scholarly journals Germany’s Long‐Term‐Care Insurance: Putting a Social Insurance Model into Practice

2000 ◽  
Vol 78 (3) ◽  
pp. 375-401 ◽  
Author(s):  
Max Geraedts ◽  
Geoffrey V. Heller ◽  
Charlene A. Harrington
Keyword(s):  
Social Insurance ◽  
Long Term Care ◽  
Term Care ◽  
Long Term Care Insurance ◽  
Insurance Model

Long-Term Care

2018 ◽  
Author(s):  
Pierre Pestieau ◽  
Mathieu Lefebvre
Keyword(s):  
Social Insurance ◽  
Long Term Care ◽  
Private Insurance ◽  
Care Needs ◽  
Term Care ◽  
The Family ◽  
Two Factors ◽  
Long Term Care Insurance

This chapter is concerned with the rise in long-term care needs. Long-term care concerns individuals who are no longer able to carry out basic daily activities. Most of the care is currently provided by informal caregivers, mainly the family, while the role of formal care provided by the state or the market remains small. The chapter explains, however, why informal care is expected to decline and analyses the low private insurance development, the so-called long-term care insurance puzzle. These two factors, the decreasing role of the family and a thin insurance market, plead for the development of a full fledge social insurance for long-term care. The chapter then looks at the optimal design of such an insurance.

Familiengerechtigkeit in der sozialen Pflegeversicherung

2020 ◽  
Vol 69 (8-9) ◽  
pp. 627-641
Keyword(s):  
Social Insurance ◽  
Long Term Care ◽  
Term Care ◽  
Social Insurance System ◽  
Insurance System ◽  
The Social ◽  
The Family ◽  
Long Term Care Insurance

Zusammenfassung Ausgehend von Beiträgen des Wissenschaftlichen Beirats für Familienfragen zum Verhältnis Familie und Sozialversicherung beleuchten wir in diesem Aufsatz die Frage der Familiengerechtigkeit in der sozialen Pflegeversicherung. Ein Großteil der Pflegearbeit in Deutschland wird innerhalb der Familie erbracht, gleichzeitig gewährleisten Familien die nachhaltige Finanzierung der Pflegeversicherung. Demographische Entwicklungen und veränderte Verantwortungskonzepte stellen diese Leistungserbringung vor Herausforderungen. Wir argumentieren, dass Familien auf der Beitrags- wie auf der Leistungsseite mehr ­Unterstützung benötigen, z. B. bei der arbeitsrechtlichen und finanziellen Absicherung pflegender Angehöriger, um die bestehende Schieflage zwischen stationärer und häuslicher Versorgung zu mildern. Abstract: The Role of Families in the Social Insurance System Based on previous reports of the Scientific Advisory Board for Family Affairs on the role of families in the social insurance system, this essay examines the aspect of family fairness in long-term care insurance. The majority of care work in Germany is provided within the family, while at the same time families ensure sustainable financing of long-term care insurance. Demographic change and changing concepts of responsibility challenge these modes of care provision. We argue that families need more support on the contribution as well as the benefit side, e. g. by securing labour rights and financial protection of caring relatives to alleviate the existing imbalances between institutional and home care.

Pflege und Gesundheit – zwei ungleiche Schwestern?

2007 ◽  
Vol 58 (2) ◽  
Author(s):  
Torsten Sundmacher
Keyword(s):  
Social Insurance ◽  
Market Failure ◽  
Long Term Care ◽  
Service Providers ◽  
Social Health Insurance ◽  
Market Failures ◽  
Term Care ◽  
The Social ◽  
Long Term Care Insurance

SummaryThe Social Long-term Care Insurance (Gesetzliche Pflegeversicherung, GPV) is in a crisis which will clearly intensify without reforms. An important solution strategy is the introduction of competition elements. This concerns the competition between the Long-term Care Insurance as well as the competition between the service providers. In comparison to the Social Health Insurance (Gesetzliche Krankenvereicherung, GKV) this coordination procedure can be found up to now very rarely. It is examined with the help of the market failure theory which market problems can be found in the area of long-term care. Here, nursing goods as well as the market for nursing insurances are examined. In comparison to the GKV, the lacking consumer’s sovereignty and problems with principal-agent-relations aggravate the situation in the GPV. However, other market failures are rather less important. An enlarged discussion of differences between GPV and GKV leads to the question of the institutional arrangement. This concerns on the one hand the possible amount of market and competition in the GPV as well as, on the other hand, the relation between GKV and GPV. In particular the interface problems between both social insurance systems are discussed.

scholarly journals Aiming Higher: Advancing Public Social Insurance for Longterm Care to Meet the Global Aging Challenge Comment on "Financing Long-term Care: Lessons From Japan"

2019 ◽  
Author(s):  
Zhanlian Feng ◽  
Elena Glinskaya
Keyword(s):  
Social Insurance ◽  
Long Term Care ◽  
Model Building ◽  
Lessons Learned ◽  
Successful Implementation ◽  
Term Care ◽  
Middle Income ◽  
Policy Makers ◽  
Insurance Model

Globally, aging populations are driving the demand for long-term care (LTC) services for a growing number of older people with disabilities or chronic illnesses. A key challenge for policy-makers in all countries is to find a comprehensive solution to financing LTC services to make them widely accessible, affordable, and equitable for all in need. In this commentary, we make a case for LTC policy-makers and reformers across countries to take a long-term vision toward establishing a public, mandatory social insurance model of LTC financing. We first take a hard look at the LTC financing problems and the limitations of existing financing options. We then argue for a public social insurance approach to LTC financing and offer insights into several top-level insurance design features that are key to successful implementation of a public social insurance model, building on the experiences and lessons learned from Japan and other countries that have already "gotten there." We conclude with additional thoughts on the future of public LTC insurance in a global context, including the prospect of spreading this model to middle-income countries.

Germany's Long Term Care Insurance Model: Lessons for the United States

2002 ◽  
Vol 23 (1) ◽  
pp. 44 ◽  
Author(s):  
Charlene A. Harrington ◽  
Max Geraedts ◽  
Geoffrey V. Heller
Keyword(s):  
United States ◽  
Long Term Care ◽  
The United States ◽  
Term Care ◽  
Long Term Care Insurance ◽  
Insurance Model

Is German Long-Term Care Insurance a Model for the United States?

2001 ◽  
Vol 31 (3) ◽  
pp. 617-634 ◽  
Author(s):  
Michaela V. Schunk ◽  
Carroll L. Estes
Keyword(s):  
United States ◽  
Consumer Choice ◽  
Social Insurance ◽  
Social Protection ◽  
Long Term Care ◽  
The United States ◽  
Term Care ◽  
Long Term Care Insurance ◽  
High Degree

German long-term care insurance, implemented in 1995, significantly extends the coverage of care-related risks. Given the similarities of German and U.S. institutional features, the German social insurance approach has been put forward as a possible model for long-term care in the United States. Using a political economy framework, the authors conducted a policy analysis that compares the main shortfalls of long-term care (LTC) provision in the United States and Germany, examines the responses provided by LTC insurance in Germany, and relates them to broader trends and proposals for change in welfare policy in both countries. German LTC insurance includes a high degree of consumer direction and compensation and protection for informal caregivers; it supports the extension of community-based services. Its shortfalls include the continued split between health and LTC insurance. In both countries, decentralization and institutional and financial fragmentation are some of the characteristics responsible for the failure to promote egalitarian social policy and substantially expand social protection to family- and care-related risks. The German LTC program is a good model for the United States. With a social insurance approach to LTC, costs are spread across the largest possible risk pool. Major goals that can be reached with such a program include establishment of universal entitlements to LTC benefits, consumer choice, and equitability and uniformity.

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