The long term care insurance
The long-term care is a social insurance of, in case of need the standard of living maintained. She takes home care and other necessary treatments to extensive recovery.
The long-term care are in the form of the German insurance not otherwise. In Switzerland, the long-term care is covered by health insurance and long term care insurance in Austria is regarded as private insurance. In Germany, however, it is mandatory, but also by private insurance (to be covered such as self-employment) must.
Long term care insurance is the latest part of the "five pillars of social security." This consists among other things, from unemployment, sickness, accident and pension insurance.
The institution of a long term care insurance are the insurance companies. This term care insurance with, however, the wage evidence in care are listed separately.
This dependency will be determined according to a report. This opinion is created by the "medical service of the Krankenversicheru" (the "MDK"). If this level of care are identified, based on this assessment, the allowance is calculated. Most are charged extra volunteers to help run the household or even other assistance. If this is not possible for the nursing homes and day patient and inpatient care is promoted. Also costs to improve the housing situation (eg stair lifts, bath lifts, etc.) and hygiene (such as bandages, associations, etc.) are covered by the insurance.
For care by a nursing precise times are given. In care I need for assistance is a set of 90 minutes a day, for 180 minutes a day care level II and III care will be taken over 300 minutes per day.
The classification level of care is limited. Since 1 July 2008 may limit the MDK such classification up to three years, also rejected several times. Is lifted after the time limit and the care of the needy can again become active in the working world, according to the MDK, the full costs of integration are covered by the insurance.
Also long term care insurance protects the desired standard by the random "quality assurance visits to carry out." Sun visited an employee of the MDK in need of care to ensure that they are maintained well enough and are not left on their own.
The accident insurance during the nursing time is taken from the statutory accident insurance free of charge. Also are in need of care, which take at least 14 hours a week care help, in the statutory pension insurance included without having to pay contributions here. Should be a need of care by family members, this year by a tax of 924 euros will be promoted. This exemption applies regardless of the ongoing care insurance benefits.
Nor can the nurse in the form of family members are encouraged by timely care courses. These courses are designed to provide care of the nursing needs of the patient and should - in the long run - save money for welfare services.
Unfortunately, there are also some prerequisites for this. The care must stop, for example, at least half a year to receive benefits from the insurance. Critically we must also see that the care for dementia or support to the social aspect of life from the long-term care are not encouraged. Long term care insurance is intended only as recovery assistance.