Long-Term Care

Abstract

Abstract In 2008, Long-Term Care Insurance (LTCI) for the elderly became a universal social insurance system that guarantees extended supports and services to people aged 65 and older, and those under 64 who require long-term care due to geriatric diseases. Methods of providing long-term care to the elderly include long-term hospitalization services in nursing hospitals, nursing services provided to low- and middle-income groups who cannot receive LTCI benefits, and dementia nursing services for people with cognitive disabilities. In addition, a tax support system is provided for persons with disabilities. Eligibility is determined through a certification review, and benefits are paid according to a six-level system starting with mild cognitive impairment. LTC services are provided as benefits in kind, and cash benefits are strictly limited. LTC beneficiaries are free to choose the type of benefit they want. Almost all LTC providers are in the private sector, and sole proprietors operate more than 80% of these service enterprises. Users of home care services must pay 15% of the service cost, and facility care users must pay 20% of the total cost of service and meals. About 50% of beneficiaries are either exempt or pay only a small portion out-of-pocket, depending on their income level.