These guides are about the German statutory long-term care insurance (Pflegeversicherung). German terms are given in brackets so you can recognise them in letters from your care insurance fund (Pflegekasse).
New point thresholds, new budgets, protected status and timeline: what changes for people needing care and their families.
Reform 2027What the protection means, when it ends and which benefits are still cut.
Reform 2027Relief amount, care supplies, point threshold: what people with care level 1 should know now.
Reform 2027New options, new requirements and seven steps for planning.
ApplicationStep by step: application, advice, assessment and decision, with deadlines and a template letter.
AssessmentWhat is assessed, which documents help and what matters on the day of the visit.
ObjectionDeadline, form, reasons and what happens next, up to the social court.
Care allowanceNew amounts, what the money is to cover and what is left in practice.
Higher levelWhen it is worthwhile, how to apply and which thresholds apply.
Reform 2027The new budget for short-term care and crises is to replace the joint annual amount for respite care and short-term care.
Reform 2027€175 a month for everyday help instead of the relief amount, from care level 2.
DementiaHow dementia counts in the assessment, what changes in 2027 and what help there is.