Long-term care insurance benefits
The long-term care insurance system was put in place to cover – at least partially – the costs incurred as a result of a need for long-term care and for assistance to perform activities of daily living (ADLs).
Long-term care insurance is intended to provide care and support to dependent persons who live at home or in a care and assistance facility. It caters to their needs by:
- providing benefits in kind;
- covering the cost of assistive technology and home adaptations.
In the case of dependent persons who live at home, the benefits in kind may be replaced by cash benefits, subject to certain conditions.
Special case: Palliative Care
If a person wishes to be admitted for palliative care, they should not apply for long-term care insurance coverage and be evaluated by the AEC. Instead, they should ask their doctor to file a 'Declaration to obtain palliative care' (Déclaration en vue de l’obtention des soins palliatifs) with the Social Security Medical Board (Contrôle médical de la sécurité sociale).
The medical procedures covered by health insurance are subject to rules set forth in the statutes of the National Health Fund (Caisse nationale de santé). Except for home adaptations, all long-term care insurance benefits are available to beneficiaries of palliative care. The technical aids that can be made available are set out in a specific list in appendix 2 of the respective Grand-Ducal regulation in force. For the coverage of ADLs, a flat rate of 780 minutes applies.
Persons who are already long-term care insurance beneficiaries and are receiving a cash benefit will continue to receive the benefit when the entitlement to palliative care is approved.
Further information can be found on the Ministry of Health and social Security website.