First care case, then social case? How to save yourself right!
Do you sometimes think of old age? What's that like when you're, say, 80 years old? ?Oh, that is still a long time, ? At this age, at least every fifth woman in Germany is in need of care. ?Do we have to talk about it now? ? Maybe then you will still live in your apartment, and your husband, still fit and fit, will naturally take care of you. ?Well, I do not want to worry about that now ...? Or your children, they will take care of you! Your daughter will even give up her job for a few years ...?Will not she! And she should not! ? Well, your pension may not be enough to pay for a place in the home; So, your daughter, your son, will give up some salary every month because the welfare office will get the care costs back from their relatives. ?Are you crazy!? Why that? I pay every month in the long-term care insurance, because then probably the state will pay for the costs !!
No, the state will not. Or only to a certain extent: 2005 Euro, this is the maximum rate that will be paid if someone with the highest level of care 5 is cared for in a home. In addition, every patient, regardless of the degree of nursing, has to pay a personal contribution. And not everyone can afford that. Last year, the Bertelsmann Foundation analyzed the care landscape in Germany. Outcome: In almost half of counties and county-level cities, the average income of seniors over 80 is not enough to finance professional care and housing in the home. ChroniquesDuVasteMonde financial expert Helma Sick says, "There used to be big families where any unmarried aunt could take care of the elderly, and the times are over." She is certain: "It will increasingly be the case that people can not afford the care they need themselves."
Nursing care insurance is widespread in Germany
In her lectures on the subject of old-age provision, she regularly looks into frightened eyes. "Most people have no idea how much a home space costs, and when they get into that situation when they get older, there's a rude awakening." That's why private nursing care insurance companies have been around for a few years, which can help close this gap. In total, about 3.6 million such policies have been completed in Germany so far. The most widespread is the nursing care insurance with approximately 2.8 million contracts, it is offered by private health insurance. In the case of long-term care, the insured person receives a fixed amount for each day. The amount is determined in the contract. Insured persons receive the full daily allowance if they have Nursing degree 5, while at lower levels of care they receive a certain percentage of the full daily allowance. Advantage of the Nursing Care Allowance: It is freely available and can be used at your own request? to finance the costs of the nursing home or the disabled-friendly conversion of your own home, for professional or private care at home, for helping relatives and friends.
For whom is a care day insurance useful?
"You should think about supplementary long-term care insurance from the middle of the 40s, at the age of 50 at the latest," says ChroniquesDuVasteMonde financial expert Helma Sick. "At a young age, it is much more important to take out occupational disability insurance to secure the workforce." Who recognizes when looking at his pension decision: This will not be enough to pay the own share in a nursing home? he should take out a daily allowance insurance. Likewise, all those who may have savings and / or real estate, but would rather inherit their children than consume it for their own care. And for many it is also important that they do not become a social event and that they do not become a burden to their children later on.
You should pay attention to this when choosing your tariff
What should be the daily rate agreed in the contract ??
Usual are 50 euros per day, that is 1500 euros per month. For this sum? and for a 45-year-old sample customer? On behalf of ChroniquesDuVasteMonde, independent analyst firm Morgen & Morgen has compiled the ten cheapest recommendable care allowance insurances (see table below). For 55 tariffs of 27 companies were compared.
Who decides if and how much I get paid?
? All our rates are based on the assessment of the medical service of the health insurance companies or insurance companies: If you have been classified for a level of care and receive money from the statutory long-term care insurance, you are also entitled to the nursing day allowance.For all tariffs in the table applies: The daily allowance with inpatient care is just as high as with outpatient, and is paid? but different amounts? from grade 1
Do I also get the daily allowance if I live abroad?
Within the EU: yes.
What if care becomes even more expensive until I become a nursing case?
The rates listed contain a dynamic without renewed health checks until the case of care occurs; the benefits, but also the contributions increase regularly. To ensure that the premium increases remain moderate, we have only included rates with aging provisions.
And if I'm not a nursing case?
? As with all risk insurance: Then your contributions are gone. To take out a Nursing Care Insurance you have to answer carefully a number of health issues. Our table should give you a first orientation. You can also compare online rates, eg. On the independent portal www.sorgloscheck.de. It's best to find the right offer for you together with an insurance advisor.
Supplement to the Nursing Care Insurance (ChroniquesDuVasteMonde 20/2017):
After the editorial deadline fused on 15.8. the insurance German ring and signal. Under the name Deutscher Ring (3rd place in the table), tariffs are no longer offered. Wurttemberg is moving up to 10th place with a monthly fee of 50.50 EUR (PG 1: 75 EUR, PG 2: 600 EUR, PG 3: 975 EUR, PG 4: 1275 EUR, PG 5: 1500 EUR) In contrast to the other tariffs, for in-patient care from PG2 on, he always pays 100% = 1500 EUR).
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