Long-term care insurance, also known as "long-term care insurance", is known as the "sixth insurance" in addition to social insurance such as pension, medical care, and maternity, and is a kind of social insurance that provides basic life care for people who are disabled due to old age, illness, disability, etc. The assessment of the level of disability is an important part of this mechanism, and its conclusions are related to the entitlement of benefits and the payment of funds.
Yesterday (6th), the National Health Insurance Administration issued the "Measures for the Management of Designated Appraisal Institutions for Long-term Care Insurance Disability Rating (Trial)", which stipulates the determination, operation management, supervision and management of designated assessment institutions, and promotes the fixed-point management of long-term care insurance disability rating assessment institutions to be more standardized, standardized and scientific.
The long-term care insurance pilot has been piloted for eight years, covering 180 million people in 49 cities
As an important institutional exploration to cope with aging, the mainland organized 15 cities to launch long-term care insurance pilots in 2016, and in eight years, the pilot scope has been expanded to 49 cities, covering 180 million people.
As one of the first pilot cities of long-term care insurance in the country, Nantong, Jiangsu Province is also the first in the country to enter the aging population of the social area, and the key to solving the problem of "one person is disabled, the whole family is unbalanced" lies in the reduction of the burden of long-term care insurance services on family members.
Qian Xiaozhong, who lives in Qixin Village, Changle Town, Haimen District, Nantong City, was paralyzed in bed four years ago due to a cervical spinal cord injury. In September 2020, his family applied for long-term care insurance for him. After being assessed as severely disabled, Qian Xiaozhong enjoyed the home care service provided by the Nantong Home Care Service Designated Agreement Agency that month. Twice a week, professional nurses and health care managers clean and care for Qian Xiaozhong, massage and pat his back, and check his blood pressure and pulse.
At the same time, Qian Xiaozhong's family also enjoys the family care subsidy provided by long-term care insurance. Grade 5 severely disabled people like Qian Xiaozhong can enjoy a family care subsidy of 15 yuan per day. The subsidy will be paid to the insured person's medical insurance account on a quarterly basis to subsidize daily medical expenses and offset the out-of-pocket portion of the fixed care service package of 5 yuan per week.
Qian Xiaozhong's daughter, a long-term care insurance service object, Qian Jinju: My mother usually takes care of her, but since she has a home care service, not only has she relaxed, but also reduced the financial burden on our family.
As long as they meet the disability level assessment, the service treatment that the beneficiary can enjoy is the same regardless of whether he or she lives in an urban area or a rural area. According to the level of disability from high to low, families with home care can enjoy three levels of family care subsidies of 15 yuan, 11 yuan, and 8 yuan per day. Disabled persons who are admitted to nursing institutions or medical institutions can directly deduct the service fees of the institution with the long-term care insurance benefits. Taking medical institutions as an example, Level 5 disabled persons can deduct 70 yuan/day of service fees with long-term care insurance benefits. Grade 4 to 2 disabled persons can enjoy a deduction of 50 yuan/day and 40 yuan/day respectively.
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