What is the sixth social security risk?

The "sixth risk" of social security is long-term care insurance (referred to as "long-term care insurance"), which is a social insurance system that provides life care and medical care for disabled and demented people who participate in employee medical insurance and resident medical insurance.

Long-term care insurance can provide care services in hospitals or specialized pension institutions, or at home; You can choose long-term care or staged or short-term care.

Since Ministry of Human Resources and Social Security issued the Guiding Opinions on Piloting the Long-term Care Insurance System in June, 20 16 and 15 cities have been selected to officially launch the long-term care insurance pilot, and 49 cities in 27 provinces have carried out two batches of pilot projects respectively. By the end of 20021,the number of people participating in the long-term care insurance in the pilot cities was * * *1450,000, and the number of people enjoying benefits in that year was10.87 million, with fund expenditure of16.84 million yuan, and the average monthly reimbursement was 1300 yuan, and the overall reimbursement level was 70%.

Judging from the policy of long-term insurance in pilot cities, anyone who participates in employee medical insurance or resident medical insurance needs to be insured for long-term insurance at the same time, and no individual needs to be insured separately. Those who do not participate in medical insurance cannot participate in long-term insurance alone; However, in the future, long-term insurance will be independent from medical insurance. You should be able to apply for participation separately by then.

At present, in the pilot stage, individuals and units do not need to pay additional long-term insurance separately, and all medical insurance premiums paid by units and individuals are directly transferred by the medical insurance department according to a certain proportion or quota standard of the payment base. Therefore, people in the pilot cities basically did not feel the existence of payment.

The proportional transfer of individual employees is basically in the range of 0. 1%-0.3%, and the payment standard is very low. For example, in 2022, the minimum monthly payment of long-term insurance employees in Chengdu is 407 1*0. 1%=4.07 yuan, and Qingdao is 3980*0.2%=7.96 yuan. According to the quota standard, the payment is also not high. For example, Nantong is a one-time transfer according to the standard of 30 yuan every year, if there is only 2.5 yuan every month on average.

Although the policies and standards of urban and rural residents' payment vary from place to place, the similarity is relatively low, and they are all directly transferred from the annual residents' medical insurance premium, without the need for individuals to pay extra. For example, Qingdao pays 10 yuan for the whole year, and Chengdu pays 25 yuan for the whole year.

legal ground

People's Republic of China (PRC) social insurance law

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.