人口老龄化加速背景下,优化长期护理保险制度体系和服务供给已成为完善社会保障制度的关键命题。作为应对银发浪潮的制度创新,长期护理保险制度通过构建专业化照护体系,在保障失能老人健康权益、释放家庭发展动能、完善社会保障体系等方面展现出显著效能。然而,长护险制度尚处于发展初期,在实施过程中面临着制度碎片化、分层保障机制缺位、资源整合效能低、护理服务供需结构性失衡以及市场补充功能弱化等多重困境。亟须以制度创新、技术赋能与市场机制的三维联动为重要抓手,构建覆盖全民、精准识别、专业分层的长期照护体系,扎实推进长期护理保险服务高质量供给,助力实现老有所养、老有优护的社会治理目标。

With the accelerated population aging, optimizing the long-term care insurance system and service supply has become a key proposition for improving the social security system. As an institutionalized innovation in response to the silver hair wave, long-term care insurance has demonstrated remarkable effectiveness in safeguarding the health rights and interests of disabled elderly people, releasing the development momentum of families, and improving the social security system by establishing a professional care system. However, the long-term care insurance system is still in its early stage of development. During the implementation process, it is confronted with multiple predicaments such as fragmented systems, the absence of a hierarchical guarantee mechanism, low efficiency of resource integration, structural imbalance between supply and demand of nursing services, and weakened market supplementary functions. It is imperative to take the three-dimensional linkage of institutional innovation, technological empowerment, and market mechanisms as an important approach to build a long-term care system with full coverage, precise identification ofneeds, and professional stratification, and to steadily promote high-quality supply of long-term care insurance services, thereby facilitating the realization of the social governance goal of ensuring elderly care and providing high-quality care for the elderly.