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Q：
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How is Long-Term Care Insurance reimbursed?
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A：
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The Long-Term Care Insurance fund is primarily used to cover expenses incurred for basic long-term care services provided by qualified long-term care institutions and personnel. In principle, cash is not directly disbursed to individuals with disabilities.
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Q：
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What does the Long-Term Care service package include?
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A：
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The nationally unified Long-Term Care service catalog includes 36 services urgently needed by individuals with severe disabilities, falling into two categories: 20 daily living care services essential for maintaining basic life, such as assistance with eating, bathing, and oral hygiene; 16 fundamental medical nursing services, such as suctioning and catheterization.
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Q：
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Does Long-Term Care Insurance have a deductible?
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A：
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Long-Term Care Insurance does not have a deductible.
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Q：
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What is the reimbursement rate for employees under Long-Term Care Insurance?
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A：
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For individuals insured under the employees, the Long-Term Care Insurance fund covers approximately 70% of the costs. Retirees are entitled to the same benefits as employed workers.
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Q：
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What is the reimbursement rate for unemployed urban and rural residents under Long-Term Care Insurance?
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A：
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For individuals insured under the unemployed urban and rural residents, the Long-Term Care Insurance fund covers approximately 50% of the costs.
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Q：
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What is the payment limit for Long-Term Care Insurance?
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A：
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The annual maximum payment limit for the Long-Term Care Insurance fund shall not exceed 50% of the per capita disposable income of urban and rural residents in the coordinated region from the previous year.
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FAQ
