Liu Shuzhen had three worries. One is worried about his parents, the other is paralyzed, lying down for a long time, and the bedsore is serious; Second, I worry about myself. I stay in front of my bed every day and can't go out to work; Three worries about life, treating the elderly, and hollowing out their savings. In 2020, Liu Shuzhen is still living a tight life with her fingers; In 2021, Liu Shuzhen enjoyed the treatment of long-term care insurance. The three worries were finally solved together. With the implementation of the "rural care insurance promotion plan", rural residents can also enjoy long-term care insurance. Tianheng Town, Jimo District, is located in the northeast of Qingdao, Shandong Province. It takes an hour to drive from the urban area to the home of Liu Shuzhen, a villager in Cuizhao village. Liu Shuzhen's parents had cerebral infarction for many years and were paralyzed in bed. When you enter the room, the room is clean and you can't smell any peculiar smell. In the past, the Liu Shuzhen family suffered a lot. When taking her parents to the urban hospital for treatment, Liu Shuzhen needed to rent a car and asked her neighbors to help. It took her a long time to go back and forth. "On weekdays, village doctors can't come every day. The two old people's bedsores are not cleared in time, and they are not getting better." Liu Shuzhen was so anxious that she wiped her tears. One day, Liu Shuzhen was sitting in front of the door worrying. She saw several cars driving into the village. Several propagandists came down from the car, holding brochures and distributing them door to door. "What is long term care insurance?" Liu Shuzhen asked, "there are old people in my family who can't move. Can you take care of them?" "Through the assessment, the elderly can enjoy medical and life care services." The propagandist handed over the book. In 2012, Qingdao took the lead in exploring and practicing the long-term care insurance system in China, and was later identified as one of the first pilot cities of the long-term care insurance system in China. However, the coverage area of the policy is mainly cities, and the service objects are urban residents and insured employees. In 2021, Qingdao will deepen reform and implement the "rural nursing insurance promotion plan". Rural residents who are assessed to be level III, IV, V or severely retarded can enjoy medical services and life care services like urban insured workers. Liu Shuzhen plans to have a try. She reported her name, and on the same day, an evaluator came to the house to confirm that the two elders met the requirements, and formulated a targeted nursing plan. Since then, nurses have regularly come to help the elderly massage, turn over and clear bedsores. "The medical staff regularly come to the door to adjust the medication. Since last year, the two old people have not committed cerebral infarction again." Liu Shuzhen said. Less pressure on life - how difficult is it to optimize the diversified financing mechanism, improve the insurance payment standard and implement the long-term care insurance system in rural areas? "In the past, the financing channel of long-term care insurance was single, which only came from the transfer of medical insurance funds. The payment standard for nursing institutions was low, and only medical care expenses were paid. The second level payment residents were 2500 yuan per year, and the first level payment residents were 3000 yuan per year." Tian Wei, director of the maternity and nursing insurance division of Qingdao Medical Insurance Business Center, said. "To serve a resident in the countryside, the medical insurance department pays two or three thousand yuan a year. After the cost is removed, there is not much." Yao Tian, director of Jimo Quankang clinic, said. To make up for the shortcomings in rural areas, it is not enough to have a system alone. We must solve the problem of funds. Qingdao has optimized the diversified financing mechanism, established a special account for residents' nursing insurance funds, and raised funds through personal and financial channels, at the rate of no less than 10