【摘要】 长期护理保险试点政策是积极应对人口老龄化、健全社会保障体系的重要决策部署，探讨其增收效应的内在机理具有深远的现实意义。基于家庭生产理论，利用2013—2020年四期CHARLS数据和多期DID,实证分析长期护理保险对失能家庭子女收入的影响。研究发现：长期护理保险通过现金补贴促进照护分工专门化，显著提升了失能家庭子女的收入水平。分工专门化具体表现为，同住子女工作概率降低、照护时长增加，趋向照护专门化；非同住子女照护时长减少，趋向工作专门化。因此，长期护理保险主要提升了非同住子女收入水平，并促进其提供更多的经济支持。进一步异质性分析表明，长期护理保险对不同子女规模家庭、不同性别子女存在差异影响。建议加强基础性长时照护服务供给，构建多维度的给付标准评估体系。更多还原

【Abstract】 The pilot policy of long-term care insurance is an important decision-making measure aimed at actively responding to population aging and improving the social security system. Exploring the internal mechanism of its income-increasing effect has profound practical significance. Based on the household production theory, the impact of long-term care insurance on the income of adult children in families of the disabled elderly is empirically analyzed by using the four-period CHARLS data and the multi-period DID from 2013 to 2020. The study finds that long-term care insurance promotes the specialization of children’s division of caregiving labor through cash subsidies, which significantly raises the income level of adult children in families of the disabled elderly. This specialization manifests differently across family structures: co-residing adult children exhibit reduced work probability and increased caregiving hours; non-co-residing adult children reduce caregiving hours and shift toward labor market specialization. Consequently, long-term care insurance primarily enhances the income of non-co-residing adult children and encourages greater financial support. Further heterogeneity analysis shows that long-term care insurance has differential effects on families with different child sizes and those with children of different genders. Therefore, it is essential to recommend strengthening the provision of foundational long-term care services and establishing a multi-dimensional assessment system for payment standards.更多还原