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Einkommen und Vermögen der Pflegehaushalte in Deutschland

Author

Listed:
  • Johannes Geyer

Abstract

In 2013, some 2.6 million people received longterm care benefits. The number of benefit recipients has risen by 45 percent since 1998. A good 70 percent of benefit recipients, roughly 1.7 million people, are cared for at home and nearly 30 percent in a nursing facility. There are also a significant number of individuals who are dependent on care but not to such an extent that they are entitled to benefits from their care insurance. Instead, they are almost all cared for at home. Long-term care is usually a major burden on the individuals and households concerned. Alongside health-related restrictions, there are also additional costs due to medical expenses and care. At the same time, related caregivers often earn less, since they are forced to reduce working hours to take on care commitments. The present study shows thatcare households have similar incomes to households without care recipients. However, transfer payments for care recipients make up a relatively high share of total income. Moreover, care recipients’ assets are far lower than those of individuals without care needs. Care recipients living alone have particularly limited financial resources, and they represent more than 40 percent of all care households. Im Jahr 2013 bezogen rund 2,6 Millionen Menschen Leistungen der Pflegeversicherung. Die Zahl der Leistungsempfänger ist seit 1998 um 45 Prozent gestiegen. Gut 70 Prozent der Leistungsbeziehenden, etwa 1,7 Millionen Personen, wurden zu Hause und knapp 30 Prozent stationär gepflegt. Daneben gibt es eine nicht unerhebliche Zahl von Personen, die auf Pflege angewiesen sind, aber noch nicht in einem Maß, das zu Leistungen aus der Pflegeversicherung berechtigt, diese werden zu fast 100 Prozent zu Hause gepflegt. Ein Pflegefall stellt für die betroffenen Personen und Haushalte in der Regel eine große Belastung dar. Neben den gesundheitlichen Einschränkungen entstehen zusätzliche Kosten durch Ausgaben für Medizin und Pflege. Zugleich sinkt häufig das Einkommen der pflegenden Angehörigen durch Reduktion der Erwerbstätigkeit. Die vorliegende Studie zeigt, dass Pflegehaushalte über ein ähnlich hohes Haushaltseinkommen verfügen wie Haushalte, in denen keine pflegebedürftige Person lebt. Allerdings machen Transferleistungen bei Pflegebedürftigen einen relativ hohen Anteil am Gesamteinkommen aus. Darüber hinaus ist ihr Vermögen erheblich geringer als das von Personen ohne Pflegebedarf. Insbesondere alleinlebende Pflegebedürftige verfügen über geringe finanzielle Ressourcen, stellen zugleich aber über 40 Prozent aller Pflegehaushalte dar.

Suggested Citation

  • Johannes Geyer, 2015. "Einkommen und Vermögen der Pflegehaushalte in Deutschland," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 82(14/15), pages 323-328.
  • Handle: RePEc:diw:diwwob:82-14-1
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    More about this item

    Keywords

    long-term care; wealth; income distribution;
    All these keywords.

    JEL classification:

    • I14 - Health, Education, and Welfare - - Health - - - Health and Inequality
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs

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