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認知症予防研究所

認知症の介護を助けてくれる介護保険とは?

認知症の介護を助けてくれる制度として介護保険があります。認知症予防が実らず、ご自身またはご家族が認知症と診断されたならば介護保険を受けることで本人とご家族の負担を減らすことができます。このため介護保険については認知症予防を実践している段階からその内容や手続き方法について概要を知っておくことが大切だといえるでしょう。

介護保険とは?
介護保険とは、様々な病気によって要介護状態になった時のために前もって加入しておく社会保険制度です。日本では公的介護保険と民間の介護保険があり、公的介護保険では介護サービスを、民間介護保険では介護一時金や年金を受け取れるようになっています。

公的介護保険は1997年に国会で制定された介護保険法に基づき施行されています。40歳以上の国民全員が基本的に加入しています。税源は税金等の公費から50%が、残りの50%は加入者の保険料です。

介護保険サービスを受けるためには?
このように国民全員が加入する社会保険なのですが、要介護状態となった場合でも自動的に介護保険サービスが利用できるようになるというものではありません。介護保険サービスを受けるための手続きとしていくつかの段階を経ていく必要があります。

介護保険サービスを受けるまでの手続きの流れ
介護保険サービスを受けるまでの手続きの流れは以下のようになります。

1 要介護認定を受ける
・要介護認定の申請
・医師の意見書の作成、訪問調査
・要介護度の決定
・認定結果の通知受け(要介護・要支援もしくは非該当)

2 要介護認定に応じて利用できる公的介護サービスを選び、申し込む
・居宅サービス、支援サービス、施設サービスから選ぶ
・それぞれのサービスについて具体的にどれをどの程度利用するかを決める
・介護保険施設の場合、特別養護老人ホーム、老人保健施設、介護療養型医療施設のどれに該当するかを確認し、申込みを行う
・先に申し込んだ待機者がいる場合、介護を受けられるまで待機をする

以上のように介護保険の介護サービスを受けるまでには様々な手続きが必要で、場合によってはサービスを受けるまで待機する期間が長くなる場合もあります。それらを踏まえた上で自宅での介護の必要度も変わってくるので、前もってできるだけの情報を得ておくようにして下さい。

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