With the intensification of population aging in China and the continuous expansion of the disabled population, long-term care insurance (LTCI) has become the core institutional solution for mitigating disability risks. This study examines policy texts related to LTCI service programs across 49 pilot cities, comprehensively employing ROST CM6 and UCINET6 software for word frequency statistics, semantic network analysis, and centrality metrics analysis to explore policy element correlations and structural characteristics of the policy system. Findings reveal that "care recipients" "nursing care" "insurance" "assessment" and "assistance" constitute core policy elements, with high-frequency service programs focusing on basic nursing care, functional training, and health monitoring. On the whole, the policy system demonstrates three logical characteristics of "supply-demand coupling" "institutional coordination" and "professional support". Based on these findings, the study proposes a three-dimensional optimization framework encompassing dimensions of value, institution, and operation. This includes establishing dynamic assessment mechanisms to strengthen supply-demand matching, constructing contract-based governance systems to optimize institutional synergy, and promoting standardized yet differentiated services to enhance service efficiency. These recommendations aim to improve the nursing and security for disabled populations and refine China's social security system.