由於台灣漸漸步入高齡少子化社會，政府預定開辦國民年金保險以保障老年人口基本生活，但隨著老年人平均餘命增加且慢性病罹患率提高，長期照護費用亦成為老年人口之經濟負擔。目前台灣僅以社會救助方式及全民健保支應小部份長期照護相關給付，面對未來大量長期照護需求，實應建立一完整長期照護體系。
本文參考德國、日本、英國與美國的長期照護制度，以其需求人數推估台灣長期照護需求人數，其次探討國民年金保險實施後，年金給付額與長期照護費用之差距，並以各國標準推估未來我國若以社會保險方式實施長期照護保險制度時，所需的財務負擔。另外假設長期照護保險將附加於全民健保或國民年金保險制度之情況時，推估其保險費與政府總負擔，希望對未來我國若實施長期照護保險之財務估算有所幫助。 / The goal of this study is to investigate the connection between National pension insurance and long term care insurance, and than estimate the finance of long-term care insurance. Four major stages in achieving the objective are summarized as follows:
1. Collate the long-term care systems from Germany, Japan, U.K., and U.S., and calculate the need for long-term care in Taiwan.
2. Calculate the gap between the benefit of National pension insurance and expectant long-term care expenses.
3. Estimate the financial burden of long-term care insurance.
4. Suppose adding long-term care insurance to National health insurance or National pension insurance, and estimate the premium and public financial condition.
| Identifer | oai:union.ndltd.org:CHENGCHI/A2002002024 |
| Creators | 林佳慧 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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