摘要
系统梳理试点城市城乡居民长期照护保险的实施方案和实践情况,从筹资、经办、服务三个角度构建理论分析框架,对试点城市城乡居民长期照护保险的筹资渠道、筹资标准、财务模式,政策法规、经办模式,服务形式、服务项目、待遇给付、给付对象、评定工具等的异同进行评析。以长期照护保险扩围为背景,深入思考其在筹资、经办、服务等方面的问题,并提出如下制度优化策略:构建多元化筹资渠道,科学厘定筹资标准,实行部分积累制财务模式,健全相关法律法规,全面推广"社商协作"经办模式,倡导"就地养老"照护理念,丰富生活照料项目,优化失能评估工具。
By systematically reviewing the plan and implementation of long-term care insurance for urban and rural residents in pilot cities,this paper constructed a theoretical analysis framework from the perspectives of pooling,handling and service providing,and evaluates their similarities and differences in pooling channels and standards,financial models,policies and regulations,handling modes,service forms and items,benefit payments,beneficiaries,and assessment tools.Against the background of pilot expansion,we analyzed problems of the pilot scheme in terms of pooling,handling and service providing,and proposed the following optimizing strategies:developing diversified pooling channels,scientifically determining pooling standards,adopting a financial model of partial accumulation,beefing up relevant laws and regulations,comprehensively promoting collaboration of insurance agencies and commercial organizations,encouraging “aging in place”,enriching types of services provided and optimizing disability assessment tools.
作者
刘昊
李强
LIU Hao;LI Qiang(College of Public Administration,Shandong Agricultural University,Tai’an 271018,Shandong Province,China;College of Economics and Management,Shandong Agricultural University,Tai’an 271018,Shandong Province,China)
出处
《老龄科学研究》
2021年第11期40-54,共15页
Scientific Research on Aging
基金
国家社会科学基金项目“长期照护保险制度试点模式效果评估与路径优化研究”(19BGL199)。
关键词
长期照护保险
城乡居民长期照护保险
制度优化
long-term care insurance
long-term care insurance for urban and rural residents
systematic optimization
