Japan's Long-term Care Insurance System And Its Enlightenment To Our Country

With the accelerating of population aging society,the average life expectancy of the population is rising and the problems of the disable elders and the oldest elders are becoming concerned socially.Its main effects are the rising workload and difficulty of long-term care insurance.Internationally,there are four types of long-term care insurance: commercial insurance,welfare social insurance,social insurance and welfare insurance.The funds of commercial insurance come from the insurance premium of insurance company,the funds of welfare insurance come from the taxes paid by the administrative departments,the funds of social insurance come from the insurance premium paid by units and individuals and the funds of welfare insurance come from insurance premium and taxes.Japanese insurance is welfare insurance and is the fifth social insurance.With long-term care insurance system,Japan solves burden to families and society caused by the need of long-term care.Japan has accumulated some experiences and lessons,which are helpful to our country,dealing with the ageing population problems.The paper introduces the establishment and reforms of Japan's long-term care insurance system.The paper analyzes its basic content and the characteristics of various stages of the reforms.It also analyzes its operation mode,financial operation mode,and the standard of service.The paper explores how to reduce the burden of elders' financial condition.It analyzes the sources of funds through financial transfer payment.It also analyzes the standardized services through the capability assessment of disabled elders and the content of long-term care.Using Japan's experience for reference,the aim of this paper is to find the revelatory content of developing long-term care insurance system in our country.The study found that fund raising mode,payment model,services standardization,and accurate service cases are worth learning.Furthermore,with adult guardianship system,long-term care insurance system can be implemented efficiently.