Social security in care

For private carers

Under certain conditions, SBK pays contributions towards unemployment and pension insurance for private carers. Private carers are people who provide care to a person in need of care on a non-commercial basis in their home environment.

Payment of pension insurance contributions

Payment of unemployment insurance contributions?

How to obtain unemployment and pension insurance contributions

How much are the contributions?

Eine Pflegefachkraft sitzt in der Hocke neben einer älteren Frau im Rollstuhl und berührt sie an der Schulter.

Social security – your benefits

As a carer, you are covered in a special way.

The payment of pension insurance contributions increases your pension entitlement.

The SBK Long-Term Care Consultation Service can help you with any questions regarding social security in care.

What are the eligibility criteria for the payment of pension insurance contributions

You regularly care for one or more people with

care levels

2 to 5 on at least two days a week and for more than ten hours a week.

You provide care on a long-term basis (more than two months) and on a non-commercial basis.

In addition to providing care, you are not employed or self-employed for more than 30 hours a week.

You are not yet receiving a full old-age pension and have not yet reached the standard retirement age.

What are the eligibility criteria for the payment of unemployment insurance contributions?

You regularly care for one or more people with

care levels

2 to 5 on at least two days a week and for more than ten hours a week.

You provide care on a long-term basis (more than two months).

You are not employed or self-employed.

You do not receive unemployment benefits or transitional allowance from the Federal Employment Agency.

You were in employment subject to compulsory insurance or were receiving unemployment benefits until immediately prior to commencing care work.

How to obtain unemployment and pension insurance contributions:

The person in need of care submits an application for long-tem care insurance benefits to your care insurance fund.

As part of a personal assessment of the person in need of care in their home environment, the Health Insurance Medical Service determines the amount of time required for care at home and registers the private carers.

As soon as we have received the Health Insurance Medical Service’s report, we will send you – as a private carer – a questionnaire regarding pension and unemployment insurance obligations.

If all the contributions are met, you are automatically entitled to insurance.

How much are the contributions?

The amount of the contributions depends on the care level and the type of benefit received (care allowance, combined benefits, benefits in kind) by the person in need of care.

Eine ältere Frau sitzt mit ihrer Tochter auf einer Bank und sie unterhalten sich.

Your supplementary care insurance

Well looked after in the future – with the additional insurance policies from our partner ARAG, you can protect yourself against high costs for care from a young age.

Find out more

This might interest you

Eine Ärztin gibt einer älteren Frau bei einem Hausbesuch Medikamente.

Requirements and benefits provided by the SBK Long-Term Care Fund

Ein älterer Mann sitzt im Rollstuhl zu Hause und wird von seiner Tochter geschoben.

You can receive financial support from us for care at home

Einer älteren Frau werden ihre Haare von ihrer Enkelin gekämmt.

Combined care provided by a private individual and a care service

Social security in care

ID to request consent