How can there be long-term care insurance in social security?

Legal analysis: The so-called "six social insurance" actually refers to "long-term care insurance".

The function of "long-term care insurance" is very simple, that is, to provide nursing services or financial subsidies for people who have lost their basic living ability (such as paralysis).

According to the official guidance, "long-term care insurance" has three main points:

Starting from the insured population of employee medical insurance, the people who enjoy the treatment are mainly "severely disabled".

Companies and individuals have to pay.

The unit payment is extracted from the employee medical insurance; Personal payment is not clear for the time being, and it is encouraged to deduct fees from personal accounts.

Disabled people can reimburse about 70% of the nursing service fee.

The difference between "long-term care insurance" and medical insurance is that medical insurance mainly covers the expenses needed for medical treatment, while "long-term care insurance" mainly covers the expenses paid for general life care, generally excluding medical intervention.

Simply put, it is a security system specially established for the life of the elderly.

However, at present, "long-term care insurance" is only a framework scheme, and the specific details are not clear enough.

Of course, some cities have taken the lead and have been experimenting for a year or two.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Seventy-fourth social insurance agencies through business handling, statistics, investigation and other means to obtain the data needed for social insurance work, the relevant units and individuals should provide timely and truthful.

The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.

The social insurance agency shall timely, completely and accurately record the individual's contributions to social insurance, the employer's contributions and the enjoyment of social insurance benefits and other personal rights and interests records, and regularly send the personal rights and interests records to me free of charge.

Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.