Standard nursing service institution, priority to the development of community-home care institution; (5) The supervision and inspection agencies involved in the nursing institutions regulation to prevent the occurrence of moral hazard.