Apply for full inpatient home care for those with long-term care insurance
Source: Serviceportal Rheinland-PfalzAs a person insured for long-term care, you are entitled to care in a nursing home or another fully inpatient facility if home care or partial inpatient care is not possible or cannot be considered due to the special nature of your case.
In addition to the actual care services, the scope of benefits also includes social care and medical treatment care.
The maximum monthly amount that long-term care insurance funds pay for fully inpatient care services depends on your care level (as of 2021):
- for care degree 2, a maximum of EUR 770.00
- for care degree 3 a maximum of EUR 1,262
- for care level 4 a maximum of EUR 1,775
- for care degree 5 a maximum of EUR 2,005
In most cases, the costs of full inpatient care are higher than the amount covered by your long-term care insurance. You then pay a co-payment. This is the same for all residents within a facility, regardless of their care level. So if you have care level 5, for example, you pay the same amount as someone with care level 2.
From January 2022, your own contribution to care-related expenses will be reduced. The long-term care insurance fund will then pay a supplement to your own share. The supplement depends on the duration of the full inpatient care.
This supplement to your own contribution amounts to
- 5 percent if you receive full inpatient care for up to and including 12 months,
- 25 percent if you receive full inpatient care for more than 12 months,
- 45 percent if you receive full inpatient care for more than 24 months,
- 70 percent if full inpatient care is provided for more than 36 months.
The cost of care in a nursing home can vary greatly between facilities. In addition, you bear yourself:
- Costs for room and board
- under certain circumstances, costs for calculable investments. These are costs that the nursing home has, for example, for building rent or purchases. These costs can be passed on to the residents of the facility
- Under certain circumstances, costs for additional services. These are also referred to as "comfort services". This refers, for example, to a single room, special meals or special care services.
If you cannot bear the additional costs yourself, your relatives must pay for them. However, children do not have to contribute to the costs of the nursing facility until their annual gross income exceeds EUR 100,000. If your relatives cannot cover the costs either, you will receive state support via the social welfare office.
If you live in a nursing home during the week and are cared for by relatives at home on weekends, you can apply for additional benefits for home care, for example care allowance or care aids.
If you need help choosing a suitable care facility, contact your care insurance fund or your nearest care support center.