Service accounting
Who pays for that

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The level of care determines the level of benefits

The benefits of the long-term care insurance are based on the approval of the level of care. There are 5 care levels with the following benefits (as of 2017):

Care level 1

Care allowance: 0 €
Care benefits in kind: 0 €
Care services allowance:
according § 45b SGB XI: 125 €

Care level 2

Care allowance: 316 €
Care benefits in kind: 689 €
Care services allowance:
according § 45b SGB XI: 125 €

Care level 3

Care allowance: 545 €
Care benefits in kind: 1.298 €
Care services allowance:
according § 45b SGB XI: 125 €

Care level 4

Care allowance: 728 €
Care benefits in kind: 1.612 €
Care services allowance:
according § 45b SGB XI: 125 €

Care level 5

Care allowance: 901 €
Care benefits in kind: 1.995 €
Care services allowance:
according § 45b SGB XI: 125 €

The level of care is determined by the medical service of the health insurance companies (MDK). The patient or relatives apply to the long-term care insurance fund. The nursing care fund instructs the medical service to carry out the report. The MDK drives home to the person in need of care and assesses him there. Of course, we advise and support you in the entire process.

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Funding from the social welfare agency (BSHG)

If the amounts provided by the long-term care insurance are insufficient, the local social welfare institution can be used. Children are not used to make maintenance payments if they fulfill their child's duties through activities.

However, the full or partial coverage of uncovered care costs by the social welfare provider depends on the economic situation of the person in need of care. Of course we advise and support you with the application.

Private residual costs

In cases where the income and wealth limits under social welfare law are exceeded and a partial takeover is not an option, the person in need of care must bear the remaining costs of their nursing care themselves.

Absence Care

Financing through long-term care insurance (SGB XI, as of January 1st, 2017):

Preventive care can be taken up to a maximum of 8 weeks a year at the expense of the long-term care insurance fund. If the nursing service only represents the private caregiver by the hour, there is no restriction to the number of days. An amount of € 1,612 can be claimed for outpatient care. If necessary, half of the short-term care allowance can also be used as part of outpatient care. An amount of € 2,418 is then available.

Unused preventive care expires at the end of the year. We will be happy to assist you in finding the right preventive care for you.

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Our support services

Financing through long-term care insurance (SGB XI, as of January 1st, 2017):

The costs are borne by the nursing care fund. With an approved level of care, at least € 125 per month can be used for care services. The entitlement accumulates until June 30th. the following year. From 01.07. the following year, the funds that were not used in the previous year will be reduced.

Household continuation

Funding from the health insurance or from the social welfare office:
The current statutes of the health insurance companies or the laws of the BSHG for financing apply.

Consultation according § 37.3 SGB XI

Financing through the nursing care fund:
We anticipate the use of advice according § 37.3 SGB XI directly with your care fund.

Private additional services

Private financing:
Additional private services are billed privately. Please ask for our private price list in our office.