美国长期护理保险面临的挑战与启示

On the Challenge and Enlightenment of the Long-term Care Insurance in America

我国老龄化趋势日益加重,失能人数急剧增加,长期护理需求不断上升,亟待建立一套适合中国国情的长期护理保险制度。我国的长期护理保险制度仍处于起步阶段,发展尚不完善。美国的长期护理保险制度发展已经比较成熟,作者梳理了长期护理保险在美国的发展与挑战,总结概括美国发展长期护理保险的实践经验,以美国的实践经验为基础,结合我国基本国情从发展方式、筹资模式、赔付方式、护理方式、产品设计五个方面提出发展长期护理保险的建议。

China's aging trend is increasing, the number of disabled people is increasing sharply, and the demand for long-term care is rising. It is urgent to establish a long-term care insurance system suitable for China's national conditions. China's long-term care insurance system is still in its infancy, and its development is still not complete. After more than 40 years of development, the US long-term care insurance system has matured. This article summarizes the development and challenges of long-term care insurance in the United States, summarizes the practical experience of developing long-term care insurance in the United States. Combined with China’s basic national conditions on the basis of practical experience of the United States, some proposals of developing long-term care insurance in China are put forward from five aspects: development mode, financing mode, payment method, nursing method and product design.