Is a private supplementary care insurance make sense? We want to provide you with the most important arguments and in ours Nursing supplement insurance comparison to present the best offers for your individual situation.
Today in all media, the pension debate in the foreground and in the election campaign is always about the issue, pension from 67 or pension from 70, as well as the ever-present and threatening for many workers age poverty. Behind it often fades the long-term care insurance, which should, however, in our view, much more in the foreground. If you have any current thoughts on the organization of professional caregivers or need to do, we recommend the information from www.24-Stunden-Pflege.net
Our recommendation: Check now simply and comfortably a care day money insurance!
Basically, every person who needs care in old age should also be treated accordingly. The central question is: “Who will care for Germany and will manage to get the many unoccupied foster homes into work?” With ours Nursing supplement insurance comparison At least we help you close the funding gap in long-term care insurance. Compare now for free and without obligation your additional care insurance.
Nursing supplement insurance, how useful are a comparison and the conclusion?
If you do not have the prospect of being looked after by relatives, children, or close relatives, you should consider early on how the potential care of old age can be achieved without financial risk.
The statutory long-term care insurance, partial coverage for the care case
The statutory long-term care insurance is deducted proportionally from the employee‘s income and amounts to 2.55% of the contributory income. For those who have remained childless throughout their lives, the personal care contribution rate is 2.8%. Whether the amount accumulated by this contribution payment then also extends to the care in old age depends on the degree of care and the need for care. The statutory long-term care insurance makes only up to certain limits and secures the Care basic needs. If these limits are exceeded by intensive care and accommodation in the nursing home, the resulting gap must be closed by the private property of the caregiver. That’s why it’s best to provide with a supplementary care insurance.
So you can assess the need for supplementary care insurance
Consider your personal situation and decide in which region, near the city or in the countryside, you are home. The higher the density of housing, the greater the care demand and the more expensive the accommodation in the nursing home and the care depending on the degree of care. Monthly costs between 2500, – up to 4000, – € per month are to be calculated accordingly.
If you also set the average, monthly benefit of the statutory long-term care insurance of about 1500, – €, you see the financial gap of 1000, – to 2500, – € per month. If you then look at an average nursing time of about five years, often quite quickly results in an entire financing gap from over 100,000, – €. Whether your pension is sufficient to take over this amount, you can read your pension projection or the pension notice. If pension and statutory long-term care insurance are not enough, only the access to the laboriously saved years or the sale of the previously owner-occupied residential property to cover the funding gap in long-term care insurance remains.
Basically, that is statutory long-term care insurance only as basic cover which, like a partial comprehensive insurance, never covers the entire care costs, but only the basic care services.
The Care costs insurance takes over according to the rates and classifications stipulated in the contract, the payment of outpatient or inpatient care with one proportionate percentage. With this supplementary care insurance you increase the legal care insurance by a certain percentage. In order for the percentage to be calculated, the Proof of incurred care costs through a professional care provider can be performed. Therefore, this form of supplementary care insurance is rather unsuitable for private care.
In contrast to the nursing day allowance, the disbursed amounts can not be freely disbursed and only legally recognized care benefits are paid pro rata. This kind of supplementary care insurance is therefore especially suitable for those, they expect one take advantage of professional nursing service to have to.
Care daily allowance insurance, our recommendation
In the Care daily allowance Insurance takes over the supplementary care insurance fixed daily rate which has been agreed in advance depending on the degree of care and then comes to disbursement. It does not matter whether you are cared for in a professional care facility or at home. It is only important to determine the degree of care and the level of care. In this way, you can compensate for the loss of earnings of a caregiver with this agreed daily allowance. For the payout is no proof of the actual care benefits, but only the determined level of care is crucial. The Nursing Care Insurance is recommended for a privately organized care or as a supplement to professionally organized care services.
Care Pension Plan
With a Care Pension Plan will the risk protection for the care funding gap connected with an investment. We can not recommend this in the current investment situation with quasi zero interest rates. Even the best insurance companies can not currently generate any meaningful interest. The functioning of the nursing care insurance is similar to the care daily allowance insurance. With Determination of the need for care becomes one monthly freely available pension payment triggered. It is therefore irrelevant whether the care is carried out in the circle of private relatives or by a professional nursing service. The payment of the pension benefit will only be made if the care case also occurs.
Important to knowledge!
If you are in need of care and have made no provision for possible funding gap in the care and also no cash or real estate assets is available, so their children with Parents Maintenance used for yours.
A care insurance is a pure risk insurance. This means for you that if the care case does not occur, the accumulated money is not repaid or distributed to their heirs. Nevertheless, we consider a private long-term care insurance to make sense, because in case you want your relatives the risk cover certainly not expect!
This is how the supplementary care insurance works
At the beginning of 2017, the legislator has made a total of five care levels out of the three care levels so far. It was important to include special services for dementia patients in the nursing care system. New supplementary care insurance is now based on the newly established levels of nursing care, which we have listed for you in the following overview. With this change, many people in need of care are entitled to considerably more benefits, which is why all supplementary care insurance policies have significantly increased their rates in 2017. Therefore, it is even more advisable to carry out a supplementary care insurance comparison.
⇒ Adjustment of the care levels from January 2017
|Care level until the end of 2016||Care level from 2017|
|Level 0 with dementia||Grade 2|
|Stage I||Grade 2|
|Stage I with dementia||Grade 3|
|Stage II||Grade 3|
|Stage II with dementia||Grade 4|
|Stage III||Grade 4|
|Stage III with dementia||Grade 5|
All previous hardship cases are also graded 5, Source: Federal Ministry of Health
In order to be assigned to a certain level of care, you must submit an application and the degree of care will then be determined by a neutral assessor. This is taken over in the vast majority of cases by the private supplementary care insurance accordingly. In some cases, the assessment of the insurance-owned appraiser is required again.
Health check when taking out supplementary care insurance
In any case, the insurers want to know what risk they are taking on with the conclusion of supplementary nursing care insurance, which is why they are also diagnosed in particular Pre-existing conditions asked. In any case, you should indicate this correctly, even though you may be required to pay supplements to your care allowance. If false information is discovered in case of need, it can happen that you have to expect significantly reduced or no benefits.
Nursing supplement insurance, the sooner the better!
The older they are, the shorter is also the Ansparphase up to a possible long-term care. For this reason, then the monthly contributions are much higher. Even in old age are often some Pre-existing conditions already diagnosed and the resulting surcharges also increase their monthly contribution to the supplementary care insurance. It is recommended to choose a supplementary long-term care insurance, which only enters the service after a higher level of care. So you save on the contribution payments and have the support of your extra care insurance for the particularly expensive nursing degrees.
Special case Pflege-Bahr insurance
This supplementary care insurance will legally promoted and has to contract. This means you must be included by the insurance in any case and therefore deleted also one health check. If you are aware of pre-existing conditions that would trigger high risk premiums, we recommend the Pflege-Bahr Insurance. After certain preconditions for the nursing degree and the legally determined care allowance, the Pflege-Bahr grant entitles you to a subsidy of five euros per month, insofar as you pay at least ten euros per month in your supplementary nursing insurance. The service is provided as in the care daily allowance insurance as a non-performance subsidy. Of course, the height is rather to be rated as a drop in the bucket.
Definition of long-term care according to the Social Code
Sozialgesetzbuch (SGB) – Eleventh Book (XI) – Social Nursing Insurance (Article 1 of the Law of 26 May 1994, Federal Law Gazette I p. 1014)
- 14 Concept of long-term care
(1) For the purposes of this book, persons in need of care are persons who have health-related impairments of self-reliance or abilities and therefore need help from others. They must be persons who can not independently compensate or manage physical, cognitive or psychological impairments or health-related burdens or demands. The long-term care must last for at least six months and at least the severity specified in § 15.
(2) Decisive for the existence of health-related impairments of self-employment or abilities are the care-related criteria named in the following six areas
1.Mobility: changing position in bed, maintaining a stable sitting position, moving, moving inside the living area, climbing stairs;
2. Cognitive and communicative skills: Recognition of people in the immediate vicinity, local orientation, temporal orientation, reminder of significant events or observations, controlling multi-step everyday activities, making decisions in everyday life, understanding of facts and information, detection of risks and dangers Communicating elementary needs, understanding prompts, engaging in a conversation;
3. Behavioral and psychological problems: motor-driven behavioral disorders, nocturnal restlessness, self-injurious and autoaggressive behavior, damage to objects, physically aggressive behavior towards other persons, verbal aggression, other vocal abnormalities, defense of nursing and other supportive measures, delusions, fears, listlessness in depressed mood, socially inadequate behaviors, other inappropriate care-related activities;
4. Self-care: washing of the upper part of the body, washing of the head, washing of the genital area, showering and bathing including washing of the hair, dressing and undressing of the upper part of the body, dressing and undressing of the lower part of the body, proper preparation of the food and pouring of drinks. Eating, drinking, using a toilet or a commode chair, coping with the consequences of urinary incontinence and dealing with indwelling catheter and urostoma, coping with the consequences of fecal incontinence and dealing with stoma, parenteral or by nutritional diet, grave feeding problems in children up to 18 Months, which cause an extraordinarily care-intensive need for help;
5. Coping with and independent handling of illness or therapy-related requirements and burdens:
a) in terms of medication, injections, intravenous access, aspiration and oxygenation, rubs and cold and heat applications, measurement and interpretation of body conditions, body-near aids,
b) dressing changes and wound management, stoma treatment, regular one-time catheterization and use of laxative methods, home-based therapy,
(c) with regard to time- and technology-intensive measures in the home, medical visits, visits to other medical or therapeutic facilities, long-term visits to medical or therapeutic facilities, visits to early childhood education facilities, and
d) with respect to the observance of a diet or other disease or therapy-related behavioral prescriptions;
6. Designing everyday life and social contacts: shaping the daily routine and adapting to changes, resting and sleeping, occupying oneself, making plans for the future, interacting with people in direct contact, cultivating contacts with people outside the direct environment.
(3) Impairment of self-employment or abilities leading to the inability to manage the budget without assistance shall be taken into account in the criteria of the areas referred to in paragraph 2.
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