内容提要：我国老龄化问题日趋显现，针对失能老人长期护理需要的支出也日渐成为家庭负担。研究其他国家长期护理保险政策，总结我国前期长期护理保险试点工作经验，对于综合考虑我国老龄化程度、人群结构、地区特点等因素，制定全国统一的长期护理保险政策具有一定借鉴意义。本文在梳理几个具有代表性的国家长期护理保险发展历程的基础上，从整体思路、法律保障、筹资管理、待遇给付和科学管理等角度，提出优化我国长期护理保险制度的建议。中图分类号：F810.42 文献标识码：A 文章编号：2095-6126(2022)12-0042-07

Abstract:As China’s aging problem is becoming increasingly serious, the expenditure on long-term care needs weighs heavily on those families with disabled elderly. Studying the policies of long-term care insurance in selected countries is of great reference signiicance for China to formulate a national long-term care insurance policy by comprehensively considering the aging degree, population structure, regional characteristics and other factors in China. Finally, the paper puts forward some suggestions on the improvement of China’s long-term care insurance system from the perspectives of overall thinking, legal guarantee, inancing management, beneit entitlement and scientiic management.

关键词：长期护理保险,失能人员,老龄化问题,Keywords: Long-term care insurance,Disabled person,Aging problem