1. the different degrees of care
If a family member suddenly needs more care, relatives are often entitled to financial assistance, which they can apply for from their long-term care insurance. The amount of support depends on the so-called care degree. Under the Second Care Strengthening Act (PSG II), there are five care degrees in Germany, which differ according to the impairment of independence and the need for care.
- Care level 1: minor impairment of abilities or independence, total points 1.5 to 27
- Care level 2: significant impairment of abilities or independence, total points 27 to 47.5
- Care degree 3: severe impairment of abilities or independence, total points 47.5 to 70
- Care degree 4: most severe impairment of abilities or independence, total points 70 to 90
- Care degree 5: most severe impairments of abilities or independence, very high demands on care provision, total points 90 to 100
When insured persons submit an application for care benefits to their care insurance fund, the fund commissions an expert from the regionally responsible Medical Service (MDK) to carry out the care assessment. This assessor checks whether the requirements for the need for care are met and, if so, which degree of care is available for the person concerned.
For this purpose, the assessor assigns points for the six categories mobility, cognitive and behavioral, self-care, treatment and therapy, and daily living. An entitlement to support exists for a total score of at least 12.5. In addition, the assessor checks whether services for prevention or rehabilitation are recommended and whether the provision of care aids is appropriate.