Driven to the wall: the long-term care insurance as a failed compulsory tax

The statutory long-term care insurance was once introduced as the second pillar of social security with great pomp and sold as reliable protection against the existence-threatening costs of a need for care. For decades, high contributions were and will be deducted from wages for employees and employers, so that in an emergency there is no threat of poverty and no one is saving for themust sacrifice elementary care. But anyone who thinks that this compulsory insurance even offers almost basic protection is wrong. The actual benefits often do not even cover half of the real costs for home care or outpatient care, so that the insured person actually stands as if he had no security at all. The difference between what theCash and cashiers are so tremendous that there is hardly any talk of protection. You pay in for the rest of your life and at the moment of the greatest need for help, you will be served an alms logic that pollutes the name insurance.

Private assets as a secret deductible

If a person is in need of care, the bitter truth is revealed: The nursing care insurance fund takes over the small remainder, while the majority of the bill gets stuck with the person concerned. In the worst case, anyone who has built a house or owns a condominium has to sell it in order to be able to pay the monthly co-payments for a nursing home. own belongings, laboriously over decadesSaved or paid off, is subsequently expropriated by a state compulsory tax that has failed to do so. There is no real exemption, no guarantee that the acquired will be retained if fate strikes. Many families only experience at the moment of the application that the officially prescribed insurance leaves them out in the rain. Whoever dies poor gets help, whoIf something has been built up, it has to sacrifice – this is not a precaution, it is a creeping expropriation under the guise of welfare.

Knowing inactivity of those responsible

It is no secret that long-term care insurance benefits have fallen behind reality for years. The authorities know the figures, the ministries receive the reports, the experts have long warned of the impending security slump. Nevertheless, nothing is done except to continue raising the contributions and advertising cosmetic upgrades that are used at the bedside of themake no difference to those in need of care. There is a deliberate ignorance of the precarious situation of the insured because any real adjustment of the performance level would reveal the financial hole. It is better to leave the citizens of faith safe than to publicly admit the untruth and to draw conclusions. This conscious deception through omission weighsdifficult, because it robs people of the opportunity to protect themselves in good time or to protect their inheritance. Anyone who has been collecting contributions for decades and refuses protection commits a breach of trust that remains without impunity.

Bureaucratic monsters from three scattered cash registers

In addition to the factual undersupply, the organizational split into health insurance, long-term care insurance and statutory accident insurance provoke an administrative pedestrian pedestrian peer. For the citizen, this triple structure means confusing responsibilities, contradictory decisions and endless correspondence with fateful strokes of fate anyway. For the stateOn the other hand, it means thousands of well-paid positions in administrations, double IT systems, parallel testing services and a mountain of tax funds that is in no way justified. There is no factual reason why services that often affect the same area of life have to be processed in three different institutions with different logics. The fragmentation servesJust the self-preservation of the authorities and not the benefit of the insured. The fact that this gigantic administration machinery is retained even though it doesn’t contribute a cent to improve the care is a scandal in itself.

Lack of basic protection despite full cascade contribution

You pay as for full insurance and get the level of a rudimentary subsidy fund. The long-term care insurance in the current state is actually not an insurance in the sense of a risk compensation, but rather a levy for partial cost coverage, which in case of doubt fails. There is no accumulation of reserves that would benefit the individual, no coupling of the service to the amounts paid in,No real protection against financial ruin. Anyone who thinks that their old age is protected by compulsory membership will be cruelly disappointed as soon as the decision on the monthly additional payment obligation in the nursing home flutters into the house. The discrepancy between the indentation logic and the reality of payment is so great that one could almost speak of a systematic fraud in the contributor. andNevertheless, the system is celebrated as a model of success, while in truth it only protects those who have nothing to lose anyway.

Time for the ruthless truth

Long-term care insurance has long since degenerated into a symbolic gesture that primarily serves to take the state out of responsibility and calm the citizen with a false sense of security. As the contributions are increasing, real coverage is falling and the risk is tacitly relocated to private wealth and families. an order that the citizen has maximum contributionsdemands, but snatchs his livelihood from him when she is in need of care, has forfeited her social mission. The tripartite division of social security and its bureaucratic superstructure is a bottomless pit that hinders the purpose of the service instead of promoting the purpose of the service. Whoever preaches humility should first stop deceiving the citizen with a false insurance that is not in an emergency. An honest state wouldAdmit that this insurance does not fulfill its core order – the basic protection for care needs – and never wants to fulfill it.