Protection & safety · Jurisdiction DE

Long-term care and the personal share

In full inpatient care the long-term care fund pays a benefit amount. The person in need of care carries part of the care-related costs as a personal share.

In more detail

As of the text of Social Code Book XI section 43c: for care grades 2 to 5 there is a supplement on the personal share of care-related costs. Up to and including twelve months it is 15 percent, after more than twelve months 30 percent, after more than 24 months 50 percent, and after more than 36 months 75 percent. From 1 July 2026 the care fund calculates this supplement and pays it to the home. The home bills the remaining personal share.

Background

The supplement reduces your personal share of care-related costs. Board, lodging and investment costs are distinct and often remain beside the supplement. Finmon does not calculate a care-home bill and does not know a care grade. The care fund and the home name the amounts in the case. A euro amount for a home is deliberately not stated here.

An example

Someone has been in a care home for three months at care grade 3. The supplement on the care-related personal share is then 15 percent, not 75 percent. What the home charges beside that for board and lodging is a different line. Finmon does not have the bill.

A common misconception

The supplement covers the whole care-home bill, including the room and meals.

It applies to your personal share of care-related costs. Board, lodging and investment costs can remain beside it.

Source: SGB XI § 43c. Last reviewed: 2026-10-29. Editorially reviewed on 2026-10-29. Next review 2027-10-29. Version 0.2.0. Finmon explains. It does not advise. Not investment, tax or legal advice.