In need of care
Transcription
In need of care
Hessian Ministry for Social Affairs In need of care – What can be done s for 2013 n io t la u g e r ew Includes all n Publisher Hessian Ministry for Social Affairs Public Relations Department Dostojewskistrasse 4 65187 Wiesbaden www.sozialministerium.hessen.de Editors Gesa Krüger (main editor) Dieter Obst, Christiane Poetzsch Editorial collaboration: Dr. Ingmar Sütterlin Layout Kirsch Kommunikationsdesign GmbH, Walluf Printing mww.druck und so... GmbH, Mainz-Kastel As at December 2012 3 Contents Foreword . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Long-term care insurance scheme . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 In need of care – what can be done? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Benefits provided by long-term care insurance . . . . . . . . . . . . . . . . . . . . . 15 What benefits are provided by the long-term care insurance company? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Appendix Overview of benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38 Further information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39 Services and assistance required in outpatient care . . . . . . . . . . . . . . . . . 40 The most important steps for selecting an outpatient care service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41 Checking the contract . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43 Inpatient care institution checklist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 45 Sample agreement on taking family care leave . . . . . . . . . . . . . . . . . . . . . 46 Long-term care support bases in Hesse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50 Emergency card to cut out . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 4 Dear Reader, The in-home care of persons in need of care is performed by relatives in almost 75% of the cases in Hesse. Such caretaking requires a huge amount of energy, as the relatives are generally needed around the clock. They certainly make a decisive contribution to making it possible for the family member who is reliant on care to live in their own home. However, care cannot always be provided without support in the long term, whether it is because the family caregivers run out of energy and need respite themselves or because other resources or aids are required for the care of their relatives, such as a special bed, for example. In addition to physical and mental stress, organisational problems often arise which have to be resolved by the caregivers. What financial and material aid can persons in need of care and their relatives count on? How are the different care levels defined? What benefits do long-term care insurance companies provide? This brochure aims to answer these and other questions. 5 Furthermore, it also contains information about what other offers and benefits are available for persons in need of care and their relatives. Here, I would like to especially draw your attention to the options that the German Family Care Leave Act provides for managing in-home care. In addition, this brochure provides information about the new regulations of the German Care Realignment Law, which came into effect on 1st January 2013 and primarily includes improvements in the benefits for persons suffering from dementia. Finally, I would like to refer you to our Internet portal: www.pflege-in-hessen.de. On our website, you can always obtain the latest updated information with regard to the advice and care of persons reliant on care in Hesse. Stefan Grüttner Hessian Minister for Social Affairs 6 Long-term care insurance scheme The long-term care insurance scheme came into effect on 1st January 1995. It provides for partial insurance coverage – i.e. a portion of the costs for care are compensated by this insurance. The long-term care insurance represents a basic social security provision in the form of supportive assistance, which does not preclude, however, that a personal contribution on the part of the insured person may be required. On 1st January 2013, the contribution rate increased to 2.05 percent and to 2.3 percent for childless individuals, in particular to finance the improved benefits for people suffering from dementia. Need for care – what is that? German Social Code XI = Social long-term care insurance As specified by the German Social Code XI, persons “in need of care” are defined as anyone who is dependent on help to perform the activities of everyday living in the long term – i.e. for at least six months – as a result of a physical or mental illness. 7 The terms “illness” and “disability” are deemed to mean the following: 䡲 loss of use, paralysis or other dysfunctions of the musculoskeletal system, 䡲 dysfunctions or disorders of the internal organs or the sensory organs, 䡲 central nervous system disorders, such as apathy, memory disorders or orientation disorders, as well as 䡲 psychoses, neuroses or mental disabilities. The activities of daily living, known as basic care, include physical care (e.g. washing, showering, dental hygiene) as well as nutrition (preparation or intake of food), mobility (e.g. dressing and undressing, climbing stairs) and domestic support (e.g. shopping, cooking, cleaning). The decisive factor here is the need for assistance arising from the disease or disability, not, however, the disease or disability itself. Health insurance benefits (Social Code V) In-home nursing care, which is provided by a home care agency, also covers basic care and therapeutic care, as well as domestic help. However, in-home nursing care is prescribed by the doctor for a limited period of time (generally up to 28 days) with the aim of preventing or shortening hospital stays. Therapeutic care, which includes, for example, Long-term care insurance refers to long-term basic care and domestic support, not to nursing care 8 The health insurance company bears the costs for (short term) in-home nursing care administering medicines, is prescribed by the doctor to ensure that medical treatment is actually provided. The health insurance company bears the costs for this and also decides whether to grant its approval in each individual case. For any questions related to inhome nursing care services, please contact your GP. In contrast to the need for care referred to above, there is no permanent need here, but the priority is to ensure that assistance is provided in the case of illness. 9 In need of care – what can be done? If you or a relative are dependent on outside help, you can start by seeking assistance from a social service centre at a hospital, a senior citizen’s advice and information centre, a long-term care support base, or your long-term care insurance company. The long-term care insurance companies are legally required to inform insured persons and their relatives about all matters relating to the need for care in an understandable manner and to give advice as well. In addition, the long-term care insurance companies have to inform you that you are entitled to receive the assessment by the medical service of the health insurance company or by another evaluator commissioned by the long-term care insurance companies as well as a separate rehabilitation recommendation. Advice and information centres at the local level also provide a citizen-focused service and give information about the health-related, social care and psychosocial services offered and provide the necessary assistance. At the centres, you can obtain information about what assistance could be considered. You have to submit the application for longterm care benefits to your long-term care insurance company. If this is the first time you are submitting an application for care to Seek advice Submit an application for long-term care benefits 10 Right to receive advice your long-term care insurance company, it has to offer you a specific appointment for an advising session, while also designating a contact person, which has to take place no later than two weeks after you submit the application, or issue you a voucher for an advising session, which lists advice and information centres where you can be advised free of charge within two weeks. If you wish, the advising session can also take place in your home. This advising session can still also take place after the 2-week deadline has expired. As a basic rule, however, insured persons receive the benefits of health and long-term care insurance only upon application. The application must be informally submitted to the health insurance and/or the long-term care insurance company where the insurance policy is held by the insured person, his/her agent or his/her legal representative. The benefits are then granted starting from the date the application is submitted, but at the earliest from the time at which the eligibility requirements exist. If the application for long-term care insurance benefits is submitted later than one month after the need for care starts, the benefits are granted starting from the beginning of the month in which the application was submitted. After the application has been submitted, the long-term care insurance company commis- 11 sions the Medical Service of the Health Insurance Companies (MDK) or another independent evaluator to conduct an assessment, which takes place during a visit to where you live (e.g. your apartment or your room in the nursing home). In exceptional cases, however, the examination in your home can be dispensed with if the result has already been unequivocally documented and established based on the existing records. In urgent cases, an emergency assessment can be performed in the hospital. In this case, the decision as to whether a care level will exist after you leave the hospital is made on the basis of the records. The final decision about your need for care, is, however, only made after you have been discharged from hospital after the assessment by the MDK in your home environment. The MDK and/or evaluator will also ask you about your medical history and your need for assistance. Furthermore, information about your caregiver, your living situation, any resources that are already available to you and the daily assistance benefits you receive, will be required. If an assessment has not taken place within 4 weeks of your application, or if an independent evaluator should perform the assessment, the long-term care insurance company is obligated to provide you with the names of at least three evaluators to choose from so that an assessment can be performed in a Assessment The notification must be issued no later than 5 weeks after the application was submitted. See Section 18(3) SGB XI 12 timely manner. If the long-term care insurance company has not issued a notification about the benefits of the long-term care insurance within five weeks after you submitted the application or if – e.g. in case of a hospital stay – a shorter deadline for an assessment cannot be met, and if the long-term care insurance company is responsible for that delay, it must pay 70 Euros to the applicant for each week started which exceeds the deadline. This does not apply if the longterm care insurance company is not responsible for the delay, or if the applicant is in hospitalised care and at least care level I has already been approved. The same legal provisions apply to insurance companies which provide compulsory insurance on a private basis. The MDK or the commissioned evaluator has to give a recommendation to the longterm care insurance company with regard to what assistance is needed, and assesses the daily amount of time needed for the required help. The applicant has to be immediately informed in writing about this recommendation by the Medical Service and/or by the evaluator commissioned by the long-term care insurance company. In a separate rehabilitation recommendation, it should be determined if rehabilitation is necessary and reasonable for the person in 13 need of care. This is to be documented by the MDK or by the evaluator commissioned by the long-term care insurance company. The applicant must also be informed of any notification concerning the need for rehabilitation which is forwarded to the responsible rehabilitation service provider as an application for the medical rehabilitation services. A prerequisite is that the applicant must consent to this. According to Section 18, the independent evaluators may collect, process and use personal data for the purpose of the assessment. The results of the assessment to determine the need for care and the rehabilitation recommendation may only be forwarded to those persons who need the information to fulfil their tasks. After five years, such personal data have to be deleted. After the assessment, you will receive notification from the long-term care insurance company concerning the amount of benefits to which you are entitled. The assessment must be sent to the applicant together with this notification, if the applicant wished to receive it. The sending of the assessment report may also be postponed to a later time. 14 If you are not happy with the classification Objection Keep a diary If you do not agree with your classification into a care level, you must make an objection against the official notification to the relevant long-term care insurance company and justify your objection. It is necessary to state why you need a different classification. Keeping a “care diary” is helpful in relation to this, in which the individual cases of assistance can be listed. Here, you should record who provides the help, as well as when and for how long the assistance was necessary. You can also make a petition to the relevant supervisory body. The underlying problem must be illustrated here. Relevant supervisory bodies 䡲 The Hessian Ministry for Social Affairs, Dostojewskistrasse 4, 65187 Wiesbaden, is responsible for state long-term care insurance companies (e.g. AOK Hessen). 䡲 The Federal (Social) Insurance Office, Friedrich-Ebert-Allee 38, 53113 Bonn, is responsible for national long-term care insurance companies (e.g. DAK, TKK). 䡲 The Federal Financial Supervisory Authority, Graurheindorfer Strasse 108, 53117 Bonn, is responsible for private insurance companies. 䡲 The Hessian Ministry of the Interior and for Sport, Friedrich-Ebert-Allee 12, 65185 Wiesbaden, is responsible for matters relating to state aid. 15 Benefits provided by long-term care insurance The benefits provided by long-term care insurance are based on the care levels specified in the Social Code XI. It distinguishes between 3 care levels: Care level I: considerable need for care Care level I exists if assistance is required at least once a day for at least two activities of daily life and assistance is additionally necessary several times a week for domestic chores (e.g. washing laundry, cleaning, shopping). The time taken up with care must be ninety minutes per day on a weekly average, where more than 45 minutes are required for basic care. This means that the time needed to cover the care requirements for personal hygiene, feeding and mobility must amount to more than 45 minutes. Care level II: severe need for care Here, assistance is required for physical care, feeding or mobility at least three times a day at different times of day and for household chores several times a week. The time required for the care must be at least three hours a day on a weekly average, where two hours must be required for basic care. Care level III: extreme need for care Care level III is selected if help with physical care, feeding or mobility is needed around the clock every day and help in the house is needed several times a week. The time required for the care must be at least five hours a day on a weekly average, where at least four hours must be required for basic care. Special case of hardship There is a special case of hardship if the requirement for assistance is much greater than illustrated in care level III, if assistance is required to a greater extent at night and if several people are required for this. 16 What benefits are provided by the long-term care insurance company? Long-term care insurance aims to primarily support care at home, so that those in need of care can remain in their home environment for as long as possible. (Section 3, German Social Code XI) The benefits from the long-term care insurance company depend on whether care takes place at home (outpatient) or as inpatient care, and can be provided both in the form of non-cash and cash benefits. A combination of both alternatives is also possible. Moreover, the following benefits are provided: 䡲 Care at home if the caregiver is prevented from providing this 䡲 Day and night care 䡲 Temporary care 䡲 Full inpatient care 䡲 Medical aids and technical aids 䡲 Care courses for relatives and voluntary caregivers 䡲 Benefits for the social security of the caregiver 䡲 Additional support benefits for dementia sufferers 17 Care advice Since 1st January 2009, policy holders who have already received benefits from the long-term care insurance companies or have made an application are entitled to individual advice and support from a care consultant from the relevant long-term care insurance company upon selecting and claiming long-term care benefits. Establishment of long-term care support bases in Hesse To advise, supply and support the policy holders located nearby, a longterm care support base will initially be set up in every administrative district and every city with district rights by the long-term care and health insurance companies and the local authorities. Care advice is also offered at the long-term care support bases. The contact information for the long-term care support bases in Hesse can be found in the Appendix of the brochure Long-term care non-cash benefits The person in need of care receives assistance from a commissioned outpatient care service for various care expenses. The longterm care insurance companies pay subsidies for the expenditure on assistance with physical care, mobilisation and feeding (basic care), as well as domestic support. The condition for this is the assignment to a care level. The benefits will then be granted to the person in need of care as a non-cash benefit when a care service is used. Your long-term care insurance company can provide you with a list of the outpatient care services near you. You can also receive important information at www.sozialnetz-hessen.de 18 Since 1st January 2012, long-term care insurance companies pay for care provided by an outpatient care service up to a total amount of The care contract can be terminated at any time 䡲 Care level I 450 Euro 䡲 Care level II 1,100 Euro 䡲 Care level III 1,550 Euro 䡲 Special hardship cases 1,918 Euro If you decide for care provided by an outpatient home care agency, conclude a care contract with the care service provider. At least the type, content and scope of services and the agreed-upon remuneration per type of service have to be specified in the care contract. The care contract can be terminated by the person in need of care at any time, without having to give a period of notice. Care allowance Care by relatives or in the context of help from neighbours People in need of care can apply for the payment of a care allowance. In this case, they have to guarantee the necessary basic care and domestic support themselves in an appropriate manner. This is the case, for example, if the care is provided by relatives or in the context of help from neighbours. It is necessary to obtain advice from an approved care service once every half year 19 for care levels I and II and once every quarter for care level III. The care allowance varies according to the care level, and effective starting 1st January 2012 amounts to: 䡲 Care level I 235 Euro 䡲 Care level II 440 Euro 䡲 Care level III 700 Euro Half of the care allowance previously received will be continued during a temporary period of care (Section 42 SGB XI) and respite care (Section 39 SGB XI) for four weeks for each calendar year. This also applies to proportionately paid amounts of care allowance. Combination of non-cash and cash benefits A combination of non-cash (in-kind) and cash benefits is also possible. If a person needing care does not claim the non-cash benefits to which they are entitled to their full extent, a proportionate care allowance may be paid. This would, for example, be the case if a relative takes on the care, but employs a care service for individual activities (such as bathing). Your long-term care insurance will explain the precise calculation to you. 20 Suspension of benefits If you stay abroad longer than 6 weeks, the benefits of the long-term care insurance will be suspended. The entitlement to care allowance or proportionate care allowance will not be suspended, however, if you stay in a member state of the European Union, or in Iceland, Norway, Liechtenstein or Switzerland. In addition, the entitlement to the benefits of a care allowance is suspended if you are hospitalised as an inpatient for more than four weeks. Non-cash care benefits are suspended as of the day the inpatient stay started. The long-term care insurance companies and long-term care support bases can extensively advise you on this matter. In-home care when the caregiver is prevented from providing care Care allowance is paid for substitute care by relatives When caregiver family members are absent – whether because of a holiday or due to illness – the long-term care insurance company will assume the costs of the necessary substitute care for a maximum of four weeks and, since 1st January 2012, for a maximum of 1,550 Euro. The prerequisite for this is that the caregiver must have cared for the person reliant on care in his/her home for at least six months before being prevented from doing so. In the case of substitute care by relatives up to the second degree of kinship or persons who live in the same house as the person in 21 need of care, it is assumed that the substitute care is not performed as a commercial activity. In such cases, only the care allowance for the established care level will be paid. Support for caring relatives If caring relatives feel overburdened or if they are unable to reconcile their care with looking after their own family, their working hours, or their own holiday, or in the case of illness, they can fall back on the following aid: 䡲 Partial inpatient care 䡲 Temporary inpatient care 䡲 Employment of an assistant 䡲 In-home care by an individual who is approved by the long-term care insurance company 䡲 Care leave 䡲 Family care leave 22 Partial inpatient care Partial inpatient care is either day or night care If it is not possible for relatives to ensure care at home to an adequate extent, the person in need of care is entitled to partial inpatient care – as day and night care. The long-term care insurance company takes over the expenses, which vary according to the care level: 䡲 Care level I: expenses up to 450 Euro per month as of 1st January 2012 䡲 Care level II: expenses up to 1,100 Euro per month as of 1st January 2012 䡲 Care level III: expenses up to 1,550 Euro per month as of 1st January 2012. Temporary inpatient care Temporary inpatient care comes into consideration when neither care at home nor partial inpatient care is possible or sufficient for a temporary period of time. This is the case, for example, if the need for care unexpectedly increases and e.g. the time until placement in a suitable facility has to be bridged, or if the caregiver is prevented from providing care due to an illness or holiday. Following a stay in a hospital, there is also the option for temporary inpatient care during the transition period. 23 If your caregiver is in a facility which provides inpatient services for medical care or rehabilitation, and if you require concomitant placement and care because you depend on care, you are entitled to be placed in that facility during this time as part of the temporary care. Temporary inpatient care is reimbursed by the long-term care insurance company for a maximum of four weeks per year up to an amount of 1,550 Euro. During the period of temporary care (Section 42 SGB XI) or respite care (Section 39 SGB XI), half of the amount paid before the start of temporary care or respite care is continued for up to 4 weeks per year Employment of an assistant for domestic work Caregiver relatives may employ an assistant. In such a case, however, it is necessary to bear in mind that social insurance contributions have to be paid and income tax has to be deducted. The work of the assistant must remain restricted to domestic work. Caregiving services are not permitted. Tax incentives are provided for the employment of this assistant. The tax reduction amounts to 20% of expenditure up to an annual maximum of 510 Euro for minor employment or 4,000 Euro for employment subject to social insurance. You can find details in the brochure “Domestic employment, services and manual work in private homes” published by the Hessian Ministry of Finance 24 The placement of care workers is performed by the local employment agency. Before a worker is employed, the agency must check whether the preferred employees are available. Only if no suitable people are worth considering from this group of people – generally German employees – is a placement of Eastern European domestic assistants possible. The Hessian consumer advice centre’s guidebook can be recommended here: “Help around the clock – can it legally be from anyone?” It is advisable to get in touch with the longterm care insurance company or the employment agency before employing an assistant. Anyone who employs workers without a work permit is supporting the black market. Care at home by an individual person In order to ensure care at home and supervision as well as domestic support, the longterm care insurance company should conclude contracts with individual caregivers in order to help the person in need of care lead an independent and self-determined life as far as possible or to accommodate the special desires of the person reliant on care with regard to organising the help. Contracts with relatives or persons who live in the same household as the person in need of care are not permitted. The long-term care insurance companies or a long-term care support base can advise you further on this matter. 25 Care leave If you are intending to care for a close relative who has been assigned at least care level I in his/her home environment, you are entitled to take care leave under certain conditions, i.e. you can 10 12 䡲 take a leave from work for up to ten days; 䡲 be released from work for care leave lasting up to six months or 䡲 reduce your working hours. You are only entitled to this if your employer has more than 15 employees. You must inform your employer of the care leave in writing ten days before you claim it. You must provide information about the period for which and the extent to which you want to claim care leave. You are released from work without pay for this period. If you would only like a partial release from work, you have to state how you would like to distribute this working time. In this case, you will make a written agreement about the reduction and the distribution of the working hours. Your employer may only refuse your request for a partial release for urgent operational reasons. The following count as close relatives: spouses, civil partners, partners with whom you are cohabiting, grandparents, parents, sisters, children, adopted and foster children, grandchildren, as well as parentsin-law and sons- or daughters-in-law 26 You must provide your employer with evidence of the person’s need for care, for example, in the form of the notification from the long-term care insurance company. You may only complete your care leave early with the agreement of your employer. The care leave ends before the expiry of the period claimed with a transitional period of four weeks in the following exceptional cases: 䡲 the person being cared for dies 䡲 the person being cared for has to be admitted to an inpatient care institution 䡲 caring for the close relative at home becomes impossible or unreasonable for other reasons. All employees may claim a temporary release from work – regardless of the number of employees working for the employer in total If a close relative is in severe need of care, you have the right to be released from work for up to ten days to organise good care for her or him or to take on his / her care yourself during this time. At the request of the employer, you have to present a medical certificate about the expected need for care of your relative and the necessity for a release from work. 27 Family care leave Since 1st January 2012, employees have the option to apply for family care leave. The prerequisite for this is that a close relative needs to be provided with care. In the case of family care leave, employees have the possibility to reduce their working hours for a maximum period of 2 years to a remaining work time of at least 15 hours. Their salary is topped up by half of the reduced wage. After returning to the regular working hours, the reduced salary will be continued to be paid to compensate for the advance in salary until it has been balanced out. Example: An employee reduces his working hours by 50% in order to care for his mother. During this time, he receives 75% of his last gross salary. After the end of the family care leave period, he returns to full-time work, however, he continues to receive 75% of the gross salary until the working time account is balanced again. The employed person must take out insurance during this time, which ends on the last day of the wage repayment. Pension entitlements for caregiver relatives are covered by contribution payments during the family care leave period and benefits of the long-term care insurance for the statutory pension fund. A sample agreement for family care leave, published by the German Federal Ministry of Family Affairs, can be found in the Appendix of this brochure 28 Full inpatient care You can obtain further information and a checklist for the correct selection of a nursing home at www.sozialnetz-hessen.de If care at home or partial inpatient care is no longer possible or is ruled out because of the characteristics of the individual case, those in need of care are entitled to care in an inpatient care institution (nursing home). The long-term care insurance company shall only bear the costs for the general care services. The costs for accommodation and food, as well as for any agreed-upon additional services, must be borne by the person in need of care himself / herself. As of 1st January 2012, the following flatrate sums are paid by the long term insurance companies on a monthly basis: 䡲 Care level I 1,023 Euro 䡲 Care level II 1,279 Euro 䡲 Care level III 1,550 Euro 䡲 Special hardship cases 1,918 Euro Persons in need of care who live in full inpatient care facilities for assisting disabled people will receive the full care allowance for the days in which they are provided with in-home care. Publication of the results of quality inspections in outpatient and inpatient care facilities Effective 1st January 2014, full inpatient care facilities are obligated, after a routine inspection, to inform the regional associations of the long-term care insurance companies 29 with regard to how the medical, specialist and drug provision is regulated in the respective facility. The quality inspection of an outpatient care facility must be announced one day in advance. If the persons in need of care have to be examined more closely, and / or the care documentation has to be inspected and the employees at the care facility as well as the persons in need of care and their relatives have to be consulted in order to prepare the inspection report, the consent of the persons in need of care shall be required. The results of the quality tests in nursing homes and care services by the Medical Service of the Health Insurance Companies are published and can be retrieved at www.pflegenoten.de. Benefits for dementia People in need of care being cared for at home for whom a considerable need for supervision and support has been established by the Medical Service of the Health Insurance Companies receive additional support benefits up to an amount of 100 Euro (basic amount) or up to 200 Euro (increased amount) each month. The amount of the entitlement is determined on an individual basis by the long-term care insurance company, on www.pflegenoten.de 30 the basis of the recommendation of the MDK, and the person affected is informed of this. This amount is earmarked for specially acknowledged support benefits and must be settled with the long-term care insurance company using certificates and receipts. Benefits for dementia, also without an assigned care level People suffering from dementia with lower care requirements which do not fulfil the requirements of care level I (so called “care level 0”), but receive additional support from the MDK, can claim this benefit. As of 1st January 2013, persons suffering from dementia who are assigned to care level 0 will receive care allowance or non-cash (in-kind) care benefits for the first time, besides additional support benefits in the amount of 100 Euro and / or 200 Euro. Care level 0: For care level 0, the care allowance is 120.00 Euro per month or non-cash care benefits of up to 225.00 per month will be allowed for an outpatient service. Care level I: For care level I, the care allowance increases from 450.00 Euro to 665.00 Euro per month for care provided by an outpatient care service. The care allowance increases from 235.00 Euro to 305.00 Euro per month for care provided by a relative. Care level II: In care level II, the care allowance increases from 1,100.00 Euro to 1,250.00 Euro per month for outpatient care. For care provided by a relative, the care allowance increases from the current amount of 440.00 Euro to 525.00 Euro per month. 31 Care at home Persons in need of care who are assigned to care levels I to III and insured persons not assigned to a care level whose everyday mental abilities are considerably limited are entitled to in-home care until a law comes into force which regulates a new concept for determining the need for care and a corresponding assessment procedure. Benefits for care at home include, in particular: 䡲 Support for activities in the context of maintaining communication and social contacts 䡲 Support in everyday household and domestic matters, in order to maintain a daily structure and comply with a day/night rhythm tailored to the dependent person’s needs These benefits can be jointly used by several persons in need of care as a non-cash benefit in the home environment of a person reliant on care. A prerequisite, however, is that the basic care and domestic support are assured. Authorised group of persons, see Section 45a SGB XI 32 Residential groups Residential groups are intended for people who can no longer live alone, but do not need inpatient care. A residential group is formed by at least three persons in need of care living together. Additional benefits are regulated by Section 38a SGB XI Funds to finance the remodelling of accommodations for outpatient supervised residential groups are available up to the end of 2015. Full details are provided in Section 45e SGB XI If persons reliant on care establish an outpatient supervised residential group and if they are entitled to additional benefits for persons in need of care in outpatient supervised residential groups, they are entitled to receive a one-off subsidy for age appropriate and accessible remodelling of the shared residence up to 2,500 Euro per person. The funding is limited to 10,000 Euro per residential group. In the case of more than four persons entitled to benefits, the subsidy is divided amongst the insurance providers of the entitled persons. The application for funding must be submitted to the long-term care insurance company within one year after establishing the eligibility requirements. If the establishment of an outpatient supervised residential group has taken place, the long-term care insurance company pays the amount of support. 33 Additional benefits for persons in need of care living in outpatient supervised residential groups Persons in need of care are entitled to a flatrate supplementary payment of 200 Euro per month, if 1. they live in an outpatient supervised residential group in a shared residence with domestic care and support, 2. they receive benefits in accordance with Section 36 SGB XI (non-cash care benefits), Section 37 SGB XI (care allowance) or Section 38 SGB XI (combined benefits), 3. a caregiver is working in the outpatient supervised residential group, who performs the organisational, administrative or care tasks, and 4. it is a shared living arrangement comprised of at least three persons in regular need of care with the purpose of sharing communally organised care, which is not contrary to the respectively relevant and applicable rules of the facility or the requirements placed on the service provider. If the freedom of choice to select the care, support and supervisory services does not exist, this form of outpatient care is not available. 34 New types of residential living arrangements will be supported An additional 10 million Euro will be made available for the funding and further development of new forms of residential living, whereby particularly those forms of residential living will be considered which offer individual care in addition to the full inpatient care. If the facility has already received funding for this reason (in particular in accordance with Section 8(3) SGB XI), it is excluded from further funding. Medical aids and subsidies for care-related renovations Entitlement to aids, equipment and resources People in need of care are entitled to be provided with medical aids which contribute to facilitating the care or alleviating the difficulties of the person reliant on care. He / she is also entitled to any resources or equipment which enable him / her to lead a more independent life (e.g. a bath lift). The long-term care insurance company can approve subsidies of up to 2,557 Euro to improve the individual living environment and to facilitate the in-home care. However, the person in need of care must also pay his / her own appropriate contribution, taking his / her income into consideration. In the case of residential groups, subsidies for measures to improve the shared living environment may be pooled. These may not 35 exceed an amount of 2,557 Euro per person in need of care. If utilised by more than four qualified persons, however, the individual measure may not exceed a total amount of 10,228 Euro and is to be divided proportionately amongst the individual long-term care insurance companies. Care courses for relatives and voluntary caregivers Care courses for relatives and voluntary caregivers are provided by the long-term care insurance companies and are intended to help teach caregiving and nursing techniques to the participants or to improve their existing skills. Social security benefits for the caregiver If you provide care for a relative for at least 14 hours a week and are not working yourself for more than 30 hours a week, the longterm care insurance fund will pay the contributions to your pension fund. The amount is based on the severity level of the care required by the person needing care and the extent of the care provided. The extent of the care you provide is determined in the MDK report that will be prepared. You are insured by the statutory social accident insurance fund while performing the tasks and for all travel activities involved in providing the care. Courses in caregiving techniques 36 You may continue to voluntary insure yourself in the unemployment insurance scheme if you are not subject to making compulsory contributions to unemployment insurance elsewhere. The contribution to the voluntary unemployment insurance must be paid by yourself. Your long-term care insurance company can provide information on this A new provision specifies that a relative does not have to care exclusively for just one person in need of care for at least 14 hours per week in order to be entitled to claim pension rights. Under the new Care Realignment Law, it is also possible to care for several persons in need of care for less than 14 hours per week per person. The care provision times are then added together and thus a claim for pension rights can be made by the caregiver relative. The only prerequisite is that care level I must apply. Provision of private care The Federal Ministry of Health provides information to the public via a telephone helpline (+49 030 / 3 40 60 66-02) In addition to the statutory long-term care insurance, insured persons should also make private provisions for care. Anyone who takes out insurance coverage for a private care daily allowance on the basis of the Care Provision Allowance Implementing Regulation will receive a government subsidy of 5 Euro per month, effective as of 1st January 2013. The prerequisite for this is that the monthly minimum contribution to the eligible private care scheme is at least 10 Euro. 37 Tax relief Tax incentives can be provided for all services that arise in the context of domestic employment. The employer of the person providing the service shall receive the tax reduction. The incentive is applied for within income tax or can be entered as a tax-free amount. In addition, tax can be deducted for carerelated expenditure. Care costs which occur in the domestic area and go beyond the benefits provided by the long-term care insurance policy are taken into consideration. The cash benefits from the long-term care insurance policy are taken into account at the same time. The condition for this additional incentive is that the care and support services are provided for a person in need of care in terms of the long-term health insurance policy The relevant tax office provides you with information about this. Protected assets of relatives If the income of the person in need of care and the benefits provided by the long-term care insurance policy are not sufficient for comprehensive care, social security benefits may possibly be claimed. For this, a maintenance obligation for close relatives (e.g. children) is checked. The extent to which the relatives are enlisted depends on their income level, whereby amounts exempt from taxation, known as protected assets, are taken into consideration. The relevant social welfare office provides you with information 38 Appendix Overview of benefits Care level Care allowance Outpatient care Non-cash (in-kind) care benefits Full inpatient care Day/night care (Partial inpatient care) Care level I since 1.1.2012 235 € 450 € 1,023 € 450 € Care level II since 1.1.2012 440 € 1,100 € 1,279 € 1,100 € Care level III since 1.1.2012 700 € 1,550 € 1,550 € 1,550 € 1,918 € 1,918 € Hardship case since 1.1.2012 Offers in Hesse In order to ask for the current offer in your region, contact your long-term care insurance and health insurance company or the employees of the long-term care support base, if it has already been set up. 39 Further information Further information brochures on the subject, published by the Hessian Ministry for Social Affairs: 䡲 䡲 䡲 䡲 Tax tip “Domestic services in private households” Guide for people with a disability Guardianship law Senior citizens political initiative Brochures can be ordered by telephone +49 (0) 6 11 / 8 17 33 01 or downloaded as a PDF from the website of the Ministry for Social Affairs at www.hsm.hessen.de Information brochures issued by the Federal Ministry of Health. Here is a selection: 䡲 䡲 䡲 䡲 Care at home Charter of the rights of people in need of assistance and care Long-term care insurance When memory declines Number of the Ministry of Health’s telephone helpline for long-term care insurance: +49 (0) 30 / 3 40 60 66-02 Information brochure of the Hessian consumer advice centre 䡲 Help around the clock – can it legally be from anyone? Number of the service telephone helpline at the consumer advice centre in Hesse (Verbraucherzentrale Hessen): +49 (0) 1 80 / 5 97 20 10 On the internet, you can find further information at the following addresses: 䡲 䡲 䡲 䡲 䡲 䡲 䡲 䡲 www.pflege-in-hessen.de www.sozialnetzHessen.de www.mdk-hessen.de www.mds-ev.org www.bmg.bund.de www.hilfe-und-pflege-im-alter.de Website of your health or long-term care insurance company www.verbraucherzentrale-hessen.de 40 Services and assistance required in outpatient care Help and support with the following activities Mon Morning / lunchtime C O C O C O C O C O C O C O Afternoon / evening C O C O C O C O C O C O C O Night C O C O C O C O C O C O C O C: care service Tues Wed Thurs Fri Sat Sun O: other, e.g. relatives, friends, neighbours… Examples of services and assistance With care With domestic support 䡲 Help with physical care, e.g. washing, showering, bathing 䡲 Beds and supports 䡲 Assistance with eating 䡲 Assistance with excretion 䡲 Assistance with walking and climbing stairs at home 䡲 Shopping and running errands 䡲 Cooking, laying the table, washing up 䡲 Washing laundry and ironing 䡲 Cleaning the residence 䡲 Other (Source: Sozialnetz-hessen.de) 41 The most important steps for selecting an outpatient care service 1 Obtain the addresses of several care services. You can use various sources of information for this: – Old people’s welfare advice and coordination centres – Business directory (“yellow pages”) – Doctor – Internet (e.g. www.sozialnetz-hessen.de) – Health insurance / long-term care insurance companies – Regional Alzheimer’s societies (for people suffering from dementia) – Social welfare offices and old people’s welfare departments in the local authorities – Self-help groups – Senior citizen representatives in your local community – Social service centre in a hospital – Directory of the outpatient care services from the State Statistical Office – Directory of the authorised outpatient care facilities from the long-term care insurance companies 2 If necessary, obtain further advice. In Hesse, there are a number of advice centres that are available to give you advice with different focuses: – Advice centres of the associations of voluntary welfare work – Old people’s welfare advice and coordination centres – Local authorities: social welfare office, old people’s welfare department – Senior citizen representatives in your local community – Health / long-term care insurance companies – Self-help groups – Social service centre in a hospital – Consumer advice centre 42 3 Calculate your personal need for care. Use the form provided for this. 4 An outpatient care service provides a variety of services. Different people can be responsible for the costs of these services. Get an overview of who bears the costs for which services. 5 Apply to your long-term care insurance company for classification into a care level. 6 Get in touch with at least two care services from your region. Ask the care service to visit your home free of charge for information purposes. Obtain a detailed quote for a month and check whether the services listed correspond with your requirements. Ask a relative or another reliable person to participate in the discussion. To make the choice of the right care service easier for you, you can find questions and criteria in the checklist which will help you to prepare the discussions and enable you to assess the care services. Make your decision on the basis of the criteria that are most important for you in a care service. Do not sign a care contract immediately, but obtain a copy that you can check at home in your own time. Additional note about seals of quality and certificate Outpatient care services have been able to acquire a seal of quality or a certificate from certain companies for some time. Seals of quality and certificates can be based on different quality standards. It is, therefore, completely possible that a care service with a seal of quality or a certificate does not provide the quality that you require. For this reason, ask about the quality standards on which the certificate is based and compare these with your own requirements. 43 Checking the contract Check the following points, in particular, in a care contract with an outpatient facility: 䡲 The party to the contract should only be the person in need of care himself / herself or a representative or a legal representative or legal caregiver. If relatives also sign, they are also liable when invoices are settled. 䡲 Relatives may conclude a “contract for the benefit of third parties.” Thus, they are obliged to pay if another payer does not join them. They may not use the money of the person in need of care for this. 䡲 The care contract should include a precise description of the agreedupon services that the outpatient care service is to render, as well as a detailed presentation of the individual costs and the overall costs. You must, in particular, be able to see how high the cost shares of the longterm care and health insurance company are and what share you have to contribute yourself. 䡲 If you agree on additional services with the outpatient care service (services for which the long-term care insurance company does not bear any costs or which exceed the limits of your care level), the time and costs should be specified precisely. 䡲 No advance payments or instalments should be specified in the care contract. 䡲 Check whether you are granting the care service an authorisation for a direct debit. It is better to settle the invoices by bank transfer after inspecting them. 44 䡲 Check whether the clauses of the contract limit liability unduly. With regard to the care services, liability may not be limited. Ensure that the outpatient care service is liable for material damages and for a loss of the key if you give them a key to your residence. 䡲 The notice periods for termination should be specified in the contract. 䡲 It is advantageous if it is specified in the contract that you can inspect the care documentation and the performance records, which you have to initial before paying the bill, at any time. 䡲 It should be specified in the contract, that the contractual relationship ends immediately upon the death of the person in need of care. 45 Inpatient care institution checklist 1 Is there an appealing, understandable information brochure? 2 Who is the sponsor of the home? 3 Do I like its orientation, e.g. religious affiliation? 4 Can I be attended by a minister of my own religion? 5 Is the institution near to my previous environment? 6 Do I like the size of the home and is it manageable? 7 Can I take my pet with me? 8 Can I receive visitors at any time and without restrictions? 9 Are there particular conditions for acceptance or restrictions? 10 Does the institution have a supply contract with the long-term care insurance company? 11 Does the institution have a long-term care rate agreement with the social welfare authorities? 12 Is it necessary to move within the home or to move out completely if the state of my health deteriorates / improves? 13 Is a trial residency period possible? 14 Can I have a copy of a home contract for inspection before admission? 46 Sample agreement on taking family care leave, from the Ministry of Family Affairs, in accordance with the Family Care Leave Law (The agreement must be written in German.) 47 48 49 50 Long-term care support bases in Hesse Contact information and office hours (status: 1st August 2012) Bergstraße Gräffstraße 11 · 64646 Heppenheim Telephone: 0 62 52 / 9 59 87 40 and 41 Fax: 0 62 52 / 15 50 93 Tues.: 10.00–12.00 Thurs.: 15.00–17.00 E-mail: pflegestuetzpunkt@ kreis-bergstrasse.de Darmstadt Town Hall (Stadthaus) Frankfurter Straße 71 64283 Darmstadt Telephone: 0 61 51 / 6 69 96 31 and 0 61 51 / 6 69 29 71 Mon. and Wed.: 10.00–12.00 Wed. also 14.00–16.00 E-mail: pflegestuetzpunkt@ darmstadt.de Fulda Zentrum Vital Gerloser Weg 20 · 36039 Fulda Telephone: 06 61 / 6 00 66 92 and 93 Fax: 06 61 / 6 00 66 99 Tues. and Thurs.: 10.00–12.00 Wed.: 14.00–17.00 E-mail: pflegestuetzpunkt@ landkreis-fulda.de Gießen Kleine Mühlgasse 8 · 35390 Gießen Telephone: 06 41 / 20 91 64 97 Mon. until Fri.: 10.00–12.00 Wed. also 13.00–15.00 E-mail: pflegestuetzpunkt@ landkreis-giessen.de Darmstadt-Dieburg Schlossgasse 17 · 64807 Dieburg Telephone: 0 60 71 / 8 81-21 72 as well as -21 73, -21 56, -21 57 Fax: 0 60 71 / 8 81-21 74 Mon. until Fri.: 10.00–12.00 Wed. also 13.00–15.00 E-mail: [email protected] Groß-Gerau District Office (Landratsamt) Wilhelm-Seipp-Straße 4 64521 Groß-Gerau Telephone: 0 61 52 / 98 94 63 Fax: 0 61 52 / 98 91 09 Mon. and Fri.: 8.00–12.00 Wed.: 14.00–16.00 E-mail: pflegestuetzpunkt@ kreisgg.de Frankfurt Town Hall for Senior Citizens (Rathaus für Senioren) Hansaallee 150 · 60320 Frankfurt Telephone: 08 00 / 5 89 36 59 Mon. and Wed.: 10.00–12.00 Thurs.: 16.00–18.00 E-mail: pflegestuetzpunkt@ frankfurt.de Hersfeld-Rotenburg Klaustor 3 (Town Hall / Stadthaus) 36251 Bad Hersfeld Telephone: 0 66 21 / 87 37 07, 09 and 10 Fax: 0 66 21 / 87 37 08 Mon. until Fri.: 9.00–12.00 Wed. also 14.00–16.00 E-mail: [email protected] 51 Hochtaunuskreis District Office of Hochtaunus County (Landratsamt des Hochtaunuskreises) Ludwig-Erhard-Anlage 1–5 61352 Bad Homburg Telephone: 0 61 72 / 9 99-51 71 and 72 Fax: 0 61 72 / 9 99-98 37 Tues.: 10.00–12.00 Thurs.: 15.00–17.00 E-mail: pflegestuetzpunkt@ hochtaunuskreis.de Kassel Landkreis Cultural Station, south wing (Kulturbahnhof, Südflügel) Rainer-Dierichs-Platz 1 / Franz-Ulrich-Straße · 34117 Kassel Telephone: 05 61 / 10 03-13 71 and -13 99 Mon., Wed. and Fri.: 10.00–12.00 Wed. also 14.00–17.00 E-mail: pflegestuetzpunkt@ landkreiskassel.de Kassel Stadt Obere Königsstraße 8 · 34117 Kassel Telephone: 05 61 / 7 87 56 30 Fax: 05 61 / 7 87 56 38 Mon., Wed. and Fri.: 9.00–12.30 E-mail: pflegestuetzpunkt@ stadt-kassel.de Limburg-Weilburg Schiede 43 · 65549 Limburg Telephone: 0 64 31 / 29 63 75 and 76 Fax: 0 64 31 / 29 64 98 Tues.: 10.00–12.00 Thurs.: 14.00–17.00 E-mail: pflegestuetzpunkt@ limburg-weilburg.de Main-Kinzig-Kreis Hailerer Straße 24, 1. Stock 63571 Gelnhausen Telephone: 0 60 51 / 8 28-49 96 and 97 Mon.–Fri.: 9.00–12.00 Tues. also 13.00–15.00 Thurs. also 14.00–17.30 E-mail: [email protected] Main-Taunus-Kreis District Office (Landratsamt) Am Kreishaus 1–5 65719 Hofheim am Taunus Telephone: 0 61 92 / 2 01-19 89 Fax: 0 61 92 / 2 01-7 19 89 Mon., Wed. and Fri.: 9.00–12.00 Thurs.: 15:00–17:30 E-mail: [email protected] Marburg-Biedenkopf District Office (Landratsamt) Im Lichtenholz 60 · 35043 Marburg Telephone: 0 64 21 / 4 05-74 01 and 02 Fax: 0 64 21 / 4 05-74 10 Mon., Wed. and Fri.: 10.00–12.00 Thurs.: 14.00–17.00 E-mail: pflegestuetzpunkt@ marburg-biedenkopf.de Offenbach Stadt Town Hall (Stadthaus) Berliner Straße 60 · 63065 Offenbach Telephone: 0 69 / 80 65 24 53 and 0 69 / 80 65 35 42 Fax: 069 / 80 65 32 71 Tues. and Thurs.: 9.00–11.00 E-mail: pflegestuetzpunkt@ offenbach.de 52 Rheingau-Taunus-Kreis District Administration (Kreisverwaltung) Heimbacher Straße 7 65307 Bad Schwalbach Telephone: 0 61 24 / 5 10-5 25 and -5 27 Fax: 0 61 24 / 51 05 22 Mon. and Thurs.: 10.00–12.00 Tues.: 16.00–18.00 Wed.: 14.00–16.00 E-mail: pflegestuetzpunkt@ rheingau-taunus.de Schwalm-Eder-Kreis District Administration (Kreisverwaltung) Parkstraße 6 · 34576 Homberg (Efze) Telephone: 0 56 81 /7 75-2 50 and -2 49 Mon., Wed. and Fri.: 9.00–12.00 Thurs.: 15.00–17.00 E-mail: pflegestuetzpunkt@ schwalm-eder-kreis.de Vogelsbergkreis District Administration (Kreisverwaltung) · Goldhelg 20 36341 Lauterbach Telephone: 0 66 41 / 9 77-20 91 and 92 Mon., Tues. and Fri.: 9.00–12.00 Thurs.: 14.00–17.00 E-mail: pflegestuetzpunkt@ vogelsbergkreis.de Waldeck-Frankenberg Am Kniep 50 · 34497 Korbach Telephone: 0 56 31 / 95 48 81 and 82 Fax: 0 56 31 / 95 44 90 Mon. and Wed.: 9.00–12.00 E-mail: pflegestuetzpunkt@ landkreis-waldeck-frankenberg.de Werra-Meissner-Kreis Schlossplatz 1 · 37269 Eschwege Telephone: 0 56 51/3 02 14 34, 35 and 36 Tues. and Wed.: 9.30–12.00 Thurs.: 14.00–17.00 E-mail: pflegestuetzpunkt@ werra-meissner-kreis.de Wetteraukreis Administrative Office (Verwaltungsstelle) Berliner Straße 31 · 63654 Büdingen Telephone: 0 60 42 / 9 89 37 00 and 01 Fax: 0 60 42 / 9 89 37 09 Mon. until Fri.: 10.00–12.00 Thurs. also 14.00–17.00 E-mail: pflegestuetzpunkt@ wetteraukreis.de Wiesbaden Konradiner Allee 11 65189 Wiesbaden Telephone: 06 11 / 31 36 48 and 06 11 / 31 35 90 Fax: 06 11 / 31 69 02 Mon., Wed. and Fri.: 10.00–12.00 Thurs.: 13.00–15.00 E-mail: pflegestuetzpunkt@ wiesbaden.de Please cut here, complete and place beside the telephone In an emergency Attach this card visibly beside the telephone Police Ambulance and fire brigade Stroke unit number Poison emergency hotline 110 112 112 0 61 31 / 1 92 40 You should be able to answer these questions in an emergency: Where is the assistance needed? Name of caller . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Anrufer Name of injured person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Verletzte/r Name of the owner of the residence . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Wohnungsinhaber/in Street, number, floor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Adresse ....................................................................................... What has happened? Accident . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Unfall What injury? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Welche Verletzung? Heart attack Stroke Fall Unconsciousness Herzinfarkt Schlaganfall Sturz Bewusstlosigkeit Important information: Previous illnesses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Vorerkrankungen Dementia Diabetes Parkinson’s Pace-maker Demenz Diabetes Parkinson Herzschrittmacher Essential medication . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Lebenswichtige Medikamente In an emergency, please inform Relatives . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Angehörige Caregiver . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Betreuer/in Friend or neighbour . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Freunde oder Nachbarn Doctor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Hausarzt/in Additional information Pharmacy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Apotheke Emergency number . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Hausnotruf Hospital . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Krankenhaus Health insurance company . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Krankenversicherung Other important information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Andere wichtige Stellen ....................................................................................... Please fill this form in when you have time and give the name and telephone number in each case. Hessian Ministry for Social Affairs Dostojewskistrasse 4 65187 Wiesbaden www.hsm.hessen.de