What does it mean to pay for long-term medical expenses?

Legal analysis: "long-term care insurance" long-term care insurance system. It refers to the social insurance system that raises funds in the form of social mutual assistance to provide basic life care and medical services closely related to basic life or financial guarantee for the long-term disabled who have reached a certain level of nursing needs after evaluation.

Long-term care insurance is mainly an institutional arrangement for the insured to provide care and economic compensation when he loses the ability of daily living, falls ill or dies in old age. At present, there are two forms of social insurance and commercial insurance in the world.

Funding standards for long-term care insurance:

1, employees' medical insurance personnel, according to the proportion of the employee medical insurance payment base paid by the employer 1%, adjust funds from the employee medical insurance pooling fund quarterly as long-term insurance financing.

2, residents' medical insurance personnel, according to the number, according to the per capita financing level is slightly lower than the first kind of personnel, from the residents' medical insurance fund to adjust funds quarterly as long-term insurance financing. Specific financing standards, agreed by the Municipal Human Resources and Social Security Bureau (Municipal Medical Insurance Office), the Municipal Finance Bureau and other relevant departments, and implemented after the approval of the municipal government.

Legal basis: Article 5 of People's Republic of China (PRC) Long-term Care Insurance System: The funding standard for expanding the pilot stage is tentatively set as 1.80 yuan/person/year. Every year 10- 12 is the centralized insurance period, and the long-term care insurance premium for the next year is paid. Every year, 65438+10-September is the decentralized insurance period, and the long-term care insurance premium of that year is paid. Decentralized insured refers to the insured who failed to deduct money during centralized insurance and the insured who participated in insurance for the first time.

Long-term care insurance premiums for urban workers are paid annually and shared by units and individuals. The payment of urban workers' units (90 yuan/person/year) is transferred from the overall fund of employees' basic medical insurance, and the individual payment (90 yuan/person/year) is withheld and remitted by the individual account of employees' basic medical insurance. Individual contributions of flexible employees (90 yuan/person/year) are paid by individuals on an annual basis.

Long-term care insurance premiums for urban and rural residents shall be paid annually, which shall be jointly borne by finance and individuals. Urban and rural residents' financial contributions (90 yuan/person/year) are transferred by government financial subsidies, and individual contributions (90 yuan/person/year) are paid by individuals on an annual basis. In line with the conditions of full financial subsidies for individual contributions of basic medical insurance for urban and rural residents, the financial department will give full subsidies to individual contributions of long-term care insurance.