Domestic Care for Relatives - Payments from Long-term Care Insurance

If relatives take care of themselves, those in need of care receive a monthly allowance from the long-term care insurance. With this money, they can afford the increased expenses incurred by the care. Depending on the degree of care, the amounts vary. The person in need of care receives the approved sum directly from the nursing care fund and can thus pay relatives, friends, neighbors or other persons who care for them.

Quality Assurance visits for proper care

To ensure that care is properly provided, Nursing Benefit recipients in Nursing Care Level 2 and 3 are required every six months, and Nursing Levels 4 and 5 every three months are required to provide nursing advice through a Nursing Service approved by the Fund allow. The costs are borne by the nursing care fund. Even if people with care grade 1 are not entitled to long-term care allowance, they can voluntarily make use of the visits.

Home care services

Persons in need of care who refrain from an outpatient nursing service receive a monthly care allowance to support and recognize care. The person in need of care may freely decide for what he uses the care allowance.

However, the prerequisite is that home care is adequately guaranteed. This is first determined by an appraiser and then, as described, checked in the regular quality assurance visits.

The care allowance depends on the respective care level and is monthly:

  • 316 euros at nursing level 2
  • 545 euros at nursing level 3
  • 728 Euro at nursing level 4
  • 901 Euro at nursing level 5

Services for outpatient care (nursing care)

People in need of care can use an outpatient nursing service, which carries out the care at home. The costs are covered by the long-term care insurance. The person in need of care can choose between all nursing services who have concluded a care contract according to §§ 71 ff. SGB XI. The nursing services then calculate directly with the long-term care insurance.

The monthly maximum amounts for the nursing service amount to:

  • 689 euros at nursing level 2
  • 1.298 Euro at nursing degree 3
  • 1, 612 euros at nursing level 4
  • 1, 995 euros at nursing degree 5

Services for in-patient care

In the case of full in-patient care in a supervised institution, the long-term care insurance pays a monthly lump sum to the nursing home. This is:

  • 125 Euro at nursing degree 1
  • 770 Euro at nursing level 2
  • 1, 262 euros at nursing level 3
  • 1.775 euros at nursing grade 4
  • 2, 005 Euro at nursing degree 5

The person in need of care must pay for the costs incurred for accommodation, food and any special comforts - unless the care costs are less than the flat rate paid by the long-term care insurance. In this case, the lump sum covers the costs of accommodation and meals.

Relief for Nurses: Preventive care

If at home care the caregiver is prevented for work or illness reasons or goes on vacation, the patient is entitled to the replacement care.

The Nursing Fund pays up to € 1, 612 per year for replacement or preventive care for a maximum of six weeks. The prerequisite is that the caregiver has already cared for the person in need of care before the first prevention for six months as part of a nursing degree.

If the preventive care is taken over by close relatives, they can, for example, claim compensation for travel expenses or loss of earnings. It could also be the nursing service more often, if the person in need of care can still stay alone for hours.

Alternative short-term care

If replacement care is required before the end of the year, you can assign the person in need of care to a short-term care facility for a certain period of time. There, people in need of care are cared for in hospital for a limited period of time. The costs of short-term care will be covered for up to eight weeks with up to € 1, 612.

Short-term care and replacement care can also be claimed side by side within a calendar year. This entitlement to preventive care and short-term care is recreated every calendar year. Many retirement homes also have some temporary care places. But there are also facilities for short-term care alone. The addresses can be found at the care advice centers on site.

Semi stationary care and night care

Another way of relief: Older people are cared for in a so-called semi-stationary facility during the day or at night and cared for, otherwise they live in their own apartment. Day and night care are particularly useful when caregivers are working.

Day and night care facilities are offered by charities, municipal and private agencies. While day care facilities are very common in Germany, night care facilities are, however, hardly common.

The benefits for semi-stationary care amount to a maximum of

  • 689 euros at nursing level 2
  • 1.298 Euro at nursing degree 3
  • 1, 612 euros at nursing level 4
  • 1, 995 euros at nursing degree 5
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