{"id":4035,"date":"2026-03-24T13:36:51","date_gmt":"2026-03-24T13:36:51","guid":{"rendered":"https:\/\/www.brasser-accounting.de\/?post_type=glossar&p=4035"},"modified":"2026-09-07T10:37:25","modified_gmt":"2026-09-07T10:37:25","slug":"care-insurance","status":"publish","type":"glossar","link":"https:\/\/www.brasser-accounting.de\/en\/glossar\/pflegeversicherung\/","title":{"rendered":"Long-term care insurance"},"content":{"rendered":"
\n
\n

The Social care insurance<\/strong> is a branch of statutory Social security in Germany. It serves to cover the risk of needing care and is regulated in the Eleventh Book of the Social Code (SGB XI).<\/p>\n <\/div>\n<\/section>\n\n

\n

Die soziale Pflegeversicherung ist eine gesetzliche Pflichtversicherung in Deutschland, die pflegebed\u00fcrftige Personen und ihre Angeh\u00f6rigen finanziell und organisatorisch absichern soll. Sie wurde 1995 eingef\u00fchrt und ist Teil des deutschen Sozialversicherungssystems.<\/h2>\n\n

The Long-term care insurance social insurance scheme provides cover for insured persons in the event that they require support due to a need for long-term care. Depending on the statutory requirements and the assessed care level, various Long-term care insurance benefits may be claimed.<\/p>\n\n

Along with health, pension, unemployment and Accident insurance insurance, it is one of the branches of Social security<\/a>.<\/p>\n<\/section>\n\n

\n

How is the Long-term care insurance funded?<\/h2>\n\n

Social security Long-term care insurance is financed in particular through contributions from insured persons and their employers. For employees subject to compulsory insurance, the regular contributions are generally shared jointly by the employee and the employer.<\/p>\n\n

For childless members, an additional contribution surcharge may apply under statutory conditions, which is borne by the member alone. For parents with several eligible children, however, the law provides for contribution discounts.<\/p>\n\n

For employees in Saxony, special statutory regulations apply to the distribution of the regular Pflegeversicherung contribution between employee and employer.<\/p>\n<\/section>\n\n

\n

How are the contributions calculated?<\/h2>\n\n

For employees, contributions are generally based on the contributory Remuneration. Contributory income is only taken into account up to the applicable Contribution assessment ceiling.<\/p>\n\n

In the Payroll<\/a> is the Remuneration relevant to Social security frequently used as gross social security salary<\/a> depicted.<\/p>\n<\/section>\n\n

\n

What is the significance of the number of children?<\/h2>\n\n

The contribution amount of social Long-term care insurance can depend on whether someone is a parent and the number of eligible children.<\/p>\n\n

Childless members pay an additional contribution under the statutory conditions. Parents with multiple children can receive a contribution discount from the second up to the fifth child, as long as the respective child has not yet reached the statutory age limit.<\/p>\n\n

Parental status and the number of eligible children are therefore relevant for contribution classification purposes.<\/p>\n<\/section>\n\n

\n

Social and private long-term care insurance Long-term care insurance<\/h2>\n\n

Social Long-term care insurance must be distinguished from private long-term care insurance.<\/p>\n\n

Statutory health insurance policyholders are generally assigned to social Long-term care insurance. Conversely, private health insurance policyholders generally require private compulsory long-term care insurance.<\/p>\n\n

\n

In short:<\/strong> The social Long-term care insurance scheme forms part of the statutory Sozialversicherung system \u2013 those with private health insurance are, in principle, required to take out compulsory private long-term care insurance.<\/p>\n <\/div>\n<\/section>\n\n

\n

Related terms<\/h2>\n\n