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How does social insurance help the disabled?
In 20 15, the state did not introduce any policy on disability allowance, nor did it amend or abolish the current Law of the People's Republic of China on the Protection of Disabled Persons, and the original policy on disability allowance remained unchanged.

The following is the part about social security in the Law of the People's Republic of China on the Protection of Disabled Persons.

Article 46 The state guarantees the right of disabled people to social security.

The government and society take measures to improve the social security of the disabled and ensure and improve their lives.

Forty-seventh disabled persons and their units shall participate in social insurance in accordance with the relevant provisions of the state.

Urban and rural grassroots mass autonomous organizations and families of disabled persons where disabled persons are located shall encourage and help disabled persons to participate in social insurance.

Disabled people with real difficulties in life shall be given social insurance subsidies in accordance with relevant state regulations.

Forty-eighth people's governments at all levels provide social assistance such as life, education and housing to disabled people with real difficulties through various channels.

Local people's governments at or above the county level shall take other measures to ensure the basic livelihood of families with disabilities who still have special difficulties after enjoying the minimum living allowance.

People's governments at all levels shall give assistance to poor disabled people in basic medical care, rehabilitation services and the configuration and replacement of necessary assistive devices.

Local people's governments at all levels should give nursing subsidies to disabled people who cannot take care of themselves.

Article 49 The local people's governments at all levels shall provide assistance to disabled people who have no ability to work, no dependents or no means of livelihood.

The state encourages and supports social forces to set up institutions to help the disabled.

Institutions that support and care for the disabled and their staff shall not insult, abuse or abandon the disabled.

According to the above laws and regulations and relevant national policies, local social security policies and implementation rules have been formulated. Long-term relief targets are generally limited to urban three-unemployed people and rural five-guarantee households. These groups include disabled people who have no ability to work, no source of income, no dependents (caregivers), no ability to work completely (first-to fourth-degree disabilities), no source of income (excluding policy subsidies and policy subsidies in kind), no parents (that is, legally supported fathers and mothers, including adoptive parents who have raised disabled people), no children and no daughters. There are also corresponding temporary relief measures for poverty caused by illness (here mainly refers to disability due to illness and difficulties in life). Because the relevant policies issued by different places are different, the publicity and implementation of policies are not in place for various reasons. It is recommended to consult the local civil affairs department or log in to the local government official website to inquire about relevant policies.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.