Care is expensive. According to calculations by ZDF WISO, there are 1,825 euros, which need to pay patients in care level 3 for a full in-patient care from their own pocket. Because on average, a nursing home costs about 3,437 euros per month, the statutory care insurance currently pays only 1,612 euros.
Thus, more than 1,800 euros per month need to be spent by the patient in order to cover the cost of care. However, the standard pension in 2015 was only around 1,310 euros (West) and 1,215 euros (East) gross . Many people who are in need of care at the age of getting even a much lower pension. Who then pays the remaining care costs , currently asks the consumer magazine ZDF WISO.
ZDF WISO: Self-used house at the parents maintenance outside
If pension and assets are too short to cover the monthly costs of care, the difference comes first to the social welfare office. However, this is reluctant to sit on the payments and tries to recover the money on the dependent persons. “Parents in need of care are legally obliged to pay part of their home costs within their financial means,” explains ZDF WISO – the so-called Elternunterhalt. How much it will end up depends on many factors. For example, parental maintenance provides protection and also a deductible, so that a certain part of the income is secure.
Even the self-used property is protected, as current judgments show, as well as a “nest egg” in the amount of 10,000 euros. Also deducted from income are insurance, dependent children and loans. On the other hand, cash , valuable jewelery and securities are fully credited , reports ZDF WISO. In addition, parental maintenance is due even if the relationship between parent and child is shattered. Anyone who has not had contact with their mother or father for years will still receive mail from the social welfare office.
How can parent support be avoided?
Computers on the Internet help to get a rough idea of how high the parental maintenance is . To completely avoid or reduce this, a private long-term care insurance makes sense. Because with her the remaining care costs can be minimized. “They should close the supply gap”, so the consumer magazine. There are various forms such as the nursing daily allowance insurance. With it insured can freely dispose of the paid out money, it is not bound for a certain purpose.
When choosing a suitable long-term care insurance ZDF WISO gives some tips. Thus, a good offer should already provide dementia in care level 0, provide sufficient benefits in all care levels and in case of care no contributions should be due. In principle, it is always advisable to compare several tariffs with each other, since the price-performance gap between the insurers is great. A look at a long-term care insurance test can also help to find current top fares.