The German long-term care insurance
Long-term care insurance is a statutory compulsory insurance, intended to cover the risk, to be in need of care. In Germany, social long-term care insurance was 1995 introduced as an independent part of social insurance. Each person, who is a member of a statutory or private health insurance company, is also subject to compulsory insurance under long-term care insurance. In Germany, social long-term care insurance is the so-called "fifth pillar" in the structure of compulsory social insurance. It takes its place next to the statutory health insurance, accident insurance, pension insurance and unemployment insurance. The decision, social long-term care insurance in the event that the insured person is in need of long-term care, to establish it as an independent institution was made, to ensure better care for people in need of care. The need for this also arose due to our aging society. The fact is, that there are and will be more and more people in need of care, who are dependent on care and who will have to take advantage of the benefits of care insurance.
Who is entitled to long-term care insurance benefits?
Everyone with statutory health insurance is entitled to it, if proof of an insurance period of at least five years with a long-term care insurance fund can be provided before the application is submitted. Long-term care insurance is basically compulsory insurance and follows health insurance.
How much does nursing care insurance cost?
they pay 0,25 percent of your income for long-term care insurance. The contribution for compulsory long-term care insurance is limited to a certain sum. The maximum amount is current 138,40 euros per month. Childless people pay a maximum supplement of 11,34 Euro, so a total of up to 149,74 Euro.
How high is the proportion of long-term care insurance?
For those with statutory PV insurance, there has been since the care reform of the grand coalition in 2008 a general uniform contribution rate. This one is for 2019 at 3,05 percent or. for over 23 year childless 3,30 % from the insurable income.(Stand 2020)
Who gets the money from the care level?
The care allowance is paid directly to the person in need of care by the care insurance fund, not to the person, who takes care of the person in need of care. The person in need of care may freely dispose of the care allowance, however, it is intended by law as financial recognition for the caregiver.
The nursing care insurance fund responsible for you will be happy to provide you with further information.