我国社会长期护理保险制度构建研究

A Study on the Construction of Social Long-term Care Insurance System

随着人口老龄化和失能老人规模的不断扩大,老年人的长期护理保障问题逐渐成为人们日益关注的焦点。当前,虽然许多城市和地区先后开展了长期护理保险制度试点工作,但制度模式的共识性还比较模糊。为了给予绝大多数失能老人的长期护理以资金和服务保障,亟须提出社会长期护理保险制度的全国方案。因此,本文拟从制度突破口、覆盖对象和服务内容、筹资机制、需求评估机制、经办管理等方面探讨建立适合当前我国国情并能在全国推广的社会长期护理保险制度基本框架。

With the aging of the population and the growing scale of disabled elderly,the issue of long-term care has gradually become the focus of attention.At present,although many cities and regions have launched the pilot work of long-term care insurance system,the consensus of the system is relatively vague. It is urgent to put forward a national plan for social long-term care insurance system,in order to support the funds and services of the long-term care of most of the disabled elderly. Therefore,this paper discusses the basic framework of the social long-term care insurance system from the aspects of the system breakthrough,the coverage object and the service content,the financing,the demand assessment,and the management mechanism. And the system mentioned above will be suitable for the current national conditions and can be popularized all over the country.