本文選題：老年社會長期照護保險 + 籌資��； 參考：《河北大學學報(哲學社會科學版)》2017年05期

【摘要】：雖然我國部分地區(qū)開展了老年長期照護保險試點工作,但是,如何確定科學的籌資、補償水平已成為阻礙各地老年長期照護保險試點的核心問題,也是國家層面長照制度探索的核心難題。在老年失能人口預測、老年失能人口照護服務(wù)需求評估基礎(chǔ)上,結(jié)合老年長期社會照護保險框架設(shè)計,包括照護目標人群、報銷比例、政府個人分擔比例、長時期年度均衡等,綜合、均衡測算籌資水平和待遇水平。結(jié)果發(fā)現(xiàn),當政府與個人籌資比例為5∶5、補償報銷比例為90%、保障重度失能老年人基本照護服務(wù)需求時,個人繳費占可支配收入的均衡比例區(qū)間為0.12%~0.33%,財政補貼占財政支出的均衡比例區(qū)間為0.17%~0.47%;即使將常規(guī)失能老人都進行保障,相應的均衡比例區(qū)間分別為0.24%~0.68%,和0.34%~0.96%,方案負擔較輕、制度可持續(xù)性強。在研究結(jié)論基礎(chǔ)上,進一步提出了整合照護資源、完善照護保險成本控制等建議。
[Abstract]:Although some regions of our country have carried out the pilot work of long-term care insurance for the elderly, how to determine the scientific financing and the compensation level has become the core problem that hinders the pilot projects of the long-term care insurance for the elderly in various places. Also is the national level long-term light system exploration core difficult problem. On the basis of the prediction of the elderly disabled population and the assessment of the care needs of the elderly disabled population, combined with the design of the long-term social care insurance framework for the elderly, including the care target population, the reimbursement ratio, the government individual share ratio, the long-term annual equilibrium, etc. Comprehensive, balanced measurement of financing level and treatment level. The results show that when the ratio of government to individual financing is 5: 5, and the proportion of compensation and reimbursement is 90, the demand for basic care services for severely disabled elderly people is guaranteed. The equilibrium ratio of individual contributions to disposable income is 0.12 / 0.33, and the equilibrium ratio of financial subsidies to financial expenditure is 0.17 and 0.47; even if the elderly with conventional disability are protected, the corresponding equilibrium ratio ranges are 0.240.68 and 0.34 / 0.96.The plan is less burdensome. Strong institutional sustainability. On the basis of the conclusion, the author puts forward some suggestions such as integrating care resources and perfecting the cost control of care insurance.
【作者單位】： 華北電力大學人文與社會科學學院;美國羅格斯大學華民研究中心;
【基金】：河北省社會科學基金項目“需求視角下河北省老年長期護理保險制度設(shè)計”(HB17GL066)
【分類號】：D669.6;F842.6

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