“one person is disabled and the whole family is unbalanced”, which is a true portrayal of the family of the elderly with disability and dementia. The pension challenge of the elderly with disability and dementia has aroused widespread concern in the society
In February this year, the national plan for the development of the cause of aging and the elderly care service system during the 14th Five Year Plan period issued by the State Council made it clear that during the 14th Five Year Plan period, China’s population aging will further deepen, and the proportion of the population aged 60 and over will exceed 20% of the total population, entering a moderately aging society.
More and more families will assume the responsibility of caring for the disabled and mentally retarded elderly. How to solve the dilemma of “institutions can’t treat, hospitals can’t support and families can’t care” has become a problem of Lbx Pharmacy Chain Joint Stock Company(603883) concern.
In July 2016, the Ministry of human resources and social security issued the guidance of the general office of the Ministry of human resources and social security on carrying out the pilot of long-term care insurance system, clearly exploring the establishment of long-term care insurance system. The establishment of long-term care insurance is conducive to protecting the basic living rights and interests of disabled persons and improving their decent and dignified quality of life.
today, the State Council Information Office held a briefing on the revision of the government work report. The deputy director of the Research Office of the State Council introduced to the East that in terms of benefiting people’s livelihood, the opinions and suggestions of the representatives and members were relatively concentrated, and nearly 30 amendments were made in the fields of education, health care, social security and services. In terms of social security and services, the government work report added “steadily promoting the pilot of long-term care insurance system” in the revision
During the two sessions of the National People’s Congress and the National People’s Congress, many representatives and members made suggestions for the steady advancement of the long-term care insurance system. They put forward suggestions from two aspects: first, clarify the social security “sixth insurance” status of long-term care insurance through legislation; Second, broaden the financing channels of long-term care insurance.
establish the status of “the sixth insurance” of long-term care insurance
Zhou Yanli, member of the National Committee of the Chinese people’s Political Consultative Conference and former vice chairman of the China Insurance Regulatory Commission, said that so far, 21 insurance companies have participated in 169 long-term care insurance pilot projects in 28 provinces, cities and autonomous regions, covering more than 130 million people and providing long-term care treatment to more than 700000 disabled elderly.
In order to promote the sustainable development of the long-term care insurance system, Mei, deputy to the National People’s Congress and director of Jiangxi Medical Security Bureau, also proposed in the “suggestions on promoting the sustainable development of the long-term care insurance system” to speed up the legislative process of long-term care insurance as the “sixth insurance” of social security.
Mei also said that at the legal level, the current social security system includes pension, medical, industrial injury, unemployment and other systems, but does not include the security system for long-term disabled persons. Long term care insurance system is an institutional arrangement to make up for the gap of social security system. In order to solve the legal positioning of long-term care insurance, it is necessary to speed up the legislative process of medical security law, clarify the legal positioning, implementation subject, financing mechanism, guarantee scope and supervision responsibility of long-term care insurance, promote the legalization of long-term care policy, long-term care system and long-term care governance, and realize that there are laws to follow for long-term care insurance.
Hu Meiying, deputy to the National People’s Congress, chief nurse of Jiangxi Children’s Hospital and chief of the information section, said that legislation should be implemented first at the national level, a special chapter on “long-term care insurance” should be added to the social insurance law, and the long-term care insurance system should be incorporated into the social security system. This will provide a strong legal basis for the operation of long-term health insurance and long-term health insurance for the elderly.
Zheng kuicheng, deputy to the National People’s Congress and director of Fujian CDC, called for speeding up the formulation of a long-term care insurance law suitable for China’s national conditions. Specifically, nine aspects need to be clarified, including the responsibility sharing and obligations of the state, units and individuals; Source of funds and payer; The principle of universal access; The mode of combining social overall planning with individual account; Beneficiary qualification and distribution conditions; Methods and contents of nursing services; Nursing service providers; How to carry out risk control; How to conduct quality monitoring.
establish and improve the multilateral fund-raising mechanism
From the pilot situation, the financing mode of long-term care insurance is not perfect. Ruan Shiwei, member of the National Committee of the Chinese people’s Political Consultative Conference and vice chairman of the Fujian Provincial People’s Political Consultative Conference, believes that the financing structure of long-term care insurance is unreasonable, and the growth space of the financing model based on unit and individual payment and supplemented by financial and other channels is very limited. At the same time, the funds invested by various departments in aging are lack of overall coordination, seriously fragmented, and fail to effectively serve the disabled groups.
“The fund-raising of long-term care insurance should reflect the principles of mutual assistance and responsibility sharing, and establish and improve multilateral fund-raising mechanisms such as financial subsidies, individual contributions, unit contributions and social donations.” Mei also said that it should be clear at the national level that governments at all levels should take the lead in coordinating fund-raising channels, and establish a fund-raising mechanism with multilateral inputs such as financial funds, endowment insurance funds, industrial injury insurance funds, relief funds for difficulties, public health funds, charitable endowment funds, lottery public welfare funds, medical insurance funds and medical assistance funds, Ensure the sustainable and healthy development of long-term care insurance.
Sun Jie, member of the National Committee of the Chinese people’s Political Consultative Conference and professor of the National Institute of opening up of the University of foreign economic relations and trade, said that the structure of the basic medical insurance account for urban workers can be adjusted, about 0.2% of the payment from the employer can be transferred into the long-term care insurance fund, and a certain proportion or even all of the funds in the personal account can be transformed into the long-term care insurance fund to reduce the pressure on the medical insurance fund; We can also formulate preferential policies to attract social funds, encourage the wide participation of social organizations, further expand financing channels and improve the service capacity of long-term care insurance.
\u3000\u3000 “At the same time, we should also strengthen fund supervision. Long term care insurance is an independent system. It is suggested that we can refer to the relevant systems of social insurance funds to establish separate accounts and independent accounting for long-term care insurance funds. We should earnestly perform the supervision responsibility for nursing service providers, evaluation institutions and other subjects, improve the agreement management, supervision and audit system, establish a scientific evaluation, entry and exit mechanism, and maintain a good reputation We will combat the high-pressure situation of fraud and insurance fraud and build a fund security prevention and control mechanism in all fields and processes. ” Mei also said.
