Financing surplus in long-term care insurance in 2025
According to the latest projections by the Scientific Advisory Council of the German Pension Insurance (DRV), long-term care insurance will have a financing surplus of around 11 billion euros by 2025. This is due, among other things, to the fact that the number of people in need of care is increasing less strongly than expected.
The Council’s projections are based on the assumption that the number of people in need of care will increase by 1.5 percent per year in the coming years. However, the DRV’s experts believe that this estimate is too high. They expect the actual increase to be closer to 1.0 percent per year.
The DRV’s projections also take into account the fact that the number of people paying into long-term care insurance is increasing. This is due, among other things, to the fact that the population is aging and more people are working in old age.
The financing surplus in long-term care insurance is expected to increase in the coming years. The DRV’s experts estimate that the surplus will reach around 26 billion euros by 2030.
The financing surplus in long-term care insurance is good news. However, it is important to note that the projections are based on a number of assumptions. If these assumptions do not materialize, the financing surplus could be smaller than expected.
The DRV’s experts recommend that the government use the financing surplus to improve the benefits of long-term care insurance. They also recommend that the government invest the surplus in measures to prevent the need for care.
Details of the financing surplus
- The financing surplus in long-term care insurance is expected to be around 11 billion euros by 2025.
- The surplus is due to the fact that the number of people in need of care is increasing less strongly than expected and the number of people paying into long-term care insurance is increasing.
- The financing surplus is expected to increase in the coming years and reach around 26 billion euros by 2030.
- The DRV’s experts recommend that the government use the financing surplus to improve the benefits of long-term care insurance and invest in measures to prevent the need for care.
Finanzierungsüberschuss in der Pflegeversicherung 2025
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