Research On Long-Term Care Insurance Legal System Of China

As the aging of our population aggravates,more and more people cannot take care of themselves because of senescence,chronic diseases,accident,etc.And they are in the urgent need of long-term care support.However,families which provided long-term care support are becoming smaller and smaller and Women gradually join in the social work.Therefore,families can hardly provide long-term care support just like before.At the same time,current social security system and business insurance cannot satisfy the demand of disabled people.In this situation,long-term care insurance appears and becomes the important measure of dealing with aging population.In the view of law,this paper is a study of long-term care insurance and legal system.It introduces concepts and features of long-term care and long-term care insurance,and compares long-term care insurance with some other systems,such as pension,medical insurance and government purchasing elderly services.Then,it shows the necessity and legal basis of establishing long-term care insurance from the view of Reality and theory.Next,it introduces the policy and pilot project of long-term care insurance in china.Meanwhile,it shows the legal system of long-term care insurance in Japan,German,America and analyzes Specific system designs,features and gives some suggestions of establishing long-term care insurance in China.Considering conditions of our country and foreign experience,the government of our country should play a leading role in establishing long-term care social insurance,which should be the sixth social insurance except for pension,medical insurance,unemployment insurance,Injury insurance and maternity Insurance.And long-term care social insurance should be written into national legislation.As for Specific system design,long-term care insurance is designed for the elderly and people who are going to be the elderly soon.Employers and employees should Pay insurance premiums and government Gives financial subsidies when necessary.Long-term care insurance treatments can be divided into several kinds according to the degree of disability.When disabled people meet specific conditions after evaluation,long-term care insurance should provide them with different kinds of daily life care and some medical care which is related to daily life.Long-term care insurance is the effective measure to take to handle with aging population.It reflects the respect and protect of the disabled people from our country.Furthermore,long-term care insurance will bring a fair,harmonious and stable world for us.