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Q：
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What is Long-Term Care Insurance?
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A：
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Long-Term Care Insurance is a new type of social insurance. The Long-Term Care Insurance system is a social insurance system designed to provide service or financial protection for basic daily living care and closely related medical nursing for individuals with disability.
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Q：
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Who is covered by Long-Term Care Insurance?
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A：
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The long-term care insurance program covers the entire population. Specifically, the insured include:
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Employees: Staff currently employed by enterprises, public institutions, government agencies, and social organizations;
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Retirees: Individuals who have retired and are receiving pensions;
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Flexible Employment Personnel: Individuals without a fixed employer, primarily engaged in part-time or temporary work;
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Unemployed Urban and Rural Residents: Including farmers and unemployed urban residents;
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Vulnerable Groups: Individuals in extreme hardship, recipients of subsistence allowances (Dibao), and those eligible for poverty prevention and relapse prevention programs;
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Individuals under 18 years of age: Enrolled together with their parents or legal guardians, without separate premium contributions.
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Q：
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What are the conditions for receiving Long-Term Care Insurance benefits?
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A：
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Individuals who have enrolled and paid contributions as required, and whose disability status is long-term and persistent (generally more than 6 months), may receive corresponding benefits upon application and successful assessment and certification. In the initial stage of the Long-Term Care Insurance system, coverage is primarily for individuals with severe disability. As the economy develops and the system improves, the scope of coverage will be gradually expanded through unified national-level research.
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Q：
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What does "disability status" mean?
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A：
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"Disability status" refers to the inability to live independently due to aging, illness, disability, or other reasons. It includes, but is not limited to, the loss of independent ability in daily activities such as eating, bathing, and dressing.
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Q：
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How is the disability status of insured individuals assessed?
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A：
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The assessment of disability status must be conducted by professional institutions recognized by the social security system. According to current assessment standards, disability is classified into three levels: mild, moderate, and severe. In the initial stage of the Long-Term Care Insurance system, coverage primarily focuses on individuals with severe disability.
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FAQ
