Health

Let long-term care insurance provide stable care in old age

2025-07-01   

Improving institutional design requires collaborative efforts from multiple parties, further breakthroughs and innovations in service supply reform, and equal emphasis on temperature and precision in the cultivation of long-term care talents, in order to create a fair and reliable long-term care system. On June 14th, 88 candidates from 7 provinces including Tianjin, Hebei, Shanxi, Liaoning, Heilongjiang, Jiangsu, and Shandong walked into the examination room of Chengde Nursing Vocational College in Hebei to participate in the Long term Care Teacher (Level 5) Vocational Skill Level Certification Examination. This is the second exam for the new profession of long-term care provider nationwide, following Nantong in Jiangsu province. At the same time, Guangdong has successfully hosted the exam, and Tianjin and Chongqing, two municipalities directly under the central government, are also ready to start the exam soon. Long term care providers are emerging professions established by the government to address population aging and improve the long-term care insurance system. Since the pilot launch of long-term care insurance in 2016, 300000 people across the country have been engaged in related work. Strengthening top-level design, improving policy operation mechanisms, and training relevant talents reflect innovative breakthroughs in elderly care plans - the long-term care insurance system is quietly weaving a safety net to protect the elderly. According to data from the National Health Commission, there are over 45 million elderly people with disabilities and dementia in China, with an average of 1 in every 6 elderly people requiring long-term care. Against the backdrop of the accelerated pace of social life, the traditional family's elderly care function continues to weaken. Under the "421" family structure, the younger generation faces a sudden increase in support pressure, and even a situation where "one person is disabled and the whole family is imbalanced" has emerged. Establishing a long-term care insurance system is a major decision and deployment for China to address population aging, and an important institutional arrangement to fill the gaps in the field of people's livelihood. Long term care insurance provides nursing protection and financial subsidies for individuals who are disabled, unable to take care of themselves, and require long-term care due to illness, disability, old age, and other reasons. It can effectively alleviate the dual pressure of family care and economic burden on disabled individuals. According to the decision and deployment of the Third Plenary Session of the 20th Central Committee of the Communist Party of China, the National Healthcare Security Administration is working with relevant departments to accelerate the establishment of a long-term care insurance system with the goal of establishing independent insurance types, covering the whole population, unifying policy norms, and adapting to China's national conditions, effectively reducing the burden of nursing service fees for disabled persons. In 2016, the country launched a pilot program for the long-term care insurance system, and in 2020, the pilot work was steadily and orderly expanded to 49 cities... In the past 9 years, the overall progress of the pilot work has been smooth, and the stage goals have been basically achieved. As of the end of last year, the long-term care insurance system covered nearly 190 million people, with over 2.7 million disabled insured persons enjoying benefits and fund expenditures exceeding 85 billion yuan. It is no longer a luxury for disabled elderly people who are bedridden for a long time to take regular showers and avoid bedsores. Not only that, the pilot of long-term care insurance also expands employment channels and creates job opportunities by gathering capital scale effects and leveraging institutional platforms, driving the rapid development of the elderly care service industry and the health industry. Data shows that the long-term care insurance system has provided about 300000 job opportunities and stimulated social capital investment in related industries by about 60 billion yuan. At the same time, the pilot process has also revealed problems and difficulties in promotion, such as insufficient sustainability of funding sources, poor professionalism of nursing service teams, lack of objective third-party evaluation, and the need to improve the level of technological empowerment. The experience accumulated from the pilot practice also provides reference for establishing a unified national long-term care insurance system in the future. At present, the National Healthcare Security Administration has issued 13 policy measures to guide the standardization and unification of existing pilot cities, narrow institutional differences between regions, and lay the foundation for the next step of comprehensive establishment. It is worth noting that some places have already conducted more innovative explorations. Some cities, even though their finances are not abundant, have achieved full coverage of long-term care insurance in advance; Some cities have created "time banks" and long-term care models, opening up new ideas for the long-term care and protection of disabled individuals. These explorations reflect the sense of responsibility and foresight of the local government towards the future and actively responding to the challenges of the silver age society. The construction of long-term care insurance system is related to the interests of millions of disabled people, and is a livelihood project and a popular project that requires overall planning and participation from the whole society. Improving institutional design requires collaborative efforts from multiple parties, further breakthroughs and innovations in service supply reform, and equal emphasis on temperature and precision in the cultivation of long-term care talents, in order to create a fair and reliable long-term care system. We look forward to the early implementation of a unified long-term care insurance system nationwide, so that more elderly people can have a stable old age. (New Society)

Edit:XieYing Responsible editor:ZhangYang

Source:news.cctv.com

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