Germany's VdK Urges Early Application for Care Insurance Amidst Regulatory Changes

The German Social Association VdK is urging individuals to apply for long-term care insurance, known as Pflegegrad, as soon as possible, warning that new regulations could make the process more difficult. The proposed Pflegeneuordnungsgesetz, if enacted, is expected to tighten the criteria for recognizing care needs, particularly impacting Pflegegrade one through three. The VdK recommends that people apply while the current legal framework, considered more lenient, is still in effect. VdK President Verena Bentele emphasized that obtaining a Pflegegrad is a crucial step for individuals wishing to continue living in their own homes. The government aims to stabilize the finances of the long-term care insurance system through this new legislation, which stems from a broader austerity package. With over six million people now requiring care, the number of applicants has significantly increased. Bentele noted that many hesitate to apply due to shame, fear of complex procedures, or a belief that they are not eligible for assistance. She stressed that applying for care is not a stigma but a necessary prerequisite for maintaining independence. For those already receiving a Pflegegrad, the VdK advises careful consideration before applying for an upgrade, as there is a risk of being downgraded under the new system.

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an important prerequisite for being able to continue living in your own four walls