Study On The Construction Of Long-term Care Insurance System For Disabled Seniors In Tai Zhou City

China stepped into an aging society in 1999,and the aging process was accompanied by the miniaturization and empty nesting of families,resulting in a sharp increase in the society's demand for pension and services.In recent years,China has paid more and more attention to the disabled elderly groups.In 2016,the Ministry of Human Resources and Social Security issued the "Guiding Opinions on the Pilot Project of the Long-term Care Insurance System of the General Office of the Ministry of Human Resources and Social Security"(Human Society issued [2016] No.80),determine the 15 cities nationwide to carry out the pilot long-term care insurance system,and explore the establishment of long-term care insurance system,Jiangsu Province,as a major economic province,its aging degree ranks third in the country,and Tai Zhou's aging degree ranks the fifth in the province.As the aging issue getting worse,the demand for elderly medical consumption has expanded,and the health management requirements for elderly chronic diseases are increasing.The nursing needs for the disabled elderly is huge and keep growing,and the contradiction between supply and demand is increasingly prominent.Therefore,Taizhou also began to try the long-term care insurance system in 2019.This article studies the current status of Taizhou's long-term care insurance demand from a macro and micro perspective and the necessity of establishing long-term care insurance in Taizhou.Some problems are found by analyzing the long-term care insurance in Taizhou City after a period of time: limited improvement in the quality of care for disabled people,multiple guarantees leads to repeated benefits,the need for further standardization of the care service market,evaluation criteria for disability needs to be improved and so on.Also the causes of the problems are analyzed in this article.At the same time,by studying the two different models of Japan and United States,and comparing the differences between the long-term care insurance system of Nantong and Shanghai from the perspectives of insured objects,financing methods,management and implementation effects,put forward suggestions on improving the long-term care insurance system in Taizhou.