Analysis On The Current Situation Of Long-term Care Insurance System In China

With the continuous improvement of China’s economic development and social level,the scale of China’s elderly population continues to expand and the speed of aging has accelerated.The health problem of the elderly population has attracted more and more attention.In the social reality of getting old before getting rich,facing the double impact of the surge of the elderly population and the reduction of the family population,China’s existing social security system is difficult to meet the nursing needs of the rapidly increasing elderly population.Exploring and establishing a long-term nursing insurance system is a strategic measure to deal with the aging of the population and promote social and economic development.With the help of national policies,Qingdao in Shandong province took the lead in piloting long-term care insurance as early as 2012.In 2016,two pilot provinces,Shandong and Jilin,and 15 pilot cities were established with the issuance of the Guiding Opinions on The Pilot Development of the Long-term Care Insurance System.In 2020,the General Administration of Medical Security and the Ministry of Finance jointly issued the Guidelines on expanding the pilot long-term Care Insurance System,which expanded the number of pilot cities from 15 to 49.Accelerate the establishment of a unified long-term care insurance system,promote the pilot to all parts of the country,so that more people benefit.This paper studied the policy documents of each pilot in Shandong province and Jilin Province,investigated the operation of the pilot,based on the social welfare policy analysis framework proposed by Gilbert and Terrell(1974).This paper comprehensively and systematically analyzes the current status of the long-term care insurance system in Shandong province and Jilin Province from four dimensions of distribution basis,content form,delivery system and fund source of social welfare.It is found that at present,the coverage of beneficiaries of long-term care insurance is narrow,the level of service payment is uneven,the form of service supply is not comprehensive enough,and there is excessive dependence on medical insurance funds.Further,it is proposed to balance the coverage of beneficiary groups,adjust service treatment according to the level of care,expand the form of service supply,and improve the financing mode of care insurance.This paper uses a more scientific and systematic new analysis mode,takes the current pilot status of long-term care insurance system in China as the research goal,analyzes and combs the problems it produces,in order to provide a certain theoretical basis and data support for the government to formulate a sound policy system.