The nursing care insurance was introduced starting from 1 January 1995 with introduction of the SGB XI as "“fifth column"” of the social security into Germany ("“law for the social security of the risk of in need of careness, nursing care insurance law - PflegeVG"”). The carriers of the nursing care insurance are the care cashes, whose tasks of the health insurance companies are noticed. All legally ill-insured persons were accepted with the entry into force of the SGB XI to the social nursing care insurance. All fullinsured of a private health insurance became members of the private nursing care insurance (PPV). Thus an insurance protection for almost the entire population was introduced for the first time. In order to provide for the nursing care insurance sufficient funds, the obligation to pay contribution began on 1 January 1995, while the first achievements could be stressed only starting from 1 April 1995. Since 1 April 1995 achievements for the domestic care are taken over, since 1 July 1996 also for the stationary care.

The nursing care insurance is a mechanism of the German social security system. In other states it is missing or differently to determined institutions for distribution assigned. In Austria the federal care money law BPGG is not a comparable mechanism, Switzerland has such system.

Emergence of the nursing care insurance

The long discussed nursing care insurance stepped as 5. Branch of the social security on 1 January 1995 with payments of dues of 1% of the gross income into force, in order to form a financial base. Starting from 1 April 1995 the nursing care insurance achievements granted 1996 achievements for the stationary care for the domestic care, starting from 1 July. The contributions rose then to 1,7% of the gross income. For the financing of the employer contributions the Buss and praying day were abolished as holiday. (Exception: Saxonia - there the employees pay however also 1.35% instead of 0,85%)

The introduction of the nursing care insurance became necessary, because the social welfare assistance costses represented one "„explosive device "“in the local households. Ever social welfare assistance achievements had to take more persons up, because its pensioner income (etc.) was not sufficient for the high costs of the care. To financed at that time itself the care from tax proceeds and the area of application of the SGB V as well as particularly from own resources. Traditional ways of life eroded increasingly, i.e. the family support with in need of careness sank among other things due to social changes. /The particular became more susceptible in relation to material life risks, which caused the necessity for national control efforts. For the majority of all in need of care ones existed no protection against the care risk in such a way specified above the social welfare assistance level.

The reason for the introduction of the nursing care insurance, transported outward, describes the desire to protect old humans social welfare assistance dependence defamed by them because of in need of careness. The using and distribution effects of the nursing care insurance actually aim off at the center of the society.

Social welfare assistance in the form of "„assistance to the care "“becomes in the future nevertheless necessary with rising tendency. With introduction of the nursing care insurance the care drop risk acknowledgment found as a general life risk. However it acts thereby around a budgeting system instead of a satisfaction of requirements system. Budgeting system means that there is a firm amount, which is paid as support of the insurance depending upon care stage no matter how highly prices for the services, e.g. by inflation, in the course of the years rising should.

Care stages

In order to be able to take achievements up of the nursing care insurance, a care stage must be determined. In need of care ones place to it a request with their health insurance company. Or it is placed there in its order. From there a consultant of the medical service of the health insurance is assigned, which in need of careness tightens the care stage on the occasion of a house attendance with consideration of a care diary if necessary led and recommends depending upon determined care expenditure of the cash.

It exclusively aligns itself at the temporal requirements for the care. As pflegerische achievements assistance is considered with the hygiene, the nutrition and the mobility (basic care) as well as the house-economical supply. Other important needs like the support within social ranges of the life, the accomplishment of crises and Vereinsamung, handling dying and death or the entire support of humans, who suffer from dementia (age confusion), are excluded almost with this type of insurance. Achievements of the so-called treatment care fall into the financing range of the health insurance companies. The first decision for care classification meets the care cash with relevant consideration of the care appraisal. Depending upon care stage different performance demands exist for in need of care ones.

The care stages are:

I - substantial in need of careness, i.e. assistance need at least 90 min. per day. On the basic care thereby more than 45 min. must not applicable.

II - heavy in need of careness, i.e. assistance need at least 180 min per day with a basic care need of at least 120 min. daily

III - heaviest in need of careness, i.e. assistance need at least 300 min per day. The portion of the basic care must amount to daily thereby at least 240 min. With clearly higher care expenditure a hardship case regulation is possibly possible in this stage.

The designation "“care stage 0"” existed from their effect defacto, it is regulated however only negatively in the law. "“Under it (90 min etc.) there is no achievement."” Handling-linguistically the expression is used however often essentially correctly (spoken: Care stage zero), in order to express that the care need of a person exists however underneath the expenditure of time threshold lies, which is required at least of the nursing care insurance as a condition for achievements of the care stage I. That does not mean that no care or house-economical support would be to be carried out. The term does not have anything with objective care quality or - requires to do, but only with the time limit values in the law.

There can for member quite situations be, in which the MDK consultant determines, the care expenditure is too low, in order to receive contributions of equipment or money the nursing care insurance. Thus it is not excluded that some weeks later, this threshold is crossed. Then and is a request can be placed again.

In any case applies: With disputes over the classification in the long run the social courts and not the specialists of the care cash decide.

Articles in category "Nursing care insurance"

We found here 4 articles.

Related Websites

We found here 5 related websites.

• long term care fees for elderly care and nursing care plans UK
  nursing care plans and health care planning for the elderly ... long term care, Insurance Cost and Long Term Care Insurance Company ...


• Long Term Care Insurance - Free LTC Quotes - Term insurance
  Long Term Care Insurance Quotes Wiz gives free long term care insurance. ltc, term insurance, and nursing home insurance quotes from well established and ...


• Long Term Care Valuable Information
  Get free quotes and learn about long term care insurance. Search our database of long term care policies and features. In-Home and Nursing Home options.


• Nursing Care Insurance and Welfare:
  Utilities and Other Services · Taxes / Pension · Child Care · Education · Nursing Care Insurance and Welfare · Guidance and Information Centers ...


• Nursing Homes Skilled Care Assisted Living Long Term Care
  RNs help you find the best nursing home, assisted living, alzheimers care and ... Long Term Care Insurance: FREE Long Term Care Insurance quote on-line. ...