German Long-Term Care Insurance
Contribution under §55 SGB XI by children and state — plus Pflegegeld and benefits in kind per care level.
06+
- Your Share (1.70 %)
- €68
- Total Contribution
- €136
- Employer Share
- €68
- Contribution Rate
- 3.40 %
- Pflegegeld (home care)
- €347
- Benefits in Kind
- €796
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Contribution Split
| Category | Amount |
|---|---|
| Gross Salary | €4,000 |
| Total Rate | 3.40 % |
| Total Contribution | €136.00 |
| Employee Rate | 1.70 % |
| Employee Share | €68.00 |
| Employer Rate | 1.70 % |
| Employer Share | €68.00 |
| Annual Contribution (Employee) | €816 |
Benefits at Care Level 2
| Category | Amount |
|---|---|
| Pflegegeld (cash benefit, informal home care) | €347 |
| Benefits in kind (professional home care) | €796 |
| Inpatient nursing home | €805 |
| Relief amount (§45b SGB XI) | €125 |
Note: Calculation under §55 SGB XI (2026): base rate 3.4 % plus 0.6 % childless surcharge, with reductions from the second child onward. Assessment ceiling: €5,512.50/month. Benefits per the Pflegeunterstützungs- und -entlastungsgesetz, 2025/2026.
Background
German Long-Term Care Insurance 2026: Contribution Rates, Children and Care Benefits
11 Min.