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A Proposal for Need-based Service Delivery System of Long-term Care Insurance for the Elderly: Focusing on Nursing-home Allowance

Chulsoo Kim 1

1선문대학교

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ABSTRACT

The purpose of this study is to propose supplementary policy for the successful enactment of the long-term care insurance, particularly focusing on the allowance in nursing-home. Our present long-term care service system is very poor and the service has been provided mainly to people in the low-income brackets. Accordingly, for the elderly over the middle class, there are not sufficient accommodations in nursing home. If the long-term care insurance is to be enacted, we can expect several serious problems: insufficient number of nursing home, regional imbalance, low level of service quality, and difficulty of meeting various needs of people from different socio-economic background. The role of government is the most crucial in procuring the facilities to provide the service. Considering the difficulty of government's financing such facilities, however, this study suggests two supplementary policies: First one proposes to procure and improve the nursing home through urban redevelopment projects and old apartment reconstruction projects. It also suggests that the government should provide some type of incentive for the participation of private sector. Service for profit should be allowed to improve the employee's salary and their specialization. For the caregivers' family, the co-op model is suggested to reduce the burden, split the cost, and to get the mutual assistance. It is also expected that this co-op model is helpful to preserve the traditional family ethics.

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