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Long-term care insurance in Germany
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Long-term care insurance in Germany : ウィキペディア英語版
Long-term care insurance in Germany

Under the government of Helmut Kohl and the Social Law XI 1, the German long term care insurance was introduced in January 1995. It is an independent part of the social security in Germany, in the ''Sozialgesetzbuch'' and makes financial provision for the risk of care necessity. Long-term care insurance was introduced as the fifth column of social insurance after health insurance, industrial injuries, pensions and unemployment insurance. This fifth column is carried by the care fund, which was built for all the individual health insurances.
Thus, the assistance institutions are relieved and the financial burden is mitigated for people and their families in need of help. Insurance is also provided for people who need care because of the severity of their long-term care. Old and sick people are prevented from being dependent on social assistance in the case of needing care. The statutory care insurance covers a portion of the home and residential care costs if an increased need for nursing or household assistance of at least six months will occur. Thus, the patient is helped to lead an independent and self-determined life which corresponds with the human dignity.〔GEK Info- Service: Die GEK- Pflegekasse, in o. O., o. J., Seite 4- 5〕
==The insured person==
Compulsory insured and voluntary insured people of the public health insurance are compulsorily insured in the social insurance. Voluntarily insured people have the possibility to switch to the private care insurance, which also include the fully insured people of the private health insurance. The spouse and children from members of the social care insurance are entitled to premium-free family insurance. With this system, a cover for the entire population was introduced.〔Günther Merkens und Werner von Birgelen: Die private Krankenversicherung- die private Pflegeversicherung, eine Arbeitshilfe für die GKV, Sankt Augustin 1999, Seite 257〕

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
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