Nursing pension insurance
The care pension insurance allows private insurance of care risk . As soon as the need for care occurs, a lifelong care pension is paid out. The amount of the benefit is determined by the extent of the need for care. Nursing pension insurance is based on the principle of capital coverage, as is common with life insurance . The private care pension insurance supplements the compulsory insurance .
Requirements for care pension insurance
Nursing pension insurance is not tied to a specific location for care. The corresponding donations are made freely available. This applies to inpatient care, to care in your own home or even to lay care. In some cases, you may even be entitled to benefits from the nursing pension insurance if you only have moderate dementia according to the Reisberg scale or an ADL .
The benefits of the care pension insurance
The amount of the allowance is determined by the corresponding care level. For example 100% for care level III and lower percentages for lower care needs. In addition, the total benefit is divided into a guarantee , which is paid in any case, and a surplus , which is paid out depending on the successful capital investment. The benefits are paid out net and no longer have to be taxed.
State subsidies are not provided for private long-term care pension insurance (see Pflege-Bahr ).
criticism
Compared to daily care allowance insurance, care pension insurance often appears to be much more expensive. The nursing pension insurance pays, but requires disproportionately higher contributions. In addition, the costs of care are very often overestimated.
Individual evidence
- ^ Definition of care pension insurance
- ↑ Private long-term care insurance is questionable and expensive - as of June 28, 2014