我国长期护理保险制度建设的必要性及试点实践与思考

The necessity and pilot practice and thinking of the of long-term care insurance system construction in China

随着人口老龄化及失能老年群体规模扩大,家庭照护功能弱化,护理费用高,我国急需建设长期护理保险制度。文章通过对青岛、南通试点城市分析发现,目前我国长期护理保险制度建设处于探索阶段,存在法律缺失、筹资渠道较窄、受益比例底、专业服务人员少等问题,需借鉴他国长期护理保险制度建设成熟经验,为我国长期护理保险制度建设提供可靠建议。

With enlarging of population aging and disabled elderly population.Family care function is weakening,and the cost of nursing is high.It is urgent to build long-term care insurance system in China.Through the analysis of pilot cities of Qingdao and Nantong,long-term care insurance system is in exploratory stage at present.There are problems such as lack of legal basis,narrow funding channels,low benefit ratio and lack of professional service personnel.It is necessary to learn mature experience of long-term care insurance system construction from other countries so as to provide reliable advice for the construction of China's long-term care insurance system.