Additional payment to the nursing home by relatives

What the long-term care insurance pays for

• A nursing home can cost up to several thousand euros per month. It seems perfectly logical that these costs cannot be covered by the patient's pension.
• But even long-term care insurance does not cover all of the costs that arise in the care home. In this way, only the pure maintenance costs are covered.
• The costs for accommodation and meals (food) are not covered by the long-term care insurance.

These two facts make it clear why there can only be co-payments for relatives when they have to go to a nursing home.

Nursing home - who has to make an additional payment for relatives

Now there is also the panic that every family member has to make additional payments for each family member. But this is not correct. Because according to the law, the following facts must be true:

• You must be directly related to the loved one who comes to the nursing home. This means it has to be your parents or your grandparents. Siblings who are laterally related to you are out of the question.
• The relatives' assets must first be used up before you, as a relative, can be obliged to make additional payments.
• In fact, if your loved one has given away a large fortune in the past ten years, it could be reclaimed first before moving on to one Co-payment be committed.
• However, you only have to make an additional payment to the nursing home if your income is sufficiently high. The so-called deductible is taken into account here. This deductible defines the money that you have to keep each month for your own care.
• But your children and your spouse can also be taken into account with an additional deductible. This basically defines that you can only be required to make an additional payment if you do indeed have a high income.
• There is also the basic state security that your relatives may be entitled to. If this is the case, you basically do not have to make any additional payments to your relatives' nursing home.