摘要
通过梳理15个试点地区长期护理保险制度的实施方案,对参保对象、基金来源、给付对象、评定依据、服务项目、服务形式以及待遇支付等进行比较分析。以老龄危机为背景,深入思考与探讨长期护理保险制度参保对象的覆盖、给付对象的界定、筹资主体的确定、保障内容的提供等问题,同时提出了针对性建议:参保对象应延伸至农村;给付对象暂定为重度失能失智老年参保者;筹资主体做到真正多元化;服务项目以生活照料为主;待遇水平体现出对居家护理的支持;给付形式引入现金给付。
Through summarizing the schemes of long-term care insurance in 15 pilot cities of China,this paper makes a comparative analysis on insured object,fund resources,benefit object,rating basis,service items,service forms,and payment of benefit.Under the background of aging crisis,the coverage of insured object,the definition of the benefit object,the determination of financing object,the provision of security content in long-term care insurance are deeply considered and discussed.Then,this paper puts forward some suggestions,including expanding the insured object to the rural areas,defining benefit object temporarily as the elderly with severe disability or severe dementia,diversification on the financing object and giving priority to daily care in the service items,giving support to the home care and introducing the cash payment.
出处
《社会保障研究》
CSSCI
2020年第1期48-56,共9页
Social Security Studies
基金
国家社会科学基金一般项目“建立城乡统一的社会养老保障制度体系研究”(17BSH044)
河南省哲学社会科学规划项目“福利混合视角下社会化居家养老模式研究”(2016BSH005)阶段性研究成果。
关键词
老龄危机
长期护理保险
试点方案
给付对象
保障内容
aging crisis
long-term care insurance
pilot schemes
benefit object
security content
