With the deepening of population aging, by the end of 2021, the number of disabled and partially disabled elderly people in my country has exceeded 40 million.

In order to allow more disabled elderly people to enjoy a dignified and high-quality old age, my country has been piloting a long-term care insurance system for six years, which has covered 145 million people in 49 cities across the country.

　　The protection object of the long-term care insurance system is the elderly who have lost the ability to take care of themselves, that is, the "disabled elderly".

According to the six internationally accepted evaluation indicators: eating, dressing, getting in and out of bed, going to the toilet, walking indoors, and taking a bath, if one or two of them cannot be done, it is defined as mild disability, and if three to four cannot be done, it is defined as Moderate disability, defined as being unable to do five to six tasks, is severe disability.

Insured persons with different degrees of disability enjoy different long-term care insurance benefits.

　　Since 2016, 49 cities in my country have established a long-term care insurance system on a pilot basis, starting from the population participating in urban employee medical insurance, and raising funds from the employee basic medical insurance premiums paid by them, which are handled by commercial insurance companies. Nursing facilities purchase professional services.

If you choose home care, there will be designated nursing institutions to provide professional nursing services.

The elderly Wang Miqu, a resident of Wenjiang District, Chengdu, was assessed as a severe level 2 disability. Since September last year, he can receive a care subsidy of 1,437 yuan per month. He also has 8 door-to-door nursing services from professional institutions, including massage, bathing, shampooing, Cut nails etc.

Chen Yu, a resident of Xuefu Community, Tianfu Street, Wenjiang District, Chengdu City, Sichuan Province:

In particular, they came to give us nursing care, which relieved a lot of my burden and taught me a lot of nursing methods and knowledge.

　　Long-term care insurance participants can also enjoy fee reductions in nursing homes.

Ni Huaying, a 96-year-old man from Rugao, Jiangsu, suffers from Alzheimer's disease and is unable to take care of himself. He is rated as moderately disabled.

If you stay in a local long-term care insurance designated nursing home, the bed fee is 75 yuan per day, and the subsidy is 40 yuan through the nursing insurance. The elderly and children only need to pay 35 yuan.

In the nursing home where she is located, about 90% of the elderly who "take" insurance have been admitted.

Liu Chun, Dean of Shencheng Nursing Home in Rugao City, Nantong City, Jiangsu Province:

Because we are basically the disabled elderly, our service is actually the integration of medical care and nursing care.

　　How to pay long-term care insurance premiums?

Multi-channel funding mechanisms are being explored everywhere.

In Shenzhen, the premium of long-term care insurance is based on the average monthly salary of the employees in the city in the previous year, and is charged monthly at a rate of 0.1%. Among them, employees are paid by the employer and individuals at a rate of 50%, retirees, residents and others. Personnel are paid by individuals, while those in need are paid by financial subsidies.

In Nantong, Jiangsu, the financing standard for long-term care insurance is 100 yuan per person per year.

Gu Zhongxian, a second- level researcher at the Nantong Municipal Medical Security Bureau, Jiangsu Province:

Individuals only need to pay 30 yuan a year. Our medical insurance fund also subsidizes 30 yuan and another 40 yuan from financial subsidies.

　　In order to reduce the pressure of long-term care insurance premiums on the expenditure of medical insurance funds, experts suggest that the principle of "financial support and personal payment" should be followed, and the establishment of a multi-funding mechanism should be accelerated. It is also urgent to speed up the training of professional nursing talents.

Du Peng, Vice President of Renmin University of China:

To attract more talents, what is needed is the expectation of establishing a stable career.

Like medical staff, he can go from nurse to nurse to director, and there are a series of promotion channels. Nursing staff in our elderly care institutions can have a clear career development path.

The second is through the government to increase subsidies in this area, so that the corresponding income treatment can attract professional personnel to join.

(CCTV News Client)