Long-term Care Insurance Act

Loi sur l'assurance dépendance

The Long-term Care Insurance Act aims to provide coverage for assistance and care services to individuals who are dependent due to physical, mental, or psychological conditions. It aims to support dependent persons in maintaining autonomy at home or in care facilities. The policy involves the Luxembourg National Health Fund (CNS) and the Evaluation and Control Administration for Long-Term Care Insurance. The policy covers essential life activities such as personal hygiene, nutrition, mobility, and household maintenance. It applies to all insured persons in Luxembourg, including those with optional insurance after a qualifying period. The law stipulates that individuals aged 60 and over can benefit from long-term care services. Younger individuals with autonomy loss are classified under different categories such as disabled or invalid. The law includes multidisciplinary assessments to determine the level of care needed, ranging from 210 to 2,171 minutes per week. It provides in-kind benefits, cash benefits, and covers technical aids and home adaptations. Additionally, the insurance covers expenses related to personal care services, medical care, and even accommodation in retirement homes. It aims to partially cover the costs associated with dependence, ensuring that older persons can afford the necessary care. The law was enacted in 2005.