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The Pflegeversicherung (long-term care insurance) pays only part of the cost of care – people who need care have to cover the rest themselves. If pension, income...

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  • Stand: 2026-07-30
  • Your next step: Apply for Hilfe zur Pflege at the Sozialamt – informally and straight away, because the benefit only starts on the day the office learns of your need. You can get free help with filling in the forms at a Pflegestützpunkt: Find an advice centre.