高齡經濟安全之促進：長照制度下不動產信託之適用

Strengthening Economic Security for the Elderly: Integrating Real Estate Asset Trust into the Long Term Care System

財產所有人在邁向高齡之際，身體與心理逐漸失去原有健康的功能，對於其財產守護與支配之權利逐漸鬆弛而力有未逮，形成財產所有人管理處分權的停滯，更甚者淪為詐騙集團剝削對象，財產中不動產方面可能影響高齡者居住安定或利用價值減損，不動產管理處分所需的專業與評估複雜，一般民眾尚難以準確分析更遑論高齡身心失能者，對於欠缺或喪失管理處分能力之所有人，將不動產信託給可為信任之人將可緩解該部分之遺憾。
目前政府對於高齡者注重在身心照顧方面的政策，對於高齡者財產如何使用與維護多未觸及，畢竟是屬於人民個人權利，不宜直接立法干預，如此將可能致使高齡者家庭為財失和，環視現行制度，除高齡者人身照顧政策，財產照顧是否可以透過相關財產法制搭配，建立人身與財產兼顧之制度。
換個思考方位，如果能有效規劃導正，或許能減少社會紛爭，降低不法行為與訟源，減少政府對於長照制度的經濟負擔，將結餘資源移撥到其他社會政策運用，畢竟不能過度期待人民自律自省，惟有透過倡議及修法，短期內透過現有制度思考改善，長期規劃透過修法健全體制，使長照制度進化到人身與財產兼備的照顧制度。身心失能者需要的援助，已不僅止於身體照顧需求，維護其尊嚴與生存的財產照顧，也亟需外界支援與政府扶助以導入正軌。

As property owners age, their physical and mental functions gradually deteriorate from their original healthy state, rendering them unable to effectively manage their assets and even making them vulnerable to exploitation by fraud syndicates. This is particularly concerning for real estate, which affects the elderly's residential stability in their later years. Government policies for the elderly focus on physical and mental care without direct legislative intervention in the planning and arrangement of citizens’private property. Examining the current system reveals a separation between personal care and property management service for the elderly, raising the question of whether relevant legal frameworks can be integrated to complement these deficiencies. In view of these factors, it is essential to evaluate how to improve the application of existing systems in the short term, while planning legislative amendments for the long term to establish a comprehensive framework that evolves the long-term care system into one that addresses both personal and property-related needs.