According to the data of the National Health Commission, the number of disabled and semi-disabled elderly people in China exceeds 40 million. During the "14th Five-Year Plan" period, China will enter a moderately aging society, and the number of disabled elderly people will continue to grow. As the "sixth insurance" of social security, "long-term care insurance" is an important institutional arrangement to properly solve the nursing problem of the disabled elderly in China and actively respond to the aging of the population, which can effectively prevent the disabled elderly from falling into the dilemma of old-age care.
Chinese Life Insurance Co., Ltd. *** hereinafter referred to as "Chinese Life Insurance") Jiangsu Branch has thoroughly implemented the major decisions and deployments, and has fully and deeply participated in the pilot work of long-term care insurance in Jiangsu Province since 2016. In the cities that have opened long-term care insurance business in the province, the cumulative number of projects participated by Chinese Life Insurance Jiangsu Branch ranks among the top in the industry. The company has created a number of typical service models of long-term care insurance according to local conditions, and the projects undertaken have been highly recognized by local departments, the majority of insured people and social service organizations.
The service has "temperature", and the diversified service realizes the care of the elderly
Ms. Sheng, who lives in Hailing District, Taizhou City, suffers from rheumatoid arthritis and high blood pressure, her hands and feet are severely deformed, her joints cannot be bent, and she has been bedridden for a long time. Ms. Sheng's husband has passed away, her son is working in other places, and her sister Sheng Qiaoling has taken on the burden of taking care of her. "While taking care of my sister, I have to be busy taking care of my grandchildren, and I often feel that I am not skilled." After learning about the relevant situation, the community grid member recommended Sheng Qiaoling to the local Chinese Life Long-term Care Insurance Business Processing Center to apply for long-term care insurance assessment for her sister, and in January 2020, Ms. Sheng began to enjoy long-term care home service. "The nursing staff came to my home for 1 hour every other day, and they took care of my sister like a relative, washing her hair every other day, and now my sister's bedsores are gone, and she is not constipated." Sheng Qiaoling sighed that she was fortunate to enjoy the long-term care insurance policy, which relieved the pressure of life.
Figure: Customers handle business at the long-term care insurance business processing center.
In addition to the independent choice of home care, the disabled can also choose to stay in the care bed of the designated institution to receive care services, and the long-term care insurance** can pay part of the cost to reduce the financial burden of the disabled person's family. At the Anping Nursing Home in Jiangbei New Area, Nanjing, 93-year-old Mr. Yu suffers from Parkinson's disease and Alzheimer's disease, and has been unable to take care of himself for many years. On May 19, 2023, the elderly person was admitted to a nursing home and received professional care, and his bedsores gradually improved, and his constipation was relieved.
Mr. Yu's son calculated an account: it turned out that he hired a nanny to take care of him 24 hours a day at home, and the monthly cost was 6,800 yuan. According to the treatment standard of long-term care insurance in Nanjing, the self-paid part of the institution is 5,000 yuan, and the cost burden is reduced compared with the original. "The care of the nursing staff is very professional, and the diet of the nursing home is also nutritionally balanced, so I feel very relieved to visit the elderly every three to five days."
There is "strength" in the implementation, and the policy of benefiting the people has entered thousands of households
Manpower shortages, increased economic pressures, and reduced quality of life ......"One person is disabled, the whole family is unbalanced" is a real problem faced by many disabled families. Since the launch of the pilot project of the long-term care insurance system, institutions at all levels of Chinese Life Insurance Jiangsu Branch have actively used various forms to promote long-term care insurance policies, such as: carrying out theme publicity months to strengthen public welfare publicity, opening special windows for business acceptance, and linking communities to actively promote ...... to disabled familiesIt brings good news to many disabled people, and at the same time warmly helps and strictly supervises care institutions to promote the healthy development of long-term care insurance business.
Open the "My Nanjing" APP, you can find "Disability Insurance" on the home page, and then you can enter the relevant interface to fill in the information and declare. According to the person in charge of the Treatment and Security Department of Nanjing Medical Insurance Bureau, the insurance fund for the care of disabled persons in Nanjing is composed of three parts: finance, medical insurance, and personal financing. Each person over the age of 60 raises 100 yuan per year, of which 40 yuan is borne by individuals; Each person under the age of 60 will raise 60 yuan per year, and the individual shall bear 20 yuan; The full financial subsidy personnel do not contribute funds individually. In the event of severe disability, you will be able to enjoy professional care services after the application is approved. As of the end of May 2023, Nanjing has a total of 420,000 people are covered by long-term care insurance, 270,000 people are enjoying the benefits, ** spending 67.5 billion yuan.
In the long-term care insurance business processing center of Chinese Life Insurance Taizhou Branch, relevant staff introduced that disability for more than 6 months due to old age, illness, disability and other reasons can be applied, and then the disability level will be assessed by professional institutions, and "severely disabled" can enjoy long-term care insurance policies. According to the type of care service, the "subsidy" is different: if you choose to stay in a designated medical institution for long-term care insurance, the long-term care insurance** will be paid to the medical institution according to the standard of 80 yuan per person/day, and the medical insurance** will give a medical subsidy of 20 yuan per person/day; If you choose to stay in a long-term care insurance designated pension service institution or a care institution for the disabled, the long-term care insurance** will be paid to the service agency at the rate of 60 yuan per person/day; If you choose to receive home care services from a designated care institution, the long-term care insurance** will pay the designated care institution according to the standard of 40 yuan per person.
In 2019, Taizhou established and implemented a long-term care insurance system, and by September 2022, it had achieved citywide coverage. Over the past three years of the pilot, 19,851 people have enjoyed long-term care insurance benefits, reducing the burden on the masses20.8 billion yuan". According to the relevant person in charge of the Taizhou Municipal Medical Insurance Bureau, the largest number of Taizhou citizens choose to receive home care services at home. After having long-term care insurance subsidies, many elderly people have been admitted to professional elderly care institutions, so that they can enjoy their old age more decently and comfortably.
There is "depth" in the continuation of skill improvement to boost industrial development
A few days ago, Nanjing Jiangbei New Area Education and Social Security Bureau and Chinese Life Insurance Nanjing Branch held the launching ceremony of the Jiangbei New Area Disability Insurance Publicity Month and the award ceremony of the first Disability Insurance Nursing Skills Competition of "Care into the Community, True Love into the Heart". As an important measure to further implement the work plan of the Nanjing Municipal Medical Insurance Bureau on the "Consolidation and Improvement Year" of disability insurance in 2023, the event organizes various designated service institutions to further improve the service skills and service level of nursing staff by holding a nursing skills competition, so that citizens can understand the policy in a timely manner and improve their satisfaction. Since July 1, 2021, the Nanjing disabled care insurance system has been officially implemented, and in two years, it has provided nearly 32.1 million yuan** in compensation for 1,927 severely disabled people in Nanjing Jiangbei New Area, effectively reducing the burden of family care for disabled people.
Every caregiver will participate in the company's professional nursing training before taking up their posts, and I have come into contact with many families of disabled people in my work, both physically and psychologically, each family has different degrees of difficulties and empathizes. Sister Zheng, a caregiver in a door-to-door care facility, said that she usually gives daily care, exercise, mood counseling and other services to the disabled, and sees the disabled people slowly improving physically and mentally under their own care, and feels that the work they are engaged in is very valuable.
With the increasing number of elderly people enjoying care services, the pension service industry system has also been developed in an all-round way, and a number of labor-intensive pension service care institutions have been incubated. According to the data, since the implementation of the disabled care insurance system, the number of practitioners in Nanjing has grown from 160 to more than 520 today, and the number of practitioners has grown from more than 5,000 to nearly 10,000 today. There are 146 nursing institutions in Taizhou, providing nearly 1,000 nursing jobs, and solving the employment needs of many people aged 40-60.
As long-term care insurance coverage continues to expand, the shortage of care services for people with disabilities is not just reflected in the number of employees. "In addition to constantly updating and training service content and strengthening business assessment, it is more important to pay attention to discipline construction and skill training from the school, relying on the long-term care insurance to build a resource sharing platform, and continuously expand the knowledge reserve and service quality of nursing staff by inviting in and going out." The person in charge of the practitioner said that in addition to the daily inspection of commercial insurance institutions such as Chinese Life and the strong supervision of the ** department, the institution itself will also conduct regular summaries and ensure that the service is in place in combination with the details of long-term care insurance services. "I hope that more volunteers will join the public service team to make up for the lack of professional strength and jointly promote the construction of the pension service industry system."
As one of the earliest commercial insurance companies to respond to national policies and participate in the pilot system, Chinese Life Insurance Jiangsu Branch has always practiced the development idea of "people-centered", with the purpose of "leading the way, professional operation and long-term operation", carefully deploying and actively promoting the long-term care insurance system to take root in Jiangsu. "The company mainly undertakes the annual compensation expenditure of the project 3600 million yuan, of which the amount of payment for the elderly over 65 years old exceeds 300 million yuan, accounting for 83%; 360,000 people, including 3 over 65 years old10,000 people. The relevant person in charge of Chinese Life Insurance Jiangsu Branch said that the company will actively practice the responsibility of central enterprises, give full play to its professional advantages, be a good guardian of people's livelihood and well-being, a supervisor of care institutions, and a guarantor of public services, and contribute to the new practice of Chinese-style modernization in Jiangsu.