The cross-regional benefit mechanism of long-term care insurance (LTCI) is a critical institutional arrangement for safeguarding the continuity of care rights and the equity of care benefits for disabled individuals. Drawing on policy documents from pilot regions across China, this study systematically reviews the implementation of cross-regional LTCI benefits. The paper found that although initial progress has been made in mutual recognition of cross-regional disability assessments, delivery of benefits and real-time expense settlement, challenges remain, including limited policy coverage, inadequate disability assessment, disparities in benefit access, unrealized cross-regional settlement, and insufficient oversight. Based on the analysis, this study proposes optimization pathways for the cross-regional benefit mechanism of LTCI: improving benefit portability and insurance transfer arrangements, standardizing assessments and promoting mutual recognition, coordinating cross-regional benefits and ensuring equitable payment, facilitating information sharing and direct settlement across pooling areas, and strengthening collaborative oversight and follow-up mechanisms.
Key words
long-term care insurance /
cross-regional benefit mechanism /
current practices /
optimization pathways
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