Pflegeversicherungspflichtiger

In Germany, the term "Pflegeversicherungspflichtiger" refers to an individual who is legally required to participate in the statutory care insurance system. This requirement is typically fulfilled by all citizens who pay into the pension system, which includes the majority of the population.

The Pflegeversicherungspflichtigkeit typically takes effect when an individual reaches the age of 23 and becomes liable for contributions to the pension insurance system. This can be the case regardless of one's employment status or income level. Some individuals who are exempt from this requirement include those who are self-employed or have a ( save for a few exceptions) income below a certain threshold.

All Pflegeversicherungspflichtiger are regarded as members of the statutory care insurance system, and are therefore entitled to receive care benefits should they require them. These benefits can take various forms, such as homecare or assistance with daily tasks in a nursing facility. The contribution rate for statutory care insurance is set by the federal government and is paid by the employer and the employee in equal shares.

It is worth noting that existing health insurance plans often have built-in components of care insurance. Some individuals from certain professions or age groups may not be legally required to participate in the statutory care insurance system, but may instead opt in voluntarily. In any case, those requiring long-term care assistance are not disqualified from accessing benefits based on their relationship to individuals who remain Pflegeversicherungspflichtiger.