How much are the contributions to long-term care insurance?
Contributions to long-term care insurance were adjusted on 1 January 2025. The general contribution rate is now 3.6% of gross income. Individuals without children continue to pay a surcharge of 0.6%, resulting in a total contribution rate of 4.2% for them.
Parents with multiple children receive discounts: the contribution rate decreases by 0.25 percentage points per child from the second child, up to a maximum of the fifth child. This regulation applies until the youngest child reaches the age of 25.
Long-term care insurance contribution rate (from 1.1.2025)
| Insured |
Contribution rate
|
Employee share
general
|
Employer share
general
|
Employee share
(Saxony)
|
Employer share
(Saxony)
|
| without children |
4.20 % |
2.40 % |
1.80 % |
2.90 % |
1.30 % |
| with 1 child |
3.60 % |
1.80 % |
1.80 % |
2.30 % |
1.30 % |
| with 2 children |
3.35 % |
1.55 % |
1.80 % |
2.05 % |
1.30 % |
| with 3 children |
3.10 % |
1.30 % |
1.80 % |
1.70 % |
1.30 % |
| with 4 children |
2.85 % |
1.05 % |
1.80 % |
1.55 % |
1.30 % |
| with 5 or more children |
2.60 % |
0.80 % |
1.80 % |
1.30 % |
1.30 % |
The contribution assessment limit for long-term care insurance has also been increased. In 2025, it is 5.512,50 Euro monthly or 66.150 Euro annually.
Distribution of contributions:
- Employees and employers usually share the contribution equally.
- Childless employees bear the surcharge of 0.6% alone.
- Self-employed and voluntarily insured persons pay the entire contribution themselves.
- Pensioners pay their contribution to long-term care insurance entirely on their own, without any contribution from the pension insurance.
