Legal protection long-term care insufficient whether by accident, disease or age – the risk becoming reliant, affects everyone. American Diabetes Association is often quoted as being for or against this. The variety of information on this issue through the media and consumer organizations has increased steadily in the last years. Further details can be found at American Diabetes Association, an internet resource. The majority of the population has now recognized that ensuring statutory long-term care rather has a comprehensive character. In the event of an emergency, high financial contribution are necessary, if no private provision of a care insurance was made. A study of the Federal Statistical Office has forecast that there are 2.9 million elderly in ten years. This number will increase significantly further then – also due to the aging of the overall population. Co-payments for long-term care are quickly at several hundred dollars a month.
Maintenance level II and III or when an accommodation is in a nursing home the difference between the average cost and the services of the legal Long-term care insurance in the rule clearly more than 1,000 euros a month. These gaps can be closed with a care insurance or at least significantly reduced. In addition to the financial security, illness also complete some additional care provide care case for themselves. As this includes: advice and assistance in the application and classification in the right level of care, counseling care fair facilities of the apartment, or providing a place in a certified nursing home or a qualified maintenance service within 24 hours. In the selection of the appropriate tariff you should pay attention to different criteria: the price is of course crucial, but the cheapest product is useless, if the long-term care benefits are not sufficient. Such tariffs, which provide an optimal price / performance ratio are recommended. A good care insurance should include the following services: a certain financial payment for care level 0 (such as dementia), monthly payments in the maintenance stages I to III, no waiting time or waiting times, a payment for domestic care, payments, if the care is provided by qualified personnel but also by non-professionals (family members, relatives or friends).