A disability can be congenital or caused by an accident, but also by a chronic disease. Around 2022 million people in Germany were living with a disability in 10, 7.8 million of whom were even considered severely disabled.
The degree of disability is determined by a medical expert and depends on the limitations that the disabled person has in everyday life. If you already have a severe disability, you can usually get the appropriate level of care between 1 and 5. This can be done separately with your own health and long-term insurance company.