The Long-Term Care System in Germany
After a long discussion driven by the increasing social assistance expenditure a mandatory, universal social long-term care insurance system as a 5th pillar of the social security system was introduced in Germany in 1995. Long-term care insurance (LTCI) covers almost the entire population, according the principle: long-term care insurance follows health insurance. Members of the public health insurance system become members of the public long-term care insurance scheme, and those who have private health insurance are obliged to buy private mandatory LTCI providing the same benefit packages.
© 2010 Centre for European Policy Studies (CEPS)