Financing Long-Term Care in Germany

Andy Zuchandke, Sebastian Reddemann and Simone Krummaker
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Andy Zuchandke: Leibniz University of Hannover
Sebastian Reddemann: Center for Risk and Insurance
Simone Krummaker: Center for Risk and Insurance

Chapter 12 in Financing Long-Term Care in Europe, 2012, pp 214-235 from Palgrave Macmillan

Abstract: Abstract In 1995, after many years of public discussion dating back to the 1970s, mandatory social long-term care insurance (SLTCI) was implemented in Germany as the fifth pillar of the social security system. Prior to the introduction of mandatory SLTCI, acute care was covered by the mandatory health insurance programme while expenditures for long-term care (LTC) coverage were covered by the private income or private savings of the LTC-dependent individual or the individual’s family. If these were exhausted, individuals in need of care could then apply for public welfare. These payments, however, were provided only for those identified as ‘needy’ by a community-based means-tested programme (Hilfe zur Pflege) under the aegis of Germany’s social assistance programmes.

Keywords: Home Care; Informal Care; Contribution Rate; Average Growth Rate; Social Assistance (search for similar items in EconPapers)
Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:pal:palchp:978-0-230-34919-3_12

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DOI: 10.1057/9780230349193_12

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