It can concern all of us.
Dependency is age independent. Entitled to the benefits of long-term care insurance have all: employed or unemployed, child, youth or pensioners. Legally insured are automatically insured. Private insurance must be insured separately conclude. Condition for the services is at least a 46-minute maintenance expenses per day in domestic environment (44 minutes plus housekeeping). It does not matter whether he at home, in a residential or a senior residence will be maintained. The amount of the payments depends on assistance from indigence. If approved nursing care services in these activities involved, the services provided (in kind) to the care fund basis. Attendance Allowance is paid to continue non active persons to provide care (eg, relatives).

The combination is possible: The patient, or his legal representative may for certain benefits order an approved supervised nursing service. The care service sends the bill for its services directly to the care insurance . The unused portion (paid in kind to the care level) will provide carers with 43% remuneration. The degree of vulnerability was first detected when a request for someone in his Pflegebedürftikeit health insurance documentation. This instructs the medical service, to determine the assistance needs and to forward the results to the care insurance.

Care Level 1
Means that someone in the weekly average at least 90 minutes a day need help.
Non-cash benefits € 440.00 
from 01.01.2012: 450,00 €
Care money 225.00 €
from 01.01.2012: 235,00 €

Care Level 2
Means that someone in the weekly average of daily minimum of three hours of help needed.
Non-cash benefits 1040,00 €
from 01.01.2012: € 1100.00
Care money € 430.00
from 01.01.2012: 440,00 €

Care Level 3
Means that someone in the weekly average of daily minimum of five hours at night and regularly need help.
Non-cash benefits 1510.00 €
from 01.01.2012: € 1550.00
Care money 685,00 €
from 01.01.2012: 700,00 €
Hardship cases
As hardship cases, for example, are difficult Dement or cancer patients in final stage.
Non-cash benefits 1918.00 €