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Additional entitlements in care

The most important points summarised.

Many relatives care for their loved ones themselves. This way, they can stay in their familiar surroundings and do not have to move into a nursing home. Care at home can be a challenge not only psychologically, but often also financially.

Additional entitlements in care

Many relatives care for their loved ones themselves. This way, they can stay in their familiar surroundings and do not have to move into a nursing home. Caring for someone at home can not only be a psychological challenge, but often also a major financial hurdle. The carers therefore usually receive the so-called care allowance. However, there are also other forms of support that can be used to finance various care services. However, about three quarters of those entitled do not make full use of these legal entitlements. In order to bring clarity into the bureaucratic jungle, we have summarised the most important points here.

The care allowance

Anyone who receives care at home is entitled to a care allowance. This allows people who are dependent on help to decide for themselves how and by whom they are cared for. Care insurance also provides support, for example, if relatives, friends or volunteers take over the care. The only other requirement is that the person has at least care level 2. The care allowance is paid directly by the care insurance fund. It is staggered depending on the care level: for example, the monthly support for care level 2 is currently €332, while care level 5 is supported at the maximum rate of €947 per month.

In the event of a significant deterioration in the caregiver's condition, a reassessment of the degree of care may well be worthwhile. It is possible that the person concerned is entitled to a higher care degree and thus also a higher sum. Experts help with such a review.

These additional entitlements exist

In addition to the care allowance, there are other possible entitlements that are also legally anchored in the Social Code XI: With the so-called prevention care, for example, up to 2,418 euros are possible annually - including conversion of short-term care - if relatives or neighbours temporarily take over the care. The care allowance continues to be paid during these periods, but is reduced by 50 percent. Those in need of care are also entitled to a relief amount of up to 125 euros per month, i.e. a total of 1,500 euros per year. Other financial claims can also be examined, such as subsidies for necessary renovation measures or the assumption of costs for care products.

Determination of the concrete claim

The amount of the entitlement is determined by a query of important information and a comparison with the requirements in the Social Code. In addition to the care allowance, there is a possible claim to a total of 3,918 euros per year as an "additional care budget". This is made up of three individual amounts: Already from the classification in care degree 1, those affected are entitled to a monthly relief amount of 125 euros, i.e. a total of 1,500 euros per year. In addition, from care level 2 up to 1,612 euros for a maximum of six weeks of respite care per year. By converting short-term care into preventive care, this sum can be increased by 806 euros.

Since the entitlements are subject to time and situational requirements, it is advisable to attend a personal care counselling session to determine the individual entitlements. In order to maintain the entitlement to care allowance, such consultations are also regularly obligatory from care level 2.

Payments such as the relief amount are earmarked and can only be used to finance certain services related to care. For example, for support in the household, companionship, attending social events or basic care. However, if no (reimbursable) costs are incurred, the relief amount is not paid out. However, unused budget can be saved and used later. In any case, the claims are settled via the long-term care insurance fund. It is usually important that the provider of the paid service can issue an invoice as proof. However, some service providers also settle directly with the long-term care insurance fund, so that no separate proof is necessary.

Receive financial support retroactively

Many affected persons justifiably ask whether the aforementioned assistance can also be claimed retroactively. The answer: Yes, claims can be made retroactively for up to six months. For example, in the case of the relief amount: In this case, the saved budget, i.e. the budget that has not yet been fully used, can be claimed until 30 June of the following year. But claims from preventive care can also be asserted retroactively. This can be done for up to four years. However, proof of the costs incurred in each case is required for this.

When you can expect a refund or feedback depends on the respective long-term care insurance fund. However, this usually does not take longer than 14 days - regardless of whether it is a retroactive or current application. This means that those affected and carers do not have to wait long and will soon receive the support they have applied for.

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