Expert reveals: How to find the perfect – and affordable – caregiver
Created: 06/14/2022, 17:05
By: Janine Napirca
As a relative of a person in need of care, are you faced with the question of who should take care of you and how to finance the care?
An industry insider gives valuable tips.
When your
own parents or other relatives are in need
of care , you often face many questions and everyday problems in addition to the emotional stress.
What to do if you are unable or no longer able to take care of someone in need of care?
How do you find the right caregiver?
How expensive is caring for relatives?
What
financial support
are you entitled to?
The care expert and founder of the placement
platform Marta,
Philipp Buhr, knows advice on the most important questions when it comes to
24-hour care
.
What are the different forms of caring for relatives?
First of all, the person in need of care is classified in a
care level
due to physical and/or mental limitations .
While care level 1 is the lowest level of need for care, people with the highest care level 5 receive the greatest possible support in everyday life.
In addition to mobility
,
cognitive and communicative skills and behavior
are also crucial
.
The financial support provided by the nursing allowance also depends on the degree of nursing care of those affected.
According to the expert, this is currently between
316 euros and 901 euros per month
.
If you care for a relative or organize their care, you have various options - and the right to financial support.
© gpointstudio/Imago
A basic distinction is made between
inpatient and home care
.
In addition to the classic
outpatient care service
, which according to Buhr costs between EUR 500 and EUR 2,500 per month, there is also the option of 24-hour care.
24-hour care is particularly useful when the person in need of care needs support in everyday life and care without time pressure is desired.
Philipp Buhr, care expert and founder of the placement platform Marta
According to the expert, there are temporary and long-term options in inpatient care with average costs of 2,125 euros.
In addition, there are often costs for a single room or any comfort services in the nursing home, which are heavily dependent on the nursing home and sometimes increase the budget many times over.
Not in a nursing home: How much does care at home cost?
On average,
home care costs 2,500 euros per month
.
However, the number fluctuates depending on the number of people living in the household and the amount of care required and what is expected of the caregiver.
In addition to the costs for the care itself, free accommodation, which according to the expert means a lockable room, and food should be provided.
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Since home care by a 24-hour caregiver is considered a private service, you will continue to receive the full care allowance and can also benefit from
tax
advantages.
According to Buhr, for example, if the financial support is maximized and care level 3 is achieved, a monthly expense of 1,500 euros plus board and lodging can be expected.
You do not necessarily have to be in need of care in order to be able to claim certain financial claims in health matters.
Have you ever heard of the prevention budget?
Because of this, you are entitled to have your health insurance company finance apps for your mental health.
You are entitled to this financial support for individual care
Nursing allowance
: depending on the degree of nursing, between 316 euros and 901 euros per month
Care benefits
in kind : 724 euros to 2,095 euros per month
Preventive
care budget: up to 1,612 euros annually
According to the expert, you can also claim the
costs for a caregiver as a household-related service for tax purposes
.
You can deduct up to a fifth of up to EUR 20,000 per year from tax on your income tax return, saving EUR 4,000 per year.
Did you know: You can also deduct the costs for the chimney sweep from your taxes.
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How do I find an affordable caregiver for my parents or other family members?
The founder of the placement platform Marta recommends paying attention to
cost transparency
, good communication and an
examination of the qualifications of nursing staff
.
Marta.de offers those looking for care, for example, the opportunity to get in touch with carers directly.
According to Buhr, they have their own profile on the platform and provide transparent information about their expertise and preferences.
According to its own statements, the company carries out
interviews and background checks
with the caregivers on site and takes care of the insurance and legality of the employment.
By doing without other placement companies, costs can be saved for all sides through this direct way of employment.
(jn)