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The accelerated development of the aging population is the basic trend of the development of the world's population, the world has gradually entered the aging society. With the increasing levels of socio-economic development in China, the extensive use of state-of-the-art medical equipment, the average life expectancy of the population in China also continue to improve, coupled with the implementation of the family planning policy has paid off in the late 1970s on the twentieth century, the family structure growing miniaturization and social problems of the weakness of maintenance and care of the elderly. To solve this problem, China has established a relatively sound social security system, but the issue of the development of long-term care insurance is still relatively lagging behind. With the dramatic changes in the social life, the care of the elderly has increasingly become the focus of society in general. From the dramatic aging of China's population of this perspective, explore the necessity to establish long-term care insurance, analysis of long-term care insurance in the period of social transition, and learn from the successful experience of foreign long-term care insurance, suitable for China's national conditions suggestions, want to be able to provide some useful help for the establishment and development of China's long-term care insurance. First, the discussion around the need to expand our long-term care insurance to establish. With the continuous improvement of the quality of life and medical standards become more and more advanced, the average life expectancy in the country continue to extend; China's family planning policy has paid off, to inhibit rapid population growth, the social phenomenon of the aging of the population is also increasingly prominent. Therefore, elderly old age pension and care has become the subject of the reality we must face. Although China's long-term care insurance has not been included in the social security system, has been involved only in commercial insurance, but to cause widespread concern of the whole society. Due to the lack of long-term care insurance, social and family economic burden is too heavy, government fiscal spending increase for the aging population, elderly care, and used the problem of higher. Therefore, for the establishment of long-term care insurance to solve the problems of the senior citizens in retirement care is very necessary. Secondly, the social transformation of long-term care insurance in-depth analysis. In today's market economy is booming, China is undergoing a comprehensive and systematic social transformation traditional pension with care, in miniaturization family pressure, can no longer meet the needs of older people's growing material and spiritual. In fact, China has formed a new concept of old-age family pension is based, community-based care for relying on institutional pension supplement \Again, the article describes the status of the development of foreign long-term care insurance, and learn from the successful experience. This paper selected three developed in Germany, the U.S., Japan, long-term care insurance to discuss the basic prerequisite for them to establish a long-term care insurance, are also more and more serious aging of the population, the basic life difficult for the majority of the elderly, and unable to pay the high cost of a hospital or nursing home. Therefore, these countries have established a relatively perfect care insurance model, to solve the problem of the cost of insured people in a certain age suffering from chronic diseases and care. Under the present stage in the background of an aging population, but also the need to actively establish a long-term care insurance to protect the elderly's old age, through to to moderate learn from the successful experience of Germany, the United States, Japan and other countries, in line with China's national conditions, to establish long-term care insurance model of development is imperative. Finally, for our lack of long-term care insurance, the basic ideas to build our long-term care insurance. Due to the aging of the population is the inevitable trend of social development, will bring enormous pressure on China's economic development and challenges. Build long-term care insurance, according to China's specific national conditions, to determine its basic concept, and to pursue the basic principles of fairness, the rule of law and economic development adaptation only on these foundations, we can put forward feasible countermeasures and recommendations.
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