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.