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The German Long-Term Care Insurance Program: Evolution and Recent Developments.

Pamela Nadash1, Pamela Doty2, Matthias von Schwanenflügel3

  • 1Associate Professor of Gerontology, and Fellow, Gerontology Institute, University of Massachusetts Boston.

The Gerontologist
|April 6, 2017
PubMed
Summary
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Germany's long-running public program for long-term care services and supports (LTSS) has been strengthened by recent reforms. These updates ensure program sustainability and expand benefits, demonstrating the viability of a social insurance model.

Area of Science:

  • Health Policy
  • Social Insurance
  • Long-Term Care

Background:

  • Germany has operated a universal public program for long-term services and supports (LTSS) since 1995.
  • The program utilizes a self-funding, social insurance approach to provide basic LTSS to nearly all citizens.

Purpose of the Study:

  • To discuss the design and development of Germany's LTSS program.
  • To analyze recent reforms aimed at expanding the program and ensuring its sustainability.

Main Methods:

  • Review of legislative and programmatic changes.
  • Analysis of program data, legislative documents, and program reports.

Main Results:

  • The program is widely accepted and has achieved goals of ensuring LTSS access and reducing reliance on social assistance.

Related Experiment Videos

  • Recent reforms addressed benefit value, cognitive impairment coverage, and financial sustainability.
  • Reforms included increased premiums, private insurance subsidies, and a "demographic reserve fund."

    • Conclusions:

    • The reforms significantly strengthen the LTSS program, offering a model for social insurance.
    • The program demonstrates financial viability, though long-term challenges may persist.