With the deepening of aging and the evolution of the aging trend，The size of the disabled and dementia elderly population continues to grow，How to deal with the increasingly severe long-term care challenges for the elderly，Becoming a very challenging public health issue。The "Healthy China 2030" Planning Outline" clearly stated，To promote healthy aging、Maintaining full life cycle health，Promote the development of long-term care services for the elderly at home，Establish a multi-level long-term care security system。Rooted in my country’s elderly care tradition、Based on the current pension pattern，Established to meet the care needs of the elderly、Accommodating the interests of care providers、bet365 live casino games system that maintains the functional integrity of the family，has important practical significance。

　　The burden of long-term bet365 live casino games is increasing in an aging society

With the acceleration of population aging，The number of disabled elderly people continues to expand，The burden of long-term bet365 live casino games increases。Meanwhile，Modern development has led to the shrinking of family size，The home-based long-term bet365 live casino games system faces huge challenges。

On the one hand，my country’s aging process is accelerating，A large number of disabled elderly people face bet365 live casino games difficulties。As of the end of 2022，There are about 1 in our country.900 million elderly people suffer from chronic diseases，About 44 million elderly people are disabled、Semi-incapacitated state，The latter account for 15 of the total elderly population.7%，That’s about 1 in 6 seniors，There is one person who cannot take bet365 live casino games of himself。As we age，The proportion of disabled people is also rising，Among those aged 80 and over，Incapacitation、The proportion of semi-disabled people exceeds 40%，Requires varying levels of medical and long-term bet365 live casino games services。One person is disabled，The whole family is out of balance，The problem of caring for the disabled elderly has become an urgent social problem that needs to be solved。

On the other hand，Insufficient social security for long-term care，Family caregivers face outstanding difficulties。Data display，In developed countries，More than 95% of the elderly receive home and community care services。And in our country，Family members are the main force in providing long-term care，Only 2% of the elderly receive market-based care。However，Care for the disabled elderly is an arduous "long-term project"，Not only a huge investment is required，It still requires a lot of time and energy。According to a survey by the Institute of Gerontology, Renmin University of China，The average daily care time for family caregivers is about 15.7 hours，Much higher than the daily working hours of ordinary workers。For the elderly who are disabled at home，The proportion of spouses as primary caregivers is nearly 50%，For the spouse who is also an elderly person，The difficulty of care can be imagined。Long time、Overloaded caregiving burden may cause caregivers to have negative evaluations of themselves and their lives，Make it appear as a body、Psychology、Maladjustment to Social Adjustment，Causing unemployment and financial stress at the same time、Many practical difficulties such as marital conflicts and reduced interpersonal communication。In the process of Chinese-style modernization，As the family structure continues to change，Intensifying challenges for family caregivers of disabled older adults，There is an urgent need to promote the construction of a family-friendly bet365 live casino games system and social service system。

　Current bet365 live casino games policies provide insufficient support for family caregivers

To cope with the challenges brought by the disability and care problems of the elderly，The “Thirteenth Five-Year Plan” proposes “exploring the establishment of a bet365 live casino games system”。my country has launched a national-level pilot since 2016，Many places have exploratoryly established bet365 live casino games systems with their own characteristics。Among them，The form and standard of benefit payment are important contents of bet365 live casino games，It also directly affects the long-term care function of the home。current，The payment policies in each pilot area are diversified、Fragmentation characteristics，Not yet a mature model，In particular, there is insufficient support for home care and family caregivers、Different policy directions。

First，Some pilot areas implement a single service payment method，Informal caregivers such as family caregivers are not included in the scope of benefits。In some areas，Disabled elderly people who enjoy benefits at home can only choose service payment。For example，Jinan City stipulates that the elderly who are disabled at home can enjoy home bet365 live casino games or community day bet365 live casino games provided by designated medical institutions，The maximum daily payment time is 4 hours，The maximum monthly payment time is 15 hours。Comparing the nearly 16 hours of daily bet365 live casino games needs of the elderly，Family caregivers still need to pay a lot of bet365 live casino games work，But no subsidy support。The original intention of adopting service payment is to cultivate the long-term bet365 live casino games service market，But to a certain extent, the functional maintenance of the main body of the family has been ignored，Also ignores the bet365 live casino games burden of relatives。

Second，Although some pilot areas implement mixed benefit policies，But it is still “unfriendly” to family bet365 live casino games。The benefit system in some pilot areas takes family caregivers into consideration，Elderly people can choose “cash payment”，Services provided by family caregivers and bet365 live casino games subsidies，However, various problems were encountered during the implementation。One form of “cash payment” is “purchasing family services”。Take Jingmen City as an example，Family caregivers are included in the certification and training management system，And accept strict multiple supervision，Remote supervision of electronic equipment、The organizer sends special personnel to visit regularly or irregularly。In addition，They also need to upload nursing videos simultaneously，Use the audit results as the only basis for settling nursing expenses。Reports from a large number of family caregivers，This brings additional time costs and heavier psychological burden，Especially for some people with low education level、Elderly caregivers who have difficulty using electronic devices pose a huge obstacle。Another type of “cash payment” is “family bet365 live casino games”。The elderly can also be cared for by relatives，But family caregivers do not need to bear too many audit tasks，The audit results will not affect the payment of nursing subsidies。But，Friendly bet365 live casino games is usually paid in the form of a small subsidy，Payment level is 240-450 yuan/month，The low level is more like a symbolic encouragement to family caregivers，It is difficult to provide support。In addition，Cash payments recognize the value of informal bet365 live casino games to a certain extent，But simply receiving a single and meager cash subsidy cannot effectively alleviate the burden on family caregivers。

Overall，Existing benefit design，Or family caregivers are not considered at all，Or only set the mixed benefit option at the institutional level，Neither can flexibly meet the comprehensive needs of disabled elderly people and family caregivers。In fact，Informal family care has always been an important part of the long-term care system。If bet365 live casino games is established，The contribution of family caregivers is still not fully recognized，It is bound to intensify the conflict in family care，In turn affecting the construction of a multi-level long-term care system。

　　Establishing collaborative participation of bet365 live casino games subjectsMulti-level long-term bet365 live casino games service system

There are 49 national bet365 live casino games system pilots in my country，The pilot work has achieved initial results，The financial and financial burdens of disabled persons and their families are reduced，Non-pilot areas have also put forward demands for the establishment of bet365 live casino games。Visible，It is imperative to establish a formal bet365 live casino games system at the national level。Future，In the pilot expansion and national promotion stage，Need to focus on integrating experience。Especially when it comes to protecting objects、The payment system and other key aspects form a unified orientation that adapts to my country's national conditions，Realize multiple protections for disabled elderly people and family caregivers，Thus building a family、A multi-level long-term care service system with the collaborative participation of multiple entities in institutions and society。

On the one hand，Guide and cultivate the long-term care market，Establish and improve a socialized long-term care service system。Truely transform financial guarantee into nursing service support for disabled people，Inseparable from the support of the long-term care service system，Every effort should be made to expand the supply of long-term care services，Reasonably “socialize” the burden of family care。On the other hand，Incorporating the family perspective into the design of bet365 live casino games systems，Building a family-friendly bet365 live casino games system。Institutional care cannot completely replace the role of family caregivers，Home care is a partial substitute for institutional care，Need to develop market-oriented social care at the same time，Encourage and support family members to provide some care。

First，Promote the establishment of a mixed payment model in a timely manner，Increase the diversity of benefits and benefits。Compare the long-term care plans of advanced countries，Flexible and diverse mixed payment model is the most popular choice，Conducive to promoting the joint role of formal care and informal care。Therefore，Should be based on mixed benefit model，Allow beneficiaries to realize three "self-selections" in terms of treatment，To ensure that beneficiaries and their family caregivers receive the care that best suits their own preferences、The most practical service plan for families。First, the elderly at home can choose door-to-door services or family care to meet their needs。The second is to allow beneficiaries to choose designated service agencies or other home care service agencies to provide home care，And paid for by bet365 live casino games。The third is when the time is right，Explore allowing beneficiaries to enjoy two or more benefits at the same time，The in-kind payment can be determined based on the actual needs of the family、The ratio of service payment to cash payment。

Second，Enrich bet365 live casino games support content，A certain proportion of the long-term care fund will be earmarked to provide multi-party protection and system support for family caregivers。First, learn from the diversified design of German bet365 live casino games benefits，Provide multiple benefit options for loving caregivers beyond cash subsidies，Will assist with nursing services、Nursing aid rental and purchase、Service fees for aging-friendly living environment renovation and other services should be appropriately included in the payment scope of bet365 live casino games。The second is to reasonably improve the welfare benefits of family caregivers，For family members who provide care for the elderly at home，Nursing allowance can be issued to them、Provide interest-free loans、Purchasing personal accident insurance and paying unemployment insurance benefits for working-age caregivers，We can also provide them with free nursing training courses and psychological support services。The third is to provide relatively complete round-the-clock respite services for family caregivers，Includes 24-hour on-site care for several days，Or institutional short-term elderly care service，Enabling family caregivers to temporarily break away from the burden of caregiving to attend to personal matters，While ensuring the care and safety needs of the elderly。The fourth is to explore through smart devices、Information technology applications such as smart platforms，Like a nursing robot、Peace Bell、Electronic Secretary，Improve the convenience of home care for family caregivers。

　　(This article is a phased result of the key project of the National Social Science Fund "Research on the Support System of Family bet365 live casino games Function in Actively Responding to the National Strategy of Population Aging" (21ASH014)

(Author’s unit: Population and Development Research Center of Renmin University of bet365 live casino games；Institute of Gerontology, Renmin University of bet365 live casino games)