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Pflegereform 2010: Karenzzeiten in der Sozialen Pflegeversicherung


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  • Häcker, Jasmin
  • Hackmann, Tobias
  • Raffelhüschen, Bernd
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    Das im Jahr 2012 zu erwartende Defizit in der Sozialen Pflegeversicherung (SPV) sowie die durch die geplante Neufassung des Pflegebedürftigkeitsbegriffs zusätzlich entstehenden Mehrausgaben machen einschneidende Reformmaßnahmen der SPV dringend erforderlich. Ist es das erklärte Ziel der Politik, die bereits bestehende intergenerative Ungleichheit nicht weiter auszudehnen und die im Koalitionsvertrag vereinbarte Ergänzung der SPV um kapitalgedeckte Elemente umzusetzen, so zeigt der vorliegende Beitrag mit dem Vorschlag einer Karenzzeit - im Sinne einer Wartezeit bis zur Leistungsgewährung - eine Möglichkeit auf, die SPV in ein nachhaltiges System zu überführen. Die Karenzzeit findet hierbei ihre Rechtfertigung durch die genaue Analyse der Verweildauer in Pflege. -- As current research as well as current data reveal, the German long-term care insurance (LTCI) is expected to run a deficit in 2012. Additionally, further expenses will result due to the newly conceptualized definition of long-term care needs - in future, five instead of three care levels are to meet the needs of LTC patients. Accounting for the demographic turbulence ahead, the German LTCI is in urgent need of a broad reform. The paper suggests a reasonable transition from the current pay-as-you-go system to a partly funded strategy thereby accounting for the burden each generation is confronted with. With the help of generational accounting, we demonstrate that a certain waiting period (Karenzzeit) until LTC benefits are granted achieves an intergenerational balance. This reform proposal stems from the analysis of the length of stay in LTC.

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    Bibliographic Info

    Paper provided by Research Center for Generational Contracts (FZG), University of Freiburg in its series FZG Discussion Papers with number 46.

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    Date of creation: 2010
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    Handle: RePEc:zbw:fzgdps:46

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    1. Fetzer, Stefan & Moog, Stefan & Raffelhüschen, Bernd, 2003. "Die Nachhaltigkeit der gesetzlichen Kranken- und Pflegeversicherung: Diagnose und Therapie," Discussion Papers 106, Institut für Finanzwissenschaft, Albert-Ludwigs-Universität Freiburg.
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