Nearly 40 percent of Germans don’t know what care costs they can expect, Hansi Merkur, press release

  • 67 percent of Germans needed care in family, acquaintances or friends
  • Double burden: About one in three have already cared for someone in need of care, 73 percent of them also work
  • 61 percent found that care was stressful, and for 47 percent this had an impact on their health
  • Not every second person with care experience feels well supported by a care fund, care advisors or care services
  • Germans are very willing to provide care: only 13 percent would not be willing to provide care. 73 percent will reduce their working hours or give up their jobs completely
  • Only 24 percent receive kinship support from their employer and only about half know who to talk to at the company
  • 93 percent of employees want company insurance to save their own risk in care

May 12th is International Nurses Day. He praises those who help the sick and the elderly. Next, the “HanseMercur Care 2022 Study” provides new insights into how people are informed about care and its effects, how well caring family members are aware of their condition and what people want for their care. To this end, market research institute HEUTE UND MORGEN, on behalf of HanseMerkur, conducted a survey on about 3,000 people between the ages of 18 and 75 at the end of December and January. The study was evaluated in detail through April 2022.

Studying is a wake-up call. Despite the many welfare reforms and the discussions associated with them, Germans are not sufficiently aware of the risks, costs, and benefits and do not feel well supported in implementing them.

Willingness to provide care in the future is surprisingly high. Most of them will even give up working hours, jobs and professions for this. But what is positive from the point of view of relatives in need of care poses a huge problem for the labor market and therefore for companies. Here, family welfare meets the already existing shortage of skilled workers.

“Four out of five women and two out of three men will need care in purely mathematical terms, so the problem will eventually appear in every household,” he says. Marco Butger, Head of the Long-Term Care Insurance Collaboration for the Supplemental Company at HanseMerkur. About a third of those surveyed had already provided care themselves and 76 percent dealt with care in their personal environment. And although most Germans assume that statutory long-term care insurance is insufficient to cover the costs of long-term care, more than half have yet to discover the advantages of statutory long-term care insurance. 36 percent had no idea about the rising costs of care. For example, the cost of care in nursing homes is greatly underestimated: the average estimate of 1,000 euros per month contrasts with 2,248 euros per month (PKV Association, April 2022).

Occupational limitations due to caregiving

Nearly a third of survey respondents have already actively sponsored them. Most say they kept working despite the stress. Mental issues, stress, and physical complaints caused it to happen almost every second.

Among those without caring experience, only a small percentage (13 percent) object to caring for loved ones. Willingness to cut back hours or take time off is surprisingly high (73 percent). These statements are highly explosive because they have a direct impact on the world of work. For many companies, the biggest challenge is actually hiring enough skilled workers. If they then lose important personnel to care for relatives, this seriously exacerbates the shortage of skilled workers,” Botger describes the situation.

Employers should be concerned and pay more attention to family compatibility and care work. But the situation in Germany is different. Only every fourth company has offers for caregivers and nearly half of employees don’t even know which company contact they should turn to.

“Supporting family care and protecting personal care risks will be a competitive advantage for companies in the future,” Botger emphasizes. In the battle to get the best employees, these soft factors play an important role besides salary. 93 percent would welcome the company’s nursing care that an employer provides to the workforce.

Your own security is also important for carrying out your welfare wishes. More than half of those surveyed do not wish to be cared for by the family, but would rather have care by professional nursing services. A person who needs care needs financial means for this, in the end he does not want to be a financial burden on his family.

More information about the Sponsorship Study 2022 and the supplementary HanseMerkur Company Sponsorship Insurance at

A printable image of Marco Poetger can be downloaded here free of charge for journalism purposes (Source: HanseMerkur).

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