The sixth social security insurance, long-term care insurance, is coming. Can you rely on it for future pension?

1. What is long-term care insurance? Let's take a look at the real experience of a colleague:

My colleague's grandmother is almost 80 years old, and her legs and feet are inconvenient. After a fall, she was paralyzed. She stayed in bed for two years, relying on others to eat and drink Lazar.

In order to take care of the elderly, my colleague's mother resigned to take care of her at home. The mortgage and car loan all depended on my father, and the life in those two years was very difficult.

One person is disabled and the whole family is out of balance. They can't walk, get dressed, get on and off the bed, or even defecate in bed. And we have a heavy burden of life on our heads, so we can't take care of it all the time. ...

To solve this problem, long-term care insurance (referred to as "long-term care insurance") came into being.

What is the main purpose of long-term insurance? Provide life care services such as eating, dressing, nursing and dressing change for disabled elderly people who cannot live independently.

For example, in Shanghai, Chen Apo suffers from Alzheimer's disease and can't take care of herself. After enjoying the nursing insurance policy, there will be a special nurse on-site service, one hour a day, five days a week.

It is difficult for the elderly to take care of themselves, and their families are scrambling to take care of them, and the economic burden is increasing. Long-term insurance has alleviated this dilemma to some extent.

Second, Shenzhen long-term insurance, do we need to pay? If you are an employee of a company, or 18-year-old non-school student, and have paid Shenzhen medical insurance, you can take out long-term insurance.

For example, Xiao Li, 20 years old, has been unemployed at home since graduating from high school. She has second-class medical insurance in Shenzhen, so she buys long-term insurance.

Long-term insurance gives us a sense of security, which is a great thing! How much do we have to pay every month?

Based on the average salary of employees in Shenzhen last year, it shall be paid at the rate of 0. 1% per month.

Based on the average salary of Shenzhen in 20 19 years 10646 yuan:

Employees: 50% for units and 50% for individuals, about 5.3 yuan/month.

Retirees, residents and others: individual contributions, about 10.6 yuan/month.

People in need: financial assistance.

Generally speaking, the money deducted each month is not much, but the treatment enjoyed is very practical.

3. What benefits can I enjoy after the implementation of long-term insurance? From the perspective of laws and regulations, what are the rating of nursing, the way of service provision and the cumulative years of participation? Different, enjoy different treatment.

At present, the Measures for Long-term Care Insurance in Shenzhen is still in the stage of soliciting opinions. We can first understand:

It can be seen that according to the different service methods and evaluation grades, the time and frequency of enjoying nursing are also different. The higher the assessment level of the disabled elderly, the longer the nursing time.

Besides, what if something happens to the insured? The basic living care expenses such as diet, sleep and excretory care shall be reimbursed monthly according to the following standards:

The insured time is more than 3 years, and the reimbursement amount is 70%.

3 years ≦ Participation time of 5 years, 75% of reimbursement standard?

The insured time is ≧ 5 years, and the reimbursement amount is 80%.

Among them, the quota standard is related to the nursing level, and the second, third and fourth quota standards are 30%, 40% and 50% of the average salary in Shenzhen in 20 19 respectively.

For example, Mr. Chen has participated in long-term care insurance for 3 years, and the nursing level is Grade II, so the highest living care fee for that month can be reimbursed:

10646 yuan * 30% * 75% = 2395.35 yuan

Besides life care, can the insured enjoy it? Medical care services, such as rehabilitation training and hospice care, are limited to 65,438+0,000 yuan per person per month.

In addition, the regulations also clearly stipulate the shortage of old-age beds in Shenzhen, which has attracted much attention:

Every street has at least one old-age care institution.

The poor elderly registered in this city can stay in the old-age care institution for free within 1 month.

Elderly people with severe disabilities registered in this city can stay within 3 months.

After reading the treatment of long-term insurance, some friends will definitely feel that it is not enough to go to the door for an hour or two every day!

In fact, it is just this short hour or two that makes up for the lack of companionship and nursing. China's long-term insurance has just started, and I believe that the protection will be better and better in the future.

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