老有所依,情有所系OACHSSCD

Against the backdrop of population aging and the transformation of family support in China,how Long-Term Care Insurance(LTCI)reshapes children's intergenerational support has become a critical issue.Based on the data from the China Health and Retirement Longitudinal Study(CHARLS)from 2013 to 2020,this study employs a multi-period difference-in-differences approach to assess the impact of LTCI on various dimensions of filial support.The findings reveal that LTCI does not simply"crowd out"family-based elderly care but drives its structural transformation from"full-factor investment"to"emotion-driven".The policy significantly reduces children's financial and instrumental support while enhancing their emotional support.The mechanism analysis identifies the dual pathways of"reduction of burdens"and"relaxation of restrictions".The former reduces out-of-pocket medical expenses and increases formal care services,replacing the economic and care input from children.The latter improves the mental health of the elderly and promotes intergenerational emotional communication.Further analysis shows that the policy effects are systematically moderated by family micro-characteristics.Demand-side factors such as disability severity and child-rearing burden,as well as supply-side resources such as the number of children and income,jointly regulate the intensity of the policy effect.Moreover,the policy models also exhibit heterogeneity characteristics:service-based models and mixed models significantly affect all three dimensions of generational support,whereas cash-based models primarily enhance emotional support.This study offers a new theoretical perspective on the interaction between social security policies and family elderly care fuctions,with implications for building a synergistic"family-society"collaborative elderly care system.