Study on the Financing Level of Long-Term Care Insurance&#x02014;&#x02014;Taking Jilin Province as an Example

doi:10.19546/j.issn.1674-3830.2025.6.010

China Health Insurance ›› 2025, Vol. 0 ›› Issue (6) : 76-84. DOI: 10.19546/j.issn.1674-3830.2025.6.010

Study on the Financing Level of Long-Term Care Insurance——Taking Jilin Province as an Example

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Abstract

Objective: The development of the long-term care insurance system is of great significance to enhance the level of social security and improve the welfare system for the elderly in Jilin Province. Methods: Based on the data related to the population and economic development of Jilin Province from 2014 to 2023, we applied the International Labour Organization (ILO) financing model combined with the GM (1,1) grey prediction model, and scientifically estimated that under the three scenarios of long-term care insurance benefit payment ratio of 65%, 70% and 75% respectively, the employees’ contribution ratio from 2024 to 2030 is 0.73%~1.03% and the urban and rural residents’ annual average payment is 232.56~465.67 yuan. Results: The financing level of long-term care insurance in Jilin Province is within a reasonable and relatively low interval compared to other cities in China that have launched pilot programs. The number of elderly long-term care needs and costs is rising year by year, and long-term care insurance is not sustainable when it is dependent on the basic medical insurance system. Conclusion: The long-term care insurance system for the elderly in Jilin Province should be rolled out as soon as possible, a relatively independent multi-channel financing mechanism should be established, and the level of financing should be scientifically measured and dynamically adjusted to continuously meet the growing demand for long-term care insurance among the elderly in Jilin Province and to ensure the high-quality and sustainable development of the long-term care insurance system.

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long-term care insurance / financing level / ILO financing model

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Study on the Financing Level of Long-Term Care Insurance——Taking Jilin Province as an Example[J]. China Health Insurance. 2025, 0(6): 76-84 https://doi.org/10.19546/j.issn.1674-3830.2025.6.010

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