With the deepening of the aging degree of Our country, the number of elderly population is increasing year by year. The long-term care of the disabled elderly has gradually become the most concerned part in the field of elderly care in recent years.

Who will take care of the disabled elderly? The only child faces the responsibility and pressure to take care of the elderly for a long time, which imposes invisible pressures in terms of human and time costs. In addition, more and more elderly people are separated from their children, and it is difficult for some children to take care of the elderly in time.

So why long-term care insurance? Long-term care insurance, is it feasible to rely on it?

Long protect danger all call long-term nurse insurance, point to is because of old, disease or disable and lose daily life take care of oneself ability, the person that needs long-term care provides nurse cost or nurse the insurance of service, be called "social security sixth insurance". In view of the pension needs to invest high manpower and material resources, and the pension can not support, medical treatment and comprehensive coverage of problems provided by a new insurance. It can avoid the risk of living care for disabled people and solve the basic living care and medical care for long-term disabled people.

After the long-term care insurance comes into effect, 12 hours of home care time can be obtained every month, and it is carried out by professional nurses. The family members can negotiate and arrange the length of each home visit according to their own situation, and carry out 32 nursing items such as cleaning care and rehabilitation care for the elderly.

Closing the health care gap

Medical treatment danger basically solves the problem of the medical treatment charge such as cure money, drug cost, serious disease danger basically solves the problem that the living expenses during recuperation and income reduce. But a lot of diseases will lead to the loss of basic living ability, after treatment still need long-term care, which is a potential underwater, need long-term future expenses, long-term care insurance to make up for the lack of long-term medical insurance & serious disease insurance, to solve the long-term cost of economic pressure.

Alleviate the care for the elderly

At present, as China's average life expectancy continues to rise, more and more elderly people are becoming disabled due to old age, which puts pressure on families to take care of them. The disabled elderly with multiple diseases need not only living care, assistance in dressing and eating, but also medical care. Even if children or relatives take care of them, they may not be able to take care of them well. Unlike ordinary elderly care services, long-term care providers cannot be found in the domestic market, and there are not so many nurses to work at home. The lack of long-term care services has always been a weakness of social security, which is increasingly prominent with the deepening of the aging degree, and long-term care insurance just fills this weakness.

Unleash the potential of consumption

On the other hand, the improvement of the old-age security system will also drive the release of social consumption potential. To enrich the rich of the existing old-age security system, will effectively reduce the young people to the problem of pension anxiety and concern, not only will increase people's work enthusiasm, also can further enhance the people's feeling, also can adjust the spending plan, improve the level of current spending, thereby expanding market demand, spur economic growth in high quality.

Full implementation of long Term Care Insurance

The Implementation Plan for Beijing to Actively Respond to Population Aging (2021-2025) was issued, proposing that the policy system, standard system, service system and management operation mechanism of the long-term care insurance system should be constantly improved, and a long-term care insurance system in line with municipal conditions should be implemented in the whole city at a timely time. Chongqing Medical Security Bureau has released a notice on expanding the pilot program of long-term care insurance, starting from Jan 1, 2022.

For the generation of only children, in the environment of family as the main pension, any old person in the ordinary family into a state of disability, it will mean that they will lose a precious normal labor income. Families of disabled elderly people have experienced this. When the elderly are unable to take care of themselves, there is an immediate shortage of staff, which affects their work and life. Moreover, as the stock of qualified nursing workers is far less than the actual demand, the price is also rising, often thousands of yuan of monthly expenditure, so that the so-called "a disabled old man crushing a family" has become a nightmare for many people. The trial implementation of "long-term care insurance" will not only help elderly people who live alone, who are disabled, disabled or who have lost their only child, but also reduce the pressure on families with only one child.