(The underlying consideration is that loss of the ability to work prior to retirement age is a healthcare problem, the cost of which should be borne by the Health Insurance Fund until retirement age is reached.
(决定此安排的基本考虑是，在退休年龄之前丧失工作能力是保健问题，其费用在到达退休年龄之前应当由健康保险基金承担。)