Full name 1. Long-term care insurance is long-term care insurance, which is called "the sixth insurance" after "five insurances and one gold". China has the largest elderly population in the world, which is closely related to the large population base and the rapid growth of the elderly population. While the proportion of the elderly population in China is increasing, the newly added population has not increased correspondingly.
2. Long-term care insurance is conducive to alleviating the pressure of family pension, so that the younger generation does not have to carry the three mountains of "work, the elderly and children". At present, China's basic social security system is still in the primary stage, and nursing services are not included in the scope of social security, so the elderly bear huge pressure on medical expenses and nursing expenses.
3. Some disabled people may feel insecure because they have no financial resources and need long-term medical treatment and care. Long-term care insurance helps to safeguard the dignity of the disabled and improve their quality of life.
4. More than one tenth of the elderly can't take care of themselves in basic life such as dressing, eating, bathing and going to the toilet. The decline of basic self-care ability is accompanied by the decline of independent living ability, and 25.4% of the elderly need all-round care. With the aggravation of the aging problem, it is urgent to establish a long-term care insurance mechanism. With long-term care insurance, the elderly who are disabled, demented and unable to take care of themselves can reduce the heavy economic burden such as high nursing expenses and better protect their nursing life.
5. Long-term insurance participants can apply for disability assessment of long-term care insurance in the following ways: online application through the platform of long-term care insurance information system; Submit a written application to the long-term care insurance handling window or the service window of the agency; Apply to the designated township (street) long-term care insurance department. Persons with disabilities or guardians participating in "long-term care insurance" can choose their own service types, including: designated service institutions provide institutional care services and home-based care services, and individual service providers provide home-based care services.