Is the establishment of a Treuhandverwaltung or Stiftung a good alternative for you?
- Moving into a care home: how much money can you keep?
- When do your children have to pay?
- How can you protect your assets?
There are various options and ways to ensure that you avoid spending your assets on care costs
spend costs. We explain how you can stay financially secure and how you can make targeted provisions so that your money is not touched by third parties in old age.
How much money can you keep?
Currently, a Pflegeplatz in Deutschland 2610 euros per monthafter deduction of subsidies. Je nach Pflegegrad und Pflegestufe können sich die Kosten erheblich unterscheiden - und auch die Zuschüsse. The costs are rising every year and are becoming an increasing burden for many families. To finance the care costs, you can private assets can be used to finance can be used to finance care costs. But only up to a so-called "protective assets limit".
For single people, this is 10,000 eurosmarried couples are allowed to double the amount keep twice this amount. In addition to this real estate is also protected as long as a spouse or relative lives there.
In addition, the protected assets are taken into account: Funds to carry out an appropriate funeral, for example 7500 euros in a death benefit insurance policycapital in the Riester-Rente or for an appropriate household and family heirlooms or work equipment
When do your children have to pay?
Your pension is always used first to pay your care costs. pension is always used first. Only if this is insufficient will the state use your savings. If this is not enough, then they look at the income of your children will be looked at. Relatives have been relieved since 2020: Children only have to pay maintenance for their own parents, wenn das Bruttoeinkommen pro Jahr eine entsprechende Summe übersteigt. Children's savings or property remain unaffected.
Care costs are only covered by the state if neither income nor assets are sufficientto cover the costs and no children can be involved. In these cases, the "Hilfe zur Pflege". Sinnvoll kann auch eine zusätzliche Pflegeversicherung sein.
An exampleYou have a monthly income of 1200 euros from your pension. After a fall, you are admitted to a nursing home and the care costs amount to 3500 euros per month. The care insurance pays a subsidy of 1500 euros. This results in a own contribution of 2000 euros. Your pension will now be fully offset against the care costs, leaving a remaining sum of 800 euros. However, you only have 8000 euros in your accountwhich is below the already asset limit of 10,000 euros is. In addition, you have no other realizable assets, such as a property. As you also do not have a child with an income of more than 100,000 euros per year, you can "Help with care" from the social welfare office. This will cover the remaining 800 Euro per month.
How can you protect your assets?
To protect yourself from care costs, it is advisable to early transfer of assets is one of the most common strategies. However, please note that gifts can still be reclaimed up to ten years after the transfer can still be reclaimed if care costs are incurred.
This means that you can transfer all of your money to your children above the minimum asset limit and if you only enter a care home ten years later, the care insurance fund will cover the costs. However, your assets are then in the hands of your children, who are free to make their own decisions. Another method is to foundation of a Treuhandverwaltung or Stiftung. This option is particularly suitable if you have large assets, such as works of art, investments or real estate. property. You transfer your assets to a foundation and they are managed permanently by the foundation so that they can no longer be used for private purposes, not even by the authorities.
With a trust, you transfer your assets to a trustee who manages them on your behalf. manages it on your behalf. Legally, the money remains with you, but a trust agreement protects it from unwanted access, for example a claim for care costs.
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