Финансовые аспекты современного этапа конвергенции страхования и системы долговременного ухода за пожилыми и инвалидами на уровне частных домохозяйств

Abstract

The need to provide long-term care for the elderly and disabled persons in a situation of limited personal resources can jeopardize the financial security of a private household. This is related both with additional expenditures on various social services and artificial restricting the economic activity of household agents committed the care function. At some point the financial problems of the household are transformed into social problems. The social nature of the problem of long-term care determines the participation of the state in organizing a special system aimed at solving problems of outside assistance to the elderly and disabled and its financing. The rapid growth in the number of people in need of such assistance leads to searching the sources to cover the increasing costs of maintaining the system and providing social services. One of them is connected with the insurance system that can be introduced into the financial mechanism through the insurance coverage to beneficiaries and financing of infrastructure facilities. There have been analyzed the main options for including non-state insurance into the mechanism of leveling the financial risks of households associated with the long-term care. These are cumulative insurance, classic risky personal insurance and specialized long-term care insurance. There have been defined the immediate prospects for participation of the Russian insurers in this segment, presented the entry points to the modern Russian model of long-term care of the compulsory social insurance system.