Apply for full inpatient residential care for people with long-term care insurance
Service description
As a person with long-term care insurance, you are entitled to care in a nursing home or another fully inpatient facility if home or semi-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 services also includes social care and medical treatment care.
The maximum monthly amount that long-term care insurance companies pay for full inpatient care services depends on your care level (as of 2021):
- maximum EUR 770.00 for care level 2
- Maximum EUR 1,262 for care level 3
- Maximum EUR 1,775 for care level 4
- Maximum EUR 2,005 for care level 5
The costs of full inpatient care are usually higher than the amount covered by your care insurance fund. You then pay a co-payment. This is the same for all residents within a facility, regardless of the care level. For example, if you have care level 5, you will pay the same amount as someone with care level 2.
From January 2022, your own contribution to care-related expenses will be reduced. The care insurance fund will then pay a supplement to your own contribution. The supplement depends on the duration of full inpatient care.
This supplement to your own contribution amounts to- 5 per cent if you receive full inpatient care for up to and including 12 months,
- 25 per cent if full inpatient care benefits are received for more than 12 months,
- 45 per cent if you have been receiving full inpatient care for more than 24 months,
- 70 per cent if you have been receiving full inpatient care for more than 36 months.
The cost of care in a nursing home can vary greatly from one facility to another. You also bear the costs yourself:
- Costs for accommodation and catering
- possibly costs for calculable investments. These are costs incurred by the care home, for example for building rental or purchases. These costs can be passed on to the residents of the facility
- possibly costs for additional services. These are also referred to as "comfort services". This refers, for example, to a single room, special catering or special care services.
If you are unable to bear the additional costs yourself, your relatives will have to pay for them. However, children only have to contribute to the costs of the care facility if their annual gross income exceeds EUR 100,000. If your relatives are also unable to cover the costs, you will receive state support from the social welfare office.
If you live in a care home during the week and are cared for by relatives at home at the weekend, you can also apply for home care benefits, 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 centre.
Procedure
You can submit your application for full inpatient residential care by post, for example, or - in the case of many long-term care insurance companies - in person at the office or online.
- You submit the application for full inpatient care to your care insurance fund. If you are unable to do this yourself, you can authorise someone else in writing.
- If you have not yet been determined to have a care level of at least 2, the long-term care insurance fund will commission the Medical Service or other independent expert services to check whether you have a need for care of at least this level.
- The long-term care insurance fund analyses the report, checks your application and informs you of the result.
- Your care insurance fund can provide you with a list of approved care homes where you can compare services and prices.
- Your care insurance fund will invoice the service directly to the care facility you have chosen.
Prerequisites
- You have care level 2, 3, 4 or 5
- If you have care level 1, you can apply for the relief amount
- You cannot be cared for at home or in a day-care centre
- You have care level 2, 3, 4 or 5
Which documents are required?
- If you already have a care degree: if applicable, notification from the care insurance fund about the care degree determination (expert opinion from the medical service of the care insurance)
- If necessary: power of attorney, carer's pass
- if applicable: medical documents
- If applicable: Severely disabled person's pass
Depending on the individual case, further documents may be required. Please contact your health insurance company for more information.
What fees are incurred?
You do not have to pay anything for the application.
What deadlines do I have to observe?
You will only receive the benefit from your long-term care insurance fund from the month in which you submit the application, but at the earliest from the date on which the conditions for entitlement are met. If the application is not submitted in the calendar month in which the need for care arose, but later, the benefits will be paid from the beginning of the month in which the application was submitted. You should therefore submit the application in good time.
If the long-term care insurance fund does not issue the written decision within 25 working days of receipt of the application or if one of the assessment deadlines specified in the law is not met, the long-term care insurance fund must immediately pay you EUR 70.00 for each week that the deadline is exceeded. This does not apply if the long-term care insurance fund is not responsible for the delay or if you are already in full inpatient care and have already been awarded at least care level 2.
Legal basis
Short text
- Full inpatient care for people with statutory long-term care insurance Provision of information
- The care insurance funds contribute to the care costs in a care home or other fully inpatient facility with a monthly flat-rate contribution.
- The contribution varies depending on the care level. People with care levels 2, 3, 4 or 5 receive the contribution, while people with care level 1 receive a lower relief contribution.
- Full inpatient care can be applied for informally or via the application for social long-term care insurance benefits.
- The care insurance funds provide support in selecting a suitable care facility.
- Information from: Care insurance funds or recognised advice centres, such as care support centres
- responsible: Care insurance funds
Issuing body
Forwarding service: Deep link to the source portal Forwarding service: Deep link to the source portal- Apply for full inpatient residential care for people with long-term care insurance
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- Care services for senior citizens in Hesse
Display of performance in the source portal
- Apply for full inpatient residential care for people with long-term care insurance
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