The System Research Of Long-term Care Insurance Under The Background Of Chinese Aging

Silver wave sweeping the world, an aging population has become one of the focus problems. The United States pioneered the elderly care insurance business in the 1970s, since then, the western developed countries and Japan have successively established long-term care insurance system. At present, the social care insurance and commercial care insurance which are the two big patterns in the world have been formed.As a populous country, China entered the aging society officially in 1999. Present situation of population in our country are as follows:aging population base, fast aging, old before rich, such as the imbalanced regional development. As the development of economic, science and technology level, as well as the consumption level of ascension, birth control leads to the miniaturization of family structure, lots of empty nest phenomenon, so people’s demand for long-term care is growing, but the cost of health, professional care is rising relatively. At the same time, our country social security system is not perfect enough, the long-term care is difficult to match the supply with demand. Long-term health nursing problems of the elderly in China gradually highlight which cause the attention of the people increasingly. At present, China’s pension system is perfect increasingly, but the long-term care insurance is still at the initial stage of exploration, the establishment of the long-term care insurance system in China need to be addressed. Therefore, our country should draw lessons from foreign advanced experience and combine the lessons with China’s national conditions, in order to explore how to build the long-term care insurance in our country, this has a realistic significance for alleviating the pressure of the aging.This article first introduces the condition of population aging, this paper expounds the background and significance of long-term care insurance system. Secondly, it analyzes the necessity of the long-term care insurance in our country, and further explains the long-term care insurance in our country to carry out the specific problems. On top of this, combine with the experience of long-term care in distinctive developed countries’ development for reference, it is concluded that long-term care insurances in United States and Japan enlighten our country’s. Finally, combined with the actual situation, the paper proposes the construction imagine and the countermeasures of long-term care insurance of our country.