Financing
Care levels explained clearly
The care level determines money and services. Classification is not based on diagnoses but on how independent a person is in everyday life.
Overview of the five care levels
Care level 1
12.5 – 27 points
Minor impairment of independence
- Benefits in kind per month
- no benefits in kind
- Relief amount per month
- €131
Care level 2
27 – 47.5 points
Considerable impairment of independence
- Benefits in kind per month
- €796
- Relief amount per month
- €131
Care level 3
47.5 – 70 points
Severe impairment of independence
- Benefits in kind per month
- €1,497
- Relief amount per month
- €131
Care level 4
70 – 90 points
Most severe impairment of independence
- Benefits in kind per month
- €1,859
- Relief amount per month
- €131
Care level 5
90 – 100 points
Most severe impairment with special care requirements
- Benefits in kind per month
- €2,299
- Relief amount per month
- €131
Amounts as of 2026. We bill benefits in kind directly with your care insurance fund. The relief amount under Section 45b SGB XI is granted in every care level, including care level 1.
How to obtain a care level
Submit the application
You apply informally to your care insurance fund. A phone call is enough, and we support you with it.
Assessment
The Medical Service visits you at home and assesses independence in six areas of life.
Classification
You receive the decision assigning one of the five care levels, backdated to the month of application.
Use the benefits
We set up the care and bill your insurance fund directly. You do not have to pay anything in advance.
We accompany the assessment
Many classifications turn out too low because a good day is described during the assessment. We prepare you, keep a care diary with you and, if you wish, attend the appointment. If the decision is too low, we help you appeal.
Talk to us before the situation becomes urgent.
Most families call us after a hospital stay, under time pressure. A conversation beforehand takes that pressure away. It costs nothing and commits you to nothing.