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Q：
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How do employees pay for long-term care insurance?
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A：
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Employees participating in long-term care insurance jointly contribute with their employers. The overall premium rate is controlled at around 0.3%, shared equally between the employer and the employee—approximately 0.15% each. The employer’s contribution base is the total payroll of its employees, while the individual’s contribution base is their personal income.
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Q：
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How do unemployed urban and rural residents pay for long-term care insurance?
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A：
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Unemployed urban and rural residents pay for long-term care insurance on an annual basis, with the individual and government sharing the cost at a ratio of approximately 1:1. In the initial year of implementation, the premium rate may be halved to about 0.15%, gradually increasing over approximately five years to reach around 0.3%. The contribution base is the per capita disposable income of urban and rural residents in the coordinated region from the previous year.
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Q：
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How do retirees pay for long-term care insurance?
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A：
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Retirees pay for long-term care insurance individually; their former employers do not contribute. The premium rate is the same as the individual rate for employees—approximately 0.15%. The contribution base is the retiree’s basic pension amount.
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Q：
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How do flexible employment personnel pay for long-term care insurance?
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A：
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Flexible employment personnel are encouraged to participate in long-term care insurance at the same rate as organizational employees, with individuals paying the full contribution—approximately 0.3%. The contribution base is determined as a certain percentage (not less than 60%) of the previous year’s average social wage in the coordinated region. Alternatively, flexible employment personnel may choose to enroll under the policy applicable to unemployed urban and rural residents.
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Q：
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How do individuals under 18 years old pay for long-term care insurance?
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A：
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Unemployed individuals under 18 years old participate in long-term care insurance through their parents or legal guardians and are not required to make separate contributions. Eligible individuals receive benefits according to the standards for unemployed urban and rural residents.
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Q：
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How do individuals from disadvantaged groups pay for long-term care insurance?
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A：
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The government provides classified subsidies for the individual contribution portion. Individuals in extreme poverty receive full subsidies, while low-income assistance recipients and eligible individuals at risk of poverty or relapse into poverty receive fixed-amount subsidies (specific standards are determined by provincial governments).
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FAQ
