Long-term care w88 login15Regions have launched pilot projects. Who pays for the “sixth largest w88 login”?

China Times (Reporter Wang Xiaohui)After years of advancement, the long-term care w88 login system has finally risen from local exploration to the national level.

7month89669_9735159761_98021-2years, explore the establishment of a social w88 login system that provides basic living care and medical care for long-term disabled people.

"Select this15There are three main reasons for the pilot project in this region: first, the local government is willing to participate; second, there is strong local financial support; and finally, the local medical w88 login fund must have a balance. ”7month13Day, the long-term care w88 login system has been implemented for many yearsSun Jie, Vice Dean of the w88 casino of Insurance, w88 casinoIn an interview with a reporter from China Times, he said that the aging of the population and the miniaturization of families have put forward new requirements for elderly care to move from home care to socialization. Long-term care w88 login should be developed into the sixth social w88 login system in addition to my country's existing "five insurances".

According to the reporter’s understanding, among the areas included in the first batch of pilot projects this time, Qingdao City in Shandong Province, Changchun City in Jilin Province, Shanghai City and other places have previously carried out exploration of long-term care w88 login systems.

Not yet covering urban and rural residents

The so-called long-term care w88 login system is mainly an institutional arrangement that focuses on providing nursing care and financial compensation for the insured when he or she loses his/her ability to live in daily life, becomes ill or dies in old age.

In our country, this w88 login has been2013It was only in the 2000s that it gradually became recognized by everyone, and began to appear in important plans of the country or the w88 login industry year after year. So, what does long-term care w88 login mean for people who need long-term care? How much need does my country's disabled elderly have for the "long-term care" system?

There are statistics showing that as of2015At the end of the year, our country has60Older people over 13 years old2.2billion, of which over 100 million are disabled or semi-disabled elderly people4000Ten thousand people, these elderly people and their families are unable to afford the high costs of long-term care services. Government subsidies are limited and far from meeting the growing demand for long-term care services.

The reporter learned through an investigation in a geriatric hospital that most of the care for disabled or semi-disabled elderly people is three people in a room, cared for by one caregiver. The caregiver fee is shared equally among three people, and the daily payment for each person is between70-100Yuan, because this expense cannot be reimbursed through the employee basic medical w88 login; therefore, each person must pay at least out of pocket every month2100Nursing fees of more than 14359_14395|yuan. As of now, the average monthly pension for corporate retirees in Beijing is no more than3355yuan, that is to say, the expenditure on nursing care alone has exceeded 60% of the elderly pension.

With the strengthening of my country's medical w88 login reform, medical w88 login coverage is increasing day by day, and the reimbursement ratio is also increasing. With the addition of critical illness w88 login, medical assistance, etc., the shortcomings of medical w88 login are gradually being filled piece by piece, and the individual burden of patients is getting lighter and lighter. Relatively speaking, long-term care fees have become a heavy burden.

It is worth mentioning that the "Guiding Opinions" clearly require the formulation of differentiated treatment and security policies based on the level of care, service provision methods, etc., and for long-term care expenses that meet the regulations, the payment level of long-term care w88 login funds is generally controlled at70%About. In other words, once long-term care w88 login is implemented, the elderly in the above case only need to pay out of pocket every month630Around 15748_15754|yuan.

“Long-term care w88 login is an important measure to deal with the aging of the population and appropriately reduce the burden of long-term care on the insured. However, at present, due to different financing entities, the pilot will start with the people insured by the basic medical w88 login for employees, and it has not yet covered urban and rural residents.”Sun JieAt the same time, it was stated that the national unification of disability grade identification and nursing service grade evaluation standards should be achieved as soon as possible to eliminate obstacles to the promotion of long-term care w88 login.

Where does the money come from?

It is urgent to establish a long-term care w88 login system, but who pays for long-term care w88 login?

Regarding the most important source of funds for the long-term care w88 login system, the "Guiding Opinions" clearly stipulate that in the pilot stage, funds can be raised through optimizing the employee medical w88 login accounting structure, transferring the balance of the employee medical w88 login co-ordination fund, and adjusting the employee medical premium rate, and gradually establish a multi-channel, dynamic financing mechanism.

So, what proportion is appropriate to transfer from the balance of the medical w88 login fund? Will it have an impact on local basic medical w88 login fund payment?

"In terms of attributes, long-term care w88 login has pension and medical functions. Previously, it has been discussed whether the funds should be allocated from the pension fund or the medical w88 login fund. This provision of allocation from the medical w88 login fund is also an expedient plan. As for the proportion of allocation, there is no unified regulation. Each place determines according to its own fund balance. For example, Qingdao's allocation proportion is the balance of the medical w88 login fund0.2%。”Sun Jiesaid that Qingdao explored this type of w88 login relatively early and the operation has achieved good results so far.

According to the reporter’s understanding,201219915_199562015Handed over to commercial w88 login institutions, as of2015Year10Month, already available in Qingdao4More than 10,000 disabled elderly people enjoy nursing w88 login benefits.

However, due to the lack of a national-level institutional system, Qingdao has inevitably encountered some confusions and problems that need to be solved during its exploration, such as the institutional positioning of long-term care w88 login, financing methods, security standards, disability identification standards and processes, connection with the basic medical security system, and handling services.

“The fact that urban and rural residents are not involved in the pilot is also related to the channels for raising funds. The cost of long-term care w88 login is very high. However, for urban and rural residents, especially those without employment units and stable sources of income, the feasibility of continuous payment is relatively small.”Sun Jiesaid that at present, a large part of the medical w88 login for urban and rural residents depends on subsidies from the central and local finances. Once a new w88 login type is added, the financial burden will be greater and the sustainability of the system will also be affected. For this reason, the time for a comprehensive pilot is not yet too mature.

However, it is not realistic to allocate funds from the existing urban and rural residents’ medical w88 login funds, because, like the urban employees’ medical w88 login funds, the urban and rural residents’ medical w88 login funds in some areas also suffer from deficits.

Financing is a key issue for long-term care w88 login systems. Yang Yansui, director of the Employment and Social Security Research Center at Tsinghua University, suggested in an interview with a reporter from the China Times that "my country can establish integrated social security accounts based on the personal financial life cycle to allow various social security funds to achieve mutual development. For example, after an individual owns his first home, the housing provident fund can be converted into occupational pensions and long-term care w88 login, thereby realizing mutual assistance and development among w88 login funds."

Judging from foreign development experience, long-term care w88 login mainly includes subsidy model, social security model, commercial w88 login model and mixed model. The subsidy model is to purchase long-term care services through government finance; the social w88 login model is to promulgate the nursing w88 login law by the government and raise funds from individuals, enterprises and the government; the essence of the commercial w88 login model is to launch a market-oriented financial product.

Attachment: Original link

http://www.chinatimes.cc/article/58679.html