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Goldmay | Funding for care at home | Updated: August 20261A GUIDE FOR FAMILIES | GERMANY 2026Care at home can beeasier to financeFind out which long-term care insurance benefits, tax relief and other forms of support may beavailable to a senior or their family. We present the key amounts clearly, transparently and withoutunrealistic promises.up to €990Monthly care allowanceAvailable for care grades 2-5when care at home is organisedindependently.€131Relief allowanceA monthly amount for approvedeveryday support services – notcash for unrestricted use.€3,539Combined annual budgetFor respite and short-term carewhen the statutory conditions aremet.Check the caregrade firstMost important benefits depend on the officially assessed level of care needs.If the senior does not yet have a care grade, or if their condition hasdeteriorated, the first step is to apply to the long-term care insurance fund foran assessment or a higher care grade.Let us assess your family’s care needs togetherContact us: info@goldmay.de | The initial consultation is free of obligation.
Goldmay | Funding for care at home | Updated: August 2026201 | THE MAIN CASH BENEFITCare allowance: financial support for care athomeCare allowance is paid from care grade 2 when care at home is arranged independently. Thesenior may use it to organise everyday support – including as part of the budget for care at home.It is not, however, a direct reimbursement of a Goldmay invoice.CaregradeMonthlyAnnuallyGood to know1No care allowance; other forms of support maybe available.2€347€4,164Full amount when care is organisedindependently.3€599€7,188May noticeably reduce the family’s monthlycontribution.4€800€9,600May also be combined with an outpatient careservice.5€990€11,880Highest care allowance rate in 2026.Important whenusing an outpatientcare serviceIf the family uses an approved outpatient care service as an in-kind carebenefit, the care allowance may be reduced proportionally. Both benefits canbe combined as a combination benefit.Mandatory advisory visitAnyone receiving only care allowance must attend an advisory visit every six months – since 2026 this also applies to caregrades 4-5. For higher care grades, voluntary quarterly advice remains possible. The responsible long-term care insurancefund will confirm the details.
Goldmay | Funding for care at home | Updated: August 2026302 | ADDITIONAL BUDGETSFour forms of support families often ask aboutThese benefits can ease pressure on the household budget. Each benefit has a specific purposeand its own reimbursement rules.€131 / monthRelief allowanceFor care grades 1-5. Up to €1,572 annually forapproved everyday support services. Unusedamounts may be carried over to the followinghalf-year within the statutory deadline.€3,539 / yearRespite and short-term careA combined budget from care grade 2. Itcovers replacement care when a private careris temporarily unavailable and short-termresidential care. It is not a permanent monthlyallowance.€42 / monthCare suppliesFor consumable care aids such as disposablegloves or disinfectants. Reimbursement ispossible when the conditions of the long-termcare insurance fund are met.up to €4,180Home modificationsFor an approved measure that makes care orindependence easier, such as a saferbathroom, wider doors or a ramp. Theapplication should preferably be submittedbefore work begins.ImportantdistinctionThe relief allowance and in-kind care benefits are not paid to the family likethe care allowance. They generally require an approved provider and billingfor a specific service. They should not automatically be deducted from themonthly price of a live-in home carer.When several eligible people live togetherFor a shared home modification, the total grant may reach €16,720 if at least four eligible people live together. Thelong-term care insurance fund assesses each case individually.
Goldmay | Funding for care at home | Updated: August 2026403 | PROFESSIONAL CARE SERVICESIn-kind care benefits: a separate budgetfor an approved outpatient care serviceThe long-term care insurance fund can finance services provided by an approved outpatient careservice. Billing takes place directly with the authorised provider. This arrangement cancomplement support from a home carer – especially for tasks requiring nursing qualifications.Care gradeIn-kind care benefit / monthDay or night care / month12€796€7213€1,497€1,3574€1,859€1,6855€2,299€2,085A practicalcombinationA home carer can support the senior with daily routines, household tasks,meals and companionship. An approved outpatient care service can carry outagreed nursing or medical tasks. The duties must always match the contractand the person’s qualifications.Combination benefit in briefIf the in-kind care benefit budget is not used in full, a proportion of the care allowance may remain payable. Example: if 40%of the in-kind benefit budget is used, 60% of the care allowance generally remains.
Goldmay | Funding for care at home | Updated: August 2026504 | TAX RELIEF AND SUPPORT FOR RELATIVESBeyond care insurance: check tax relief and therights of working relativesThe cost of legally invoiced care and household assistance may reduce German income tax,depending on the contractual model and the taxpayer’s individual situation.20% of costsHousehold-related servicesThe tax reduction under Section 35a EStGmay amount to a maximum of €4,000 per year.A proper invoice and cashless payment arerequired; only costs actually borne by thetaxpayer are considered.up to 10 daysCare support allowanceIn an acute situation, working relatives maytake a short period away from work andreceive wage-replacement support: generally90%, and in certain cases 100%, of the lost netearnings.Further support for family carers• Free care courses offered by the long-term care insurance fund.• Under certain conditions, pension insurance contributions for private family carers.• Statutory accident insurance during care activities.• Possible unemployment insurance protection after leaving employment to provide care.Tax matters requirean individualassessmentGoldmay does not provide tax advice. Whether a tax reduction is availableand its amount should be confirmed by a tax adviser or the tax office on thebasis of the specific contract, invoices, place of service and tax situation.
Goldmay | Funding for care at home | Updated: August 2026605 | WHAT CAN ACTUALLY REDUCE THE COST?A clear overview without misleading totalsThe safest approach is to plan the funding in three separate categories.Type of supportCan it ease the Goldmay carebudget?Main conditionCare allowanceYES – most directlyCare grade 2-5 and care at home securedSection 35a taxreliefPOSSIBLY – after taxassessmentInvoice, bank transfer and eligible costsRespite careONLY UNDER SPECIFICCONDITIONSTemporary replacement of a private carerRelief allowanceNOT AUTOMATICALLYApproved service and billing compliantwith state lawIn-kind care benefitNOT FOR ORDINARY HOMECARE SERVICESApproved outpatient care serviceHome modifications/ care aidsINDIRECTLY – reduces otherexpensesPurpose-specific application and approvalor reimbursement by the care insurancefundWhy do we presentit this way?The family should know its realistic, sustainable budget before choosing care.The care allowance may be included in the basic calculation. Other amountsare shown separately – as possible reimbursements, purpose-specific benefitsor tax relief, not as a guaranteed monthly discount.
Goldmay | Funding for care at home | Updated: August 2026706 | WHERE SHOULD YOU BEGIN?Six steps towards organised care fundingYou do not need to understand the entire system. Simply begin with the right questions anddocuments.1Check the care gradeIf there is no care grade yet, apply to thelong-term care insurance fund. If needs haveincreased, consider applying for a highergrade.2Prepare for the assessmentRecord which everyday activities the seniorneeds help with, how often assistance isrequired and what happens at night.3Request care adviceFree care advice should help create anindividual benefit plan and identify approvedlocal services.4Collect decisions and invoicesKeep letters from the care insurance fund,invoices, payment confirmations anddocuments relating to home modifications.5Define the roles clearlyAgree what the family, the home carer and theapproved outpatient care service will eachprovide.6Compare the actual contributionDeduct the reliable care allowance first.Calculate conditional benefits and tax reliefseparately.Let us discuss care that fits the senior’s way of lifeContact us: info@goldmay.de | The initial consultation is free of obligation.
Goldmay | Funding for care at home | Updated: August 2026807 | FREQUENTLY ASKED QUESTIONSClear answers at a glanceWill the long-term care insurance fund pay for a Goldmay carer?Not directly. The most flexible form of support is the care allowance. Other benefits are linked to specific services,authorised providers or temporary replacement care.Can a family use both a home carer and an outpatient care service?Yes. This is often a practical model: daily support at home is combined with services from an approved outpatient careprovider. The effect of in-kind care benefits on the care allowance must be taken into account.Does the €131 relief allowance always reduce the Goldmay invoice?No. The benefit is purpose-specific and depends on whether the provider is recognised under the law of the relevant federalstate.Does Goldmay guarantee that benefits will be approved?No. The decision is made by the long-term care insurance fund, a public authority or the tax administration. Goldmay canhelp the family organise the care needs and prepare questions for the responsible institution.SOURCES AND CURRENCYThe amounts were checked against the information available in August 2026. Main source: the German Federal Ministry of Health, ‚Benefitentitlements for insured persons in 2026′, and the current guide to long-term care insurance benefits. Tax information: German Federal Ministry ofFinance, Section 35a EStG.Online sources: bundesgesundheitsministerium.de/themen/pflege/online-ratgeber-pflege/leistungen-der-pflegeversicherung/leistungen-im-ueberblick |bundesgesundheitsministerium.de/pflegegeld/seite | bundesgesundheitsministerium.de/pflege-zu-hause/weitere-leistungen-und-angebote-zur-unterstuetzung-im-alltag| bundesgesundheitsministerium.de/pflege-zu-hause/zuschuesse-zur-wohnungsanpassung |ao.bundesfinanzministerium.de/esth/2025/tabellarische-Uebersicht/Steuerermaessigung-35a.htmlLegal noticeThis material is provided for information only and does not constitute legal ortax advice or binding information about entitlement to benefits. Rules maychange; entitlement is determined by the responsible institutions afterassessing the individual circumstances.Let us begin with a calm conversation about the senior’sneedsContact us: info@goldmay.de | The initial consultation is free of obligation.
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