Care in Nursing Homes and Senior Living Facilities
If home care or semi-residential care is insufficient, individuals in need of care are entitled to care in full-residential facilities.
Who pays the costs?
In the case of full-time inpatient care, the long-term care insurance fund pays a flat-rate benefit in kind to the nursing home (care rate). This benefit in kind is intended to cover the cost of care, medical treatment, and social support provided at the facility. The person receiving care must pay out of pocket for any care, lodging, meals, and capital costs that exceed the amount covered by long-term care insurance, as well as any costs for special amenities. In addition, the amount to be covered by the long-term care insurance fund may not exceed 75 percent of the actual facility fee. The facility fee includes the care rate, accommodation and meal costs, and capital costs.
People with disabilities who are housed and cared for full-time (day and night) in fully residential facilities for people with disabilities receive a lump-sum payment equal to 10 percent of the facility costs.
The benefit amounts paid by long-term care insurance funds for residential care range from 805, 1,319, 1,855, and 2,096 euros per month for care levels 2 through 5, respectively.