老龄化背景下我国试点城市长期护理保险发展困境及对策研究

Under the Background of Aging, My Country’s Pilot Cities Have Long-Term Nursing Insurance Development Dilemma and Countermeasures

在人口老龄化程度不断加深的今天,失能失智老人人数不断增加,家庭照护负担也在加大,使得老年护理的需求迅速增加,继而产生了诸多社会问题。在此背景下,长期护理保险制度应运而生,旨在减轻失能老人在家庭照料方面的经济压力,承担部分个人和社会在长期护理中所面临的主要风险。本文主要采用文献研究法,分析长期护理保险在我国试点城市发展遇到的困境,并根据发展的困境,提出要扩大长期护理保险参保人群覆盖范围、拓宽长期护理保险筹资渠道、拓展长期护理保险服务项目范围的对策建议。

With the continuous deepening of population aging, the number of disabled dementia is increasing, and the burden of family care is also increasing, which has increased the demand for elderly care, and then many social problems have been caused. Against this background, the long-term care insurance system came into being, which aims to reduce the economic pressure of disabled elderly in family care and bear the main risks faced by some individuals and society in long-term care. This article mainly adopts the literature research method to analyze the dilemma encountered in the development of long-term care insurance in my country’s pilot cities, and according to the dilemma of development, it is proposed to expand the coverage of long-term care insurance participation people, broaden the channels for long -term care insurance funding, expand long-term care insurance Countermeasures for service project scope.