Long-term care insurance
Long-term care insurance (Pflegeversicherung) is compulsory insurance in Germany that covers part of the costs of care if you need care in old age.
Contribution (2026): approx. 3.4% of gross pay (childless: 4.0%). Split half and half between employee and employer.
The problem: the statutory long-term care insurance does not cover the full costs. A care home place costs €3,000–5,000/month. The insurance pays €770–2,005 depending on the care level. You pay the difference (the "own share") yourself – on average approx. €2,400/month.
Care levels:
• Care level 1: minor impairment
• Care level 2: considerable impairment
• Care level 3: severe impairment
• Care level 4: most severe impairment
• Care level 5: most severe with special care requirements
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