关键词: 老年社会长期照护保险, 筹资, 补偿, 优化

Abstract: Although parts of our country carry out the elderlycare insurance pilot work, how to determine the scientific financing and compensation level not only has become the core problem that hinders elderly-care insurance pilot construction, but also has become the national level core problem of exploring the elderly-care insurance. On the basis of the assessmentof the elderly disability population prediction and the elderly disability population care services needs,we combined the setting of different care target groups, the setting of reimbursement ratio, the setting of the government and individuals sharing ratio proportion, prolonged annual balance, etc, comprehensive and balanced estimated financing level and treatment level. The results show that, when the government and individual financing proportion is 5:5, the compensation expense ratio is 90%, and guarantee seriously disabled elderly’s basic care needs, we found that individual contributions accounts for 0.12% to 0.33% of disposable income, and fiscal subsidy accounts for 0.17% to 0.47% of fiscal expenditure. Even all the conventional disabled elderly is guaranteed, the corresponding proportion interval is 0.24%~0.68%, and 0.34%~0.96%. And, the program will have a relatively easy burden and the system will have a strong sustainability. Based on research findings, we further proposed some recommendations like integrating care resources and improving the care system design.

Key words: elderly long-term care social insurance, financing, compensation, optimal design