Statutory long-term care insurance: Who Qualifies and What You Get
Learn how this German insurance scheme provides financial support for home care or nursing home costs when you need long-term assistance.
This scheme provides financial assistance to help cover the costs associated with long-term care needs.
Who it's for
This is a mandatory scheme for all insured persons living in Germany.
What you get
If you require assistance with daily living, you can receive financial support to help pay for care services at home or the costs of living in a nursing home.
What it costs you
To access these benefits, you must undergo a formal assessment by the Medical Review Board (MDK) to determine your level of need.
The catch to know
The amount of money you receive is not fixed; it is determined by your assigned care level, known as a Pflegegrad. Because this assessment takes time, you should apply as soon as you notice your health is declining.
How to apply
- Contact your care insurance provider to request an assessment.
- Prepare to meet with the Medical Review Board for your evaluation.
- Wait for the official determination of your care level.