Benefits in the event of a need for long-term care for persons covered by statutory accident insurance
Your employers' liability insurance association or accident insurance fund as the accident insurance provider pays care allowance.
On the one hand, the amount of the care allowance depends on the type or severity of your health damage. On the other hand, the amount of help required plays a role. Both together result in the so-called need for care, which is measured with a percentage. There is no determination of the degree of care as in the statutory long-term care insurance.
Your percentage of need for long-term care determines the amount of your long-term care allowance. There is a minimum and a maximum amount set by law.
Care at home, if desired, takes precedence over placement in an inpatient care facility. Both private caregivers, such as relatives, and professional outpatient services can be cared for at home.
The benefits of the statutory accident insurance due to the need for long-term care take precedence over the benefits of the social long-term care insurance and the associated long-term care insurance funds. This means that if you receive corresponding benefits from the statutory accident insurance, you are not entitled to long-term care benefits from social long-term care insurance.
Process flow
Your employers' liability insurance association or accident insurance fund will check on its own initiative ("ex officio") whether you are entitled to care benefits.
- The examination begins as soon as there are indications that you are in need of care.
- Your employers' liability insurance association or accident insurance fund determines the percentage of need for long-term care
- You will receive a notification to this effect.
You do not need to submit an application. Nevertheless, you are free to apply for care benefits from your employers' liability insurance association or accident insurance fund online or by post.
Online service:
- Go to the online service.
- You will be guided through the procedure on the accident insurance service portal.
- If you would like to receive the answer from your employers' liability insurance association or accident insurance fund in the mailbox of your BundID account or My Company Account, you must have an account and authenticate yourself.
- If you would like to receive the answer by post, you can also continue without registering.
- Select your local employers' liability insurance association or accident insurance company or use the industry search to find out what you are looking for.
- Upload the required documents.
- Fill out the online form and submit it.
- Your report will be automatically forwarded to your accident insurance institution.
- You will receive feedback on the desired path.
Online service of your employers' liability insurance association or accident insurance fund:
- If you have access to the portal of your employers' liability insurance association or accident insurance fund, you can also submit the report electronically there if necessary.
Notification by post:
- Contact your employers' liability insurance association or accident insurance fund with an informal letter.
- Pay attention to the required information and enclose the necessary documents.
Requirements
You are entitled to care benefits from the statutory accident insurance from the day on which you are helpless or in need of care. That is, you
- require the help of other people to a considerable extent
- for the ordinary and regularly recurring activities in the course of daily life
- because of the consequences of an insured event
- Accident at work, commuting accident or occupational disease
Which documents are required?
- You do not need to submit any documents.
What are the fees?
There are no costs.
What deadlines do I have to pay attention to?
There is no deadline.
Applications / forms
Forms available: No
Written form required: No
Informal application possible: Yes
Personal appearance required: No
Online services available: Yes
Appeal
- Contradiction
- Detailed information on how to file an objection can be found in the notification of your employers' liability insurance association or accident insurance fund.
What else should I know?
There are no clues or peculiarities.
Technically approved by
Federal Ministry of Labour and Social Affairs (BMAS)
Professionally released on
06.01.2023
Author
The text was automatically translated based on the German content.
