Those in need of care receive benefits from the long-term care insurance – regardless of the duration of the assessment procedure – from the day the application is received by the BKK, at the earliest from the start of the need for care. If the need for care already existed in the month before the application for benefits, the BKK long-term care insurance fund will provide benefits from the beginning of the application month.
If a repeat assessment determines that the requirements for a higher care level already existed from a point in time in the past, BKK-insured individuals will receive the higher benefits retroactively. If the state of health has improved and the applicable care level is therefore lower, the BKK long-term care insurance fund will adjust its benefits prospectively.
A further requirement for the start of benefits is proof of a 2-year pre-insurance period. This must be completed within 10 years prior to the application for benefits. It does not have to be completed in one go. All periods of membership and periods of family insurance with a statutory long-term care insurance fund are taken into account. Periods of private long-term care insurance with a private health insurance company can also be taken into account under certain conditions.
