我国形成长期失能风险的国情因素及对策研究

National Conditions in Forming Long-term Insurance for the Disabled and Study on Countermeasures

人口老龄化不是坏事,恰恰是社会进步的成果和标志。我国老龄化的特点是来势过快过猛,由此带来一定的社会风险,最突出的是老年人口因认知能力的退化或丧失而导致的失能风险。为此,加快建立长期照护保险制度应作为"十三五"期间健全社会保障体系、全面建成小康社会的一项战略举措。建立长期照护保险制度应统一步调,在试点的基础上,城乡一体化推进;处理好人口结构与经济结构的关系,逐步从"未富先老"转变为"边富边老";加强立法,建设法治长期照护保险,实现公平可持续。

Population aging is not a negative thing, but a result and sign of social development. The population aging of China is characterized by excessively fast, which has brought some social risk, in which the most prominent issues are the disability due to cognitive function degradation or loss. Therefore, accelerating the establishment of long-term care insurance system should be an important measure to improve the social security system and to comprehensively build a moderately well-off society during ＂the 13 th Five-year Period＂. To establish long-term care insurance system, it should take action in a unifi ed pace, and based on pilot studies, be promoted jointly in urban and rural areas. By handling properly the relationship between population structure and economic structure, it might gradually change the status of ＂premature aging＂ to the status of ＂aging while getting rich＂. It should also strengthen the legislation, the construction of long-term care insurance law to promote it sustainable development.