A new care concept with a new nursing-degrees – and thus more in need of care: Hermann Gröhe doctored a lot in the development of the German care system. However, when the sedate Reform of its predecessor, it can’t leave the Minister of health, Jens Spahn – because if the large baby Boomer Generation in the years, to rise in the future, the costs of care even more vigorously.

Currently, 3.4 million people are in need of care, 2045, it should be according to the economic research Institute Prognos five million people. With the previous System, the already 1. January rising again raised contributions for the care insurance, therefore, until then, from today to 3.05 to 4.25 percent for the average earner, according to current purchasing power about 550 Euro per year.

But is this the solution? Jens Spahn calls for “open dialogue” for the financing of care. On a concrete financing model, he can also be on request not yet set. He did not want to take “equal to the results anticipated,” he said at last. In an Interview with the “Frankfurter Allgemeine Zeitung”, said the CDU-politician but also: “So many set screws there are, Yes. Contributions, Tax-Subsidy, Equity Participation. A policy debate is balanced.”

Within the Union, the discussion is already on. Health politician, Emmi Zeulner want to limit the financial self-interests of the patient. The “Frankfurter Allgemeine Zeitung” quoted the CSU-politician, a system change was not necessary, so that the need for care going to the risk of poverty. The CDU politician Erwin Rüddel said, according to the “daily mirror”: It is “essential that we limit the equity shares in the inpatient care on a reasonable contribution”.

care insurance as a “heritage preservation program”?

the consent both of the Gert G. Wagner , an Economist from the German Institute for economic research (DIW). The proposed capping of the equity share was a “realistic, reasonable compromise, because people would want it to be a fully comprehensive hedge , but in long-term care is sometimes a greater need, is all sham.” Severe care needs to be simulated, however, no one, since there also was no insurance.

In the care of the case takes over the first, introduced in 1995, statutory long-term care insurance only a portion of the cost , for example, for accommodation and meals in a nursing home. About half of the Affected individuals and, where appropriate, members of the. The cost is currently around 1800 euros per month. Only for people who can’t carry himself, jumps in the Department of social services. to be able to

the private costs at least somewhat dampen, since 2013, the so-called “care-Bahr”. In the concept, which is named after the former FDP health Minister Daniel Bahr, is a government allowance for additional private care insurance. But even with such additional maintenance days money-Police are, according to the Foundation’s test were not already covered by all risks.

Gert G. Wagner

consumer protection therefore request additional funds for the care from the taxpayers as they flow as a subsidy to the pension system. In a representative Forsa survey conducted by the consumer Federation of speak the proud 89 percent of the Germans. The statutory health – and nursing care insurance funds and the German Foundation for patient protection does not require state money, Spahn excludes payments so far, at least.

it is for the so far only from the contribution-financed nursing care insurance in the population is also already a widespread acceptance – even in the case of rising costs. “When you are young, ask the people you want to say more rather than less care insurance,” Economist Wagner. “In almost every family, there are now experiences with care.”

The Freiburg economists Bernd Raffelhüschen an expansion of the care contributions or even tax rejects money for the care, however strictly. “We need to freeze the post, because we are otherwise asked by the future contributors: ‘Why do we have to now pay five per cent for care, what did you pay?'” Then, when the size of the baby Boomer Generation would not be referred to, which is why the money-rich, would answer “our children, ‘for we can do nothing. That we are so few, but you can.'”

Also, the chief Executive of the Confederation of German employers ‘ associations, Steffen Kampeter warned of sharply increasing social security contributions. “For growth and jobs, would be a Disaster.”

long-lived pensioners as a risk?

Economist Raffelhüschen demanded instead more self-responsibility. “We can’t Fund all maintenance cases on all the time. We must now expect the German Mittelstand be assets for care used .” The previous System was a “heritage preservation program”.

Hermann Gröhe and Jens Spahn

the sustainability of The maintenance expenditure has also, according to a recent study by Raffel hüschens significantly suffered. The transition from maintenance levels to maintenance levels under Gröhe is to blame. And as the Economist, the population expects that long-term care insurance is not enough to be in the case of the case sufficient to Finance

the System of the care insurance at least better, wants to be assured the political Left also, that is self-employed and civil servants , in the legal nursing care insurance include. “Otherwise, is simply unfair, and contribution increases are employable, if not all, of the Deposit”, said the SPD-health expert Karl Lauterbach and called for a mixed funding from tax revenues and increasing contributions. The health policy spokesperson of his group, Sabine Dittmar, wants to develop long-term care insurance “to a full-insurance”.

But also the involvement of the civil servants and the self-employed Harrell. Economist Raffelhüschen: “That would be the stupidest thing you can do.” Because the officials were on average several years older than the average population and would have a likelihood, therefore, an even higher level of Care.

Bernd Raffelhüschen

DIW researchers, Wagner considers the inclusion of both groups, however, is right, is in the evaluation of the effects but be careful: “If everyone in the legal nursing care insurance, would grant a Tax almost the same effect as the contribution increase.” The costs are exploding because of the long-lived pensioners, he will not believe it, but only about ten percent of the total civil servants were working.

MORE on THE TOPIC of long-term care reform in 2017, more and More people are now “in need of care”

Wagner wants to hold on to on the insurance system, in principle, and says that currently, even on higher posts thought it could be. “As the economy runs well, has a contribution increase, according to my personal Conviction is likely no negative impact.” If the Minister of health Spahn ties in? The “FAZ” he said anyway: “It’s beautiful, the Minister of health, in times, in which things are running economically.”

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Sam Yoon has many years of experiences in journalism. He has covered such areas as information technology, science, sports and politics. Yoon can be reached at 82-2-6956-6698.