Shao Chenyang, Shangguan Yiwen, Li Wenshun
Business School, Beijing Normal University, Beijing, China.
School of Economics and Management, Tongji University, Shanghai, China.
J Aging Soc Policy. 2025;37(3):375-394. doi: 10.1080/08959420.2024.2384183. Epub 2024 Aug 22.
Long-term Care Insurance (LTCI), providing care services and economic compensation to older adults with activity limitations, plays a crucial role in addressing the care needs of older adults and easing the burden on family caregivers. This article is based on the 2011-2018 China Health and Retirement Longitudinal Study (CHARLS) and uses China's LTCI pilot program as a quasi-experiment to examine the impact of LTCI on older adults' care patterns in China. It employs a staggered difference-in-differences (staggered DID) methodology to model the economic support, living arrangements and care, and spiritual comfort provided to older adults. Results indicate that LTCI significantly enhances the economic and emotional independence of older adults. On the one hand, LTCI effectively decreases the economic and emotional dependence of older adults on their children. On the other hand, LTCI raises the likelihood that older adults rely on social institutions and personnel for care. Additionally, LTCI is associated with achieving higher life satisfaction. Interestingly, the impact of LTCI varies significantly across sub-samples of different types of older adults and different policy regulations. Overall, findings indicate that LTCI shifts older adults' care patterns from family to socialized care, thereby reducing children's caregiving burden.
长期护理保险(LTCI)为活动受限的老年人提供护理服务和经济补偿,在满足老年人护理需求和减轻家庭护理人员负担方面发挥着关键作用。本文基于2011 - 2018年中国健康与养老追踪调查(CHARLS),并将中国的长期护理保险试点项目作为一项准实验,以研究长期护理保险对中国老年人护理模式的影响。它采用交错差分法(staggered DID)对老年人获得的经济支持、生活安排与护理以及精神慰藉进行建模。结果表明,长期护理保险显著提高了老年人的经济和情感独立性。一方面,长期护理保险有效降低了老年人对子女的经济和情感依赖。另一方面,长期护理保险增加了老年人依靠社会机构和人员提供护理的可能性。此外,长期护理保险与更高的生活满意度相关。有趣的是,长期护理保险的影响在不同类型老年人的子样本和不同政策规定之间存在显著差异。总体而言,研究结果表明,长期护理保险将老年人的护理模式从家庭护理转变为社会化护理,从而减轻了子女的护理负担。