Dependency insurance in Luxembourg
During one's life, one sometimes needs the help of someone to make ordinary everyday gestures. The long-term care insurance exists to cover this eventuality, and covers the expenses which result from this assistance. Who does this help relate to, what is it about, what are the steps to be taken to get it? Editus.lu gives you explanations.
What is dependency insurance?
It is a help given to people who can no longer take care, and whose costs can be difficult to bear . This means that, for example, if you no longer know how to feed yourself autonomously or if you are unable to carry out your toilet without assistance, you can benefit from dependency insurance.
The long-term care insurance is integrated into social security , and works like health insurance: the contribution is obligatory and any person, if it finds itself in situation of dependency, can benefit from a help. It is therefore a solidarity principle.
Who can benefit from dependency insurance?
Anyone affiliated with health insurance, as well as members of his family, regardless of his financial income.
To enjoy this dependency insurance, it is necessary to prove that one can no longer perform certain acts of everyday life (to feed oneself, to wash oneself, to dress alone, etc.). for at least 6 months. Other conditions: it must be shown that the act that can no longer be performed autonomously takes at least 3 hours and 30 minutes a week, and that it is the result of an illness or disability (physical, psychological or mental).
Note that these conditions are not requested to certain categories of the population , including people with complete blindness or severe hearing problems.
The steps to take to benefit from dependency insurance
An application must be submitted via a long-term care insurance claim form . It is available at the Evaluation and Orientation Unit, at the Caisse Nationale de Santé, and at the Ministry of Social Security.
Before returning the form, it is imperative to attach a report prepared by a doctor . The latter must provide information on the state of health of the person applying for the long-term care insurance.
Any request is then evaluated by a nurse and a doctor designated by the Evaluation and Orientation Unit . On the basis of their opinion, the final decision is made by the President of the Caisse Nationale de Santé.
What kind of benefits?
The long-term care insurance covers several needs, namely:
- Custody or home surveillance
- Support for everyday tasks (feeding, washing, dressing, etc.)
- Support for household chores
- Adaptation of the accommodation (installation of a stairlift , widening of a door, etc.) or vehicle
- Loan of equipment ( wheelchair , hospital bed, etc.)
- Providing support and advice (help finding a place in a specialized day center, etc.)