Long -term care mainly refers to in the background of population aging，In order to meet the needs of the elderly or other ability to lose activity and intelligence, the needs of daily life，Provide it with diet living、Daily Life、Health care、Basic public service system for rehabilitation treatment。Long -term care insurance refers to the insured person because of the old age、Diseases and other reasons cause the body、Intelligence is in a state of disability and dementia，Care costs incurred by specialized social institutions or home care for compensation for compensation，It is an important part of social insurance，It is also an important social welfare system that guarantees the basic life of citizens in the development of modern society。In real life，Due to the change of family structure, the care function continues to weaken、The rapid advancement of aging and rapid advancement leads to the continuous increase of care costs、The inadequate social security system causes the care service when the care service cannot meet social needs，It highlights the dilemma and difficulties of the development of the social security system for care。

For this，my country has begun to explore the top -level design of the long -term care insurance system，June 2016，"Guiding Opinions on the Pilot on the Pilot of Long -term Nursing Insurance System" (Human Resources Department [2016] No. 80) pointed out，To explore the establishment of "social insurance system that provides funds or service guarantee for the basic life care of long -term disabled persons and closely related medical Bet365 app download care for long -term disabled personnel"。At present, from the effectiveness of the pilot area,，Sighted effects，Long -term care fund reimbursement level reaches more than 80%，Eashed the economic burden of the care of the care families and institutions。Long -term care insurance system has taken a substantial step in my country。

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2019，"Opinions on Promoting the Development of Pension Services" (National Office [2019] No. 5) emphasized，To accelerate the implementation of the long -term nursing insurance system pilot，Establish and improve long -term care service system，Promote the formation of a long -term care insurance system framework that is in line with national conditions。Construction from the legal system system construction solve the long -term care problem that solves the demented group，Establish a long -term care insurance legal system，is the key part and important link of improving the social security system of our country。

First，The people's livelihood steering of social policy is the key to long -term care insurance legislation。Although the legal system is better than social policy，Social policy cannot replace standardized legislative provisions，But social policy is the foundation and pioneer of the formulation of law，Especially in social security legislation，Social policy is the front guidance and value mapping of relevant laws。This determines that the introduction of long -term care policy is also the connotation support of long -term care insurance legal system，It provides an important basis for the legislation of long -term care insurance for long -term care insurance。Second，The huge society of long -term care needs to inspire legislative demands。Example only the elderly population of the main service target of long -term care，It bet365 live casino games is estimated that by 2030 and 2050, my country will have 62 million and 98 million elderly population (internationally internationally pass 8%-10%of long -term care calculations).，If you consider the family that provides care services，The affected population will be very huge。Long -term care insurance system has made the social welfare of the previous disability dementia with administrative measures or policies as the core of the past，The change from administrative measures to service contracts，Demand for long -term care services、Keywords such as contracts and consumer rights are specific symbols of change。Therefore，The implementation of the long -term care insurance system will be an excellent case of social governance innovation practice，Long -term care insurance legislation is the basic guarantee for effective operation of long -term care system，It is also an important basis for social security rights to realize social security rights。third，Due to my country's legal system on the care of the rights and interests of the disorders and dementia, it is still "fragmented" and obvious，This has also led to the establishment of basic pensions、Basic medical security and other systems，Institutional diseases for the elderly or other disadvantaged groups、An accident risk provides guarantee，But in terms of the risk of disability dementia，Lack of basic institutional arrangements，Especially the specialized laws of long -term care have not been formulated，I did not enter the legislative plan。Therefore，Legislation with basic legal effect level is still the key to solving problems。

　Select the legislative mode

Under the background of a risk society，In developed countries in developing social security policies, they all pay more attention to long -term care to bet365 live casino games be included in it，Establishing a long -term care insurance system has become an international trend。Article 14, paragraph 4 of the General Outline of the Constitution in my country clearly stipulates，To achieve citizens' social insurance rights，The state has the obligation to "establish and improve the social security system that is compatible with the level of economic development"。Social insurance rights or social welfare insurance rights，refers to members of social members due to the old age、disease、unemployment、Disability、Fertility and other reasons Lost the labor ability without normal income sources，The country's right to obtain material help through the social insurance system。In essence，Social members, especially the care of the elderly due to disorders and dementia belong to the individual category，Its related interests，If relatives have obligations to provide care services，But it is undeniable，When the care problem evolves into a social problem that individuals or families cannot afford and solve the problem，Administrative measures have the obligation to intervene。The purpose of long -term care insurance is to share the care risk of the individual's weak burden，Considering the actual role of administrative forces in participating in the drafting of relevant equity protection laws，Legislative concepts that should be paid to the same responsibility of state and social responsibility。

Due to historical development、Economic level、Differences on social conditions，The insurance legislative system of different countries must be different，But with the rapid and large increase of long -term care demand，The status of long -term care insurance in social insurance will only become more and more important。Some scholars explicitly proposed，Social Insurance Legislative Council must not have Bet365 lotto review the content of long -term care insurance，The real "five insurances" of social insurance should be the old age of the elderly、Medical health insurance、Employment unemployment insurance、Professional injury insurance for work injury and long -term care insurance。2010，my country adopted a special legislation to formulate the Social Insurance Law，The basic framework of legalization of the social insurance system was established。but，The long -term care insurance in this law was not included，As a result, the long -term care service system only stays in administrative policy。And，Because my country's entire social security system is still exploring and improved，System setting is far from reaching，The conditions for formulating a unified social security basic law are not mature。Therefore，According to legislative practice，Long -term care insurance legislation adopts special legislative system is more appropriate，Formulate a specialized "Long -term Care Insurance Law"。

　　Breakthrough legislative difficulties

Long -term care insurance rises in developed countries，Its development process is with the national conditions of various countries、Directly related to the development stage，But most of them have experienced social assistance、Medical insurance to implement long -term care policy，Then the process of establishing a long -term care insurance legal system。The implementation of the long -term care insurance system brings social changes，Its use further，Not the implementation of the existing social security system, even a temporary emergency measure，It should be stipulated that it includes the insured、Care service quality to insurance payment、A series of social policies such as insurance fund sources。Although the legislative mode of the establishment of a long -term care insurance Bet365 lotto review system in various countries is different，But the institutional reference between each other is obvious，Because countries are facing the problem of aging dilemma and long -term care of disabled dementia group。

Special characteristics of long -term care insurance，Determined the scope of the application of the insured、Fund raising mode、Special content of key content such as insurance payment form。First，The scope of the insured of the long -term care insurance of our country should be fully connected with the current basic medical insurance of urban residents，Residents participating in basic medical insurance are obliged to participate in social care insurance，Until 65 years old, you can get care insurance compensation。Next，Weighing the financial payment of long -term care insurance funding model、The advantages and disadvantages of three models of social insurance and commercial insurance，my country's fundraising model should be based on social insurance，The government provides financial subsidies，Commercial insurance is supplemented by supplement。Because on one aspect，Fiscal revenue has a stable source of income、Payment flexible、Public priority characteristics，The government should bear the important proportion in similar public funding; on the other hand,，Although commercial insurance must be vigorously developed in the field of social security system，Let commercial insurance participate in sharing some social security liability，But I can't expect to rely on profitable commercial insurance to replace the responsibility of the government。again，The basic form of social welfare cash allocation and physical allocation, as well as the irreplaceable role of home care in long -term care insurance，my country's long -term care insurance payment should be combined bet365 best casino games with the combination of providing care services and subsidy cash，That is to directly provide care services to the insured，or subsidize cash subsidies to family members。

　(Author Unit: Hubei Provincial Academy of Social Sciences)