长期护理保险对受益人他评生活满意度的影响研究

A study on the effect of long-term care insurance on observer-rating life satisfaction of beneficiaries

自2016年中国启动长期护理保险试点以来,各地探索出了不同的运行模式。本文基于长期护理保险试点地区受益人群的调查数据,以保险受益人的他评生活满意度为效果指标,比较不同的长期护理保险运行模式对受益人生活状况的影响,并揭示造成差异的原因。研究发现,通过维护失能者的健康状态,缓解家庭的经济负担,长期护理保险会显著改善失能者的生活境况;但现金、服务和混合三种待遇给付模式下的效果存在显著差异,服务给付对受益人他评生活满意度的提升效果最好,现金给付效果最差;与非正式照料服务相比,正式照料服务对他评生活满意度的提升效果更好。

Since China launched the long-term care insurance pilot in 2016,different operating modes have been explored in various places.Based on the survey data of beneficiaries in long-term care insurance pilot areas,this paper compares the impact of different long-term care insurance operation modes on the living conditions of beneficiaries and reveals the reasons for the differences.The study found that by maintaining the health status of the disabled and alleviating the financial burden of their families,long-term care insurance significantly improves the living conditions of the disabled.However,there are significant differences in the effects of cash,service and mixed payment modes.Service payment has the best effect on the improvement of beneficiaries’life satisfaction,and cash payment is the worst.Compared with informal care services,formal care services have a better effect on improving life satisfaction.