Domestic care for dependents - Pension and accident insurance for caregivers

Nursing people receive certain additional benefits in the form of insurance due to their voluntary nursing work. These include the pension and accident insurance, but also the unemployment insurance during a nursing period.

Pension and accident insurance

Depending on the time required for care, caregivers are insured under the statutory pension insurance. Anyone who cares for another person and does not work or only works up to 30 hours a week is insured there. The contributions are paid by the long-term care insurance. How high these contributions are depends on how difficult the need for care is and how much time the carer has to spend on the necessary care.

In addition, caregivers are under the protection of the statutory accident insurance during their care work. It is intended for accidents that may happen outside of the home during home care and related activities.

Nursing and unemployment insurance

Carers who drop out of work to take care of a dependent relatives can take a break from work - a so-called nursing time.

The long-term care insurance has been paying unemployment insurance contributions for the entire period of care since 2017. If the re-entry into employment after the end of care does not succeed directly, the carers can receive unemployment benefits and benefits of employment promotion. These include, for example, training or job placement assistance. This is also valid for persons who interrupt the benefit receipt from the unemployment insurance for the care.

The following prerequisites must be fulfilled for the entry into compulsory insurance:

  • The person in need of care must have at least care level 2.
  • The care is not carried out in gainful employment.
  • Nursing is carried out in a domestic environment for at least ten hours and regularly at least two days a week.
  • Before beginning care, you must have been compulsorily insured or entitled to a current remuneration.

The care allowance is not counted towards the unemployment benefit because the care allowance counts as earmarked income.

Who is considered a caregiver?

Important: A caregiver is anyone who does not care for a person in need of nursing care at levels 1 to 5 in his or her home environment.

Social security benefits are only given to a caregiver if they have one or more dependents cared for at least ten hours a week and distributed on a regular basis for at least two days a week.

At the latest one month after the beginning of the care, the volunteer caregiver must submit an application to the care fund of the caregiver for social security. The nursing care insurance then registers the caregiver with the pension and accident insurance and pays the contributions.

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