{"id":6980,"date":"2026-02-25T15:00:31","date_gmt":"2026-02-25T14:00:31","guid":{"rendered":"https:\/\/awo-lifebalance.de\/?aur_infobereich=understanding-the-use-of-income-and-assets"},"modified":"2026-07-06T11:56:46","modified_gmt":"2026-07-06T09:56:46","slug":"understanding-the-use-of-income-and-assets","status":"publish","type":"aur_infobereich","link":"https:\/\/awo-lifebalance.de\/en\/?aur_infobereich=understanding-the-use-of-income-and-assets","title":{"rendered":"Understanding the Use of Income and Assets"},"content":{"rendered":"\n<p>Costs for nursing care, household assistance, and personal care that are not covered by long-term care insurance will be billed to you or your family member. <strong>For full-time and part-time inpatient care, the following costs must be paid out of pocket:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Lodging and Meals<\/li>\n\n\n\n<li>Capital expenditures (the operator&#8217;s expenses for new construction, maintenance, technical equipment, etc.)<\/li>\n\n\n\n<li>Standardized copayment<\/li>\n\n\n\n<li>if applicable, a training allowance (reimbursement of training stipends and operating costs for nursing schools through a pay-as-you-go system)<\/li>\n\n\n\n<li>Additional costs, if any<\/li>\n<\/ul>\n\n<p>If the investment costs cannot be covered by the resident&#8217;s own funds, in some federal states the counties and independent cities provide a subsidy in the form of <strong>a housing allowance for long-term care equal to the investment costs<\/strong>. As a rule, the institution applies for this expense subsidy.<\/p>\n\n<p>The person in need of care must <strong>use all of their income and assets <\/strong>to cover the costs they are responsible for. In the case of <strong>spouses<\/strong>, their <strong>joint income<\/strong> and assets are taken into account to an appropriate extent if one spouse lives permanently in a nursing home.<\/p>\n\n<p><strong>Income includes:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>All income, such as salaries, pensions, and retirement benefits<\/li>\n\n\n\n<li>Housing Allowance<\/li>\n\n\n\n<li>Support payments (from spouses, children, or parents)<\/li>\n\n\n\n<li>Income from Renting and Leasing<\/li>\n\n\n\n<li>Investment Income<\/li>\n\n\n\n<li>Voluntary contributions from third parties, provided they are not merely small gifts<\/li>\n<\/ul>\n\n<p><strong>The following, among other things, are not considered income:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>Compensation for Pain and Suffering and Blindness Benefits<\/li>\n\n\n\n<li>Basic Pension Under the Federal Pension Act (BVG)<\/li>\n<\/ul>\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background is-style-wide\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-contrast-color has-text-color has-link-color wp-elements-fe05ae9b82b8d62bdacb0e1e6b41b766\" style=\"margin-top:25px;margin-bottom:25px\">Note<\/h5>\n\n\n\n<p style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0\">Fixed expenses, such as insurance premiums, taxes, or dues to associations, are deducted from the income to be taken into account. The so-called &#8220;adjusted income&#8221; must then be used in its entirety to pay for the nursing home care.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background is-style-wide\"\/>\n<\/div>\n\n<ul class=\"wp-block-list\">\n<li>Savings<\/li>\n\n\n\n<li>Real Estate<\/li>\n\n\n\n<li>Valuable furniture and paintings<\/li>\n\n\n\n<li>Valuable Jewelry<\/li>\n<\/ul>\n\n<p>However, the so-called <strong>exempt assets<\/strong> may not be touched. These include, among other things:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Cash up to 10,000 \u20ac.<\/strong> The amount increases by <strong>an additional 10,000 \u20ac<\/strong> if the nursing home resident is married, and by <strong>an additional 500 \u20ac<\/strong> for each additional person supported by the person in need of care or by the spouse.<\/li>\n\n\n\n<li>A reasonable amount of <strong>household goods<\/strong> <\/li>\n\n\n\n<li><strong>Items<\/strong> that <strong>aren&#8217;t a luxury<\/strong> to own, such as musical instruments, books, and photography equipment<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\">Income &amp; Assets for Married Couples<\/h2>\n\n<p>If a spouse lives in a long-term care facility on a permanent basis, <strong>all of their income and assets<\/strong> must <strong>be contributed in an appropriate manner<\/strong>. The exemption also applies to spouses.<\/p>\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background is-style-wide\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-contrast-color has-text-color has-link-color wp-elements-fe05ae9b82b8d62bdacb0e1e6b41b766\" style=\"margin-top:25px;margin-bottom:25px\">Note<\/h5>\n\n\n\n<p style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0\"><strong>Savings set aside for<\/strong> one&#8217;s own <strong>funeral<\/strong> are generally <strong>protected from being seized<\/strong>. However, according to case law, only a reasonable amount is to be taken into account. To that end, an arrangement should be made, such as an account with a restriction note. Many <strong>funeral homes<\/strong> also offer <strong>pre-need plans<\/strong>. Here, you can deposit money, save, or purchase funeral insurance.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background is-style-wide\"\/>\n<\/div>\n\n<p>In practice, asset <strong>valuation<\/strong> is handled in a variety of ways. Please check the current status and seek personalized advice on this matter.<\/p>\n\n<div class=\"wp-block-group aur-service-pflege has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background aur-service-pflege is-style-default\" style=\"margin-top:var(--wp--preset--spacing--30);margin-bottom:var(--wp--preset--spacing--30)\"\/>\n\n\n\n<p class=\"aur-service-pflege\">Would you like to receive free advice from our experts on income and assets and discuss your specific situation?<\/p>\n\n\n\n<div class=\"wp-block-buttons aur-service-pflege is-horizontal is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-03627597 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button aur-service-pflege\"><a class=\"wp-block-button__link has-secondary-background-color has-background wp-element-button\" href=\"https:\/\/awo-lifebalance.de\/kontakt\/\" target=\"_blank\" rel=\"noreferrer noopener\">Schedule a consultation<\/a><\/div>\n\n\n\n<div class=\"wp-block-button aur-service-pflege\"><a class=\"wp-block-button__link has-secondary-background-color has-background wp-element-button\" href=\"tel:08002961133\">Call directly for free<\/a><\/div>\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<hr class=\"wp-block-separator has-text-color has-secondary-color has-alpha-channel-opacity has-secondary-background-color has-background\"\/>\n\n\n\n<div class=\"wp-block-group has-secondary-color has-text-color has-link-color has-medium-font-size wp-elements-8afde28c32ad392d1698d4669e9e0a64 is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-3c8805c5 wp-block-group-is-layout-flex\">\n\n<\/div>\n<\/div>\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading alignwide\">Read more on this topic<\/h2>\n\n\n\n<div class=\"wp-block-query alignwide is-layout-flow wp-block-query-is-layout-flow\">\n\n\n\n<div class=\"wp-block-query-no-results\">\n\n<p>There are currently no related posts.<\/p>\n\n<\/div><\/div>\n<\/div>\n\n<p class=\"aur-service-pflege\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Costs for nursing care, household assistance, and personal care that are not covered by long-term care insurance will be billed to you or your family member. For full-time and part-time inpatient care, the following costs must be paid out of pocket: If the investment costs cannot be covered by the resident&#8217;s own funds, in some [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","meta":[],"tags":[416],"class_list":["post-6980","aur_infobereich","type-aur_infobereich","status-publish","hentry","tag-youll-have-to-come-up-with-that-yourself"],"_links":{"self":[{"href":"https:\/\/awo-lifebalance.de\/en\/wp-json\/wp\/v2\/aur_infobereich\/6980","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awo-lifebalance.de\/en\/wp-json\/wp\/v2\/aur_infobereich"}],"about":[{"href":"https:\/\/awo-lifebalance.de\/en\/wp-json\/wp\/v2\/types\/aur_infobereich"}],"wp:attachment":[{"href":"https:\/\/awo-lifebalance.de\/en\/wp-json\/wp\/v2\/media?parent=6980"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awo-lifebalance.de\/en\/wp-json\/wp\/v2\/tags?post=6980"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}