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USEFUL INFORMATION

Searching for co-living for seniors

Few simple steps for assisted living! To live in a society with other people, that we have chosen. To live with care and 24-hour, if needed. To live in facilities we like that meet our personal needs.

It is possible. You make it happen.      

 

And it is so easy

1. Register

Type the address of our company https://wirzum.com/de_de/ and log in to the system. In the upper right corner in the “Enter” section write your email address and choose a password. Welcome to Your WIRZUM platform!

 

 2. Let’s search

You can now quickly and safely find your own compatible apartment for elder people, which completely fits your vision. On the WIRZUM home page, you just need to type the desired location of the apartment, where you wish to live. Example: General apartments – Munich. As soon as you will do that different rental options will appear. Based on the photos you can choose what you like the most. At the upper right corner of the screen you can choose “Other filters” and type your preferences: roommates, facility (i.e. accessibility), parking lots, or assisting equipment. If you stay in the upper part of the screen, you can choose the desired type of shared apartment (with or without care) and mention the preferred price.   

 

 3. You found the object!

Just click on the chosen object. At “Description” you will find detailed information about the object and its type (apartment with care, +50, etc.). At “General parameters”, you will find all the details regarding furniture and room size, as well as the privacy of residents.  At “Facility specificities”, additional details are provided regarding different facilities (width of the doors, rotation radius for people in wheelchairs, ramps, etc.).

 

  4. So let’s switch to Your own “kingdom” in the shared flat...

Further, the screen displays room/rooms for rent in a shared apartment. Click your preferred one. You will immediately find additional room descriptions with price, service fee, WIRZUM commission bail amount. 

Interested? Now, the only thing you need to do is to press the blue field entitled “Request”. The chatbot or “automatic consultant” will welcome You. Please clarify if you are looking for a shared room for Yourself or for others. Then press the “Next” button. You will be suggested to name your new profile. On your own wish, You can use your name. 

Let’s assume you press on the “grandpa” field, then “next”. You will be asked to enter specific data, such as Your birthdate and address, as well as your preferences, regarding the gender and number of future roommates.

Please indicate if you need assistance with daily activities, the possible level of the care, type of care, and assistance required at the shared apartment (guidance or partial/complete assistance). Please, do not hesitate to provide information about leisure, smoking/non-smoking, pets, and services, essential for everyday life. 

 

5. Wonderful! The time has come...

You can arrange an appointment with the owner of the object here and now. To do that you need to accept our terms of use (highlighted in blue). Please, open and read the terms of use of the WIRZUM platform. Then, choose desired date and time of the appointment. If the date will be approved, You will be immediately notified.

Congratulations!

Don’t forget: You are the one who architects Your destiny.

Your WIRZUM-team.

 

 

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Co-living for seniors – goodbye loneliness!

You were thinking that a shared apartment is only for the students.

Because of increasing prices on real estate, in many cities, this type of living grant, not just financial preferences, is also a good solution to combat loneliness in elder age!

It is approved, that loneliness is a disease of the 21st century. It makes elder people suffer psychically and physically. Undoubtedly, life in society is much better, as sharing thoughts with like-minded people brings us to life and we feel confident in the group.

That is the reason that the coliving of elder people in a shared apartment becomes a more and more popular form of living in the country and entirely in Europe. Living in society is the same as having the opportunity to have privacy in Your own space and advantage from various services upon requirement.

Briefly said two or more elder people are living in one apartment like students and use care and assistance services altogether. 

To find out if you will feel comfortable in an apartment for elder people please read further: below we list all the advantages and disadvantages.

 

Advantages and disadvantages

Advantages – Community as a “new family”.  

1. From a practical point of view:

  • Lower price for rent compared with individual apartment
  • Higher purchasing power due to saving time and money
  • Practically – increased amount of subsidies, i.e. for adaptation of living space.
  • Cooperative use of service providers (i.e. home-help/cooking)
  • Authorities to make decisions: participation in daily planning (task distribution, use of shared facilities)
  • Cooperative use of shared apartment allows spacious and comfortable living
  • Different types of care: from hourly to daily care for elder people, palliative care, short-term care, ambulatory care, preventive care, intensive care.

2. From the point of view of the quality of life:

  • Social life and new relationships: friendly communication and motivation by other residents
  • Joint activities (joint ventures and hobbies, evenings, games, etc.) and mutual support
  • Absence of scheduling for meals, watching TV, and other activities
  • You are socially integrated and active
  • Despite the social life, high level of privacy for residents (private rooms)
  • Your relatives do not worry, as they know, that you are safe.

Disadvantages

  • Limited choice of compatible, limitless apartments and concrete offers
  • Possible conflicts with roommates
  • Mutual attention is required: coliving with other people requires flexibility, readiness for compromises and conflict situations
  • You need carefully choose roommates to have similar social and educational levels, as well as the same interests. 
  • A double relocation may be required if later the complete hospital care will be unavoidable.

 

Expenses and prices for coliving for seniors

Every resident in the apartment pays for rent for his/her own living space and also proportionally pays for the rent of shared living spaces, such as kitchen, bathroom, and living room.

Generally speaking, the price of a rental in a shared apartment is lower compared with individual apartments. However, the price of the rent for apartments for elder people usually is higher, than in regular apartments, as the apartment or the house are architected in a barrier-free manner and contain special equipment, taking into account the age and disabilities of the residents (additional elevator, lift for bathroom, etc.).

 

Benefits for ambulatory groups for living arrangements – Benefits for groups for living arrangements at the amount of 214 Euro per month   

If you use coliving with care, You can receive care services with other residents. If combined, economic resources for services may be used much more effectively, which allows saving time and money. Residents of ambulatory groups for living arrangements, who received an acknowledged level of care may receive insurance payments for long-term care. Entities residing in apartments with shared living (coliving) and receiving care insurance, in-kind benefits for ambulatory care and assistance, have a right to receive a so-called residential group allowance. It accounts for 214 euros per month insofar at least two other roommates at the residential group have acknowledged the level of patient care.      

 

Care proposal

Each of us asked himself/herself a question: “What if I will need care?” In this case, the community of elder people also suggests several advantages. As it was mentioned before, ambulatory care could be undertaken jointly for the residential groups of elder people who need care. It helps to cut costs, i.e. due to reduced expenses for bus fares. If more than one residents receive benefits for care, the money can be combined and due to lower rental price, more money can be used for care services or additional equipment (i.e. systems for emergency call of professional services).  

Briefly about advantages and disadvantages of coliving of elder people

Advantages:

1. Coliving for elder people is like a “second family” – life in society and communications

2. Cooperative use of service providers means lower expenses, so higher purchase power

3. Increase in subsidies and wide range of care services:

   - Benefits for care, in-kind benefits for ambulatory care, care and assistance services

   - At least three residents in a shared apartment with care level – benefits in the amount of 214 euros per month for care for residential groups in shared apartments.

 

Disadvantages:

1. This type of coliving is not for everyone –mutual respect is of great importance.

2. In the case of complete hospital care, a need for relocation is to be considered.

 

What if there is progressive dementia?

Alzheimer’s disease is a neuroevolutionary disease, which deeply affects a patient’s personality, as well as negatively impacts equilibrium. For that reason importance of living space has vital importance for the well-being of patients with Alzheimer’s disease. Nowadays communities for people with dementia are becoming more and more popular and humane options than nursing homes. Generally, if the disease is not at an advanced stage, patients may receive diverse services or care. In most cases to maintain the care and privacy of patients with Alzheimer’s disease, ambulatory care is appropriate. 

The nurse is responsible for the care and medical treatment, which allows the patient to live in his/her own house. In some cases, nurses may reside at the place of residence of the Alzheimer’s disease patients if 24-hour care is required. People who need 24-hour care or medical care may benefit from coliving in a shared space for patients. Coliving helps to be more active and manage Alzheimer’s disease due to full and purposeful life. 

To receive additional information about this type of accommodation, please contact the WIRZUM team anytime. We will be happy to consult You and always ready to help!

Advantages of coliving for patients with Alzheimer’s disease:

1. Shared apartment as a humane alternative to a nursing home

2. Care in Your own house, as well as 24-hour care, if required

3. Life in a community helps to stay fit longer.

 

How do I find “my own” community of elder people?

WIRZUM team will help!

We invite You to have a look at our homepage https://wirzum.com/de_de/ and to register without any obligations. Here you will find a wide range of offers. If you are interested in one or more offers, please contact us. We will be happy to assist You in finding a perfectly matching community of elder people.

 

 

 

 

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Accommodation with care – autonomy and independence!

 

Accommodation with care is a way of living for elder people who prefer staying maximally autonomous even in old age. This type of housing is extremely popular as you live in a barrier-free apartment alone or with a person who is individually adapted to your needs. You organize your daily routine and decide how to manage your time as it was before. Simultaneously, you can feel free, because you have confidence that a wide specter of services is available right now or probably, a little bit later, as the needs dictate. The service ranges from home assistance, outpatient nursing to 24-hour care.

To ensure your complete autonomy these types of accommodation usually is located in a pleasant area in the city center. This guarantee optimal access to public transport, and shops and services.

 

Advantages and disadvantages

Advantages

  • Autonomy and great independence of residents
  • If necessary, you can benefit from additional services, i.e. ambulatory care or driver’s service.
  • Diverse types of care: hourly care of elder people, 24-hour care, ambulatory care, or preventive care.
  • A private place for living,
  • Cooperative activities with other residents,
  • Social contacts with peers and like-minded people
  • Limitless, age compatible life in elder age

 

Disadvantages

  • Relatively low level of offers for patient care in Germany
  • The term “assisted living” is not protected therefore, quality standards may vary widely
  • Intensive care is partially excluded and is not considered optimal
  • A need for double relocation, if later the complete hospital care will be unavoidable.

Assisted living: briefly about advantages and disadvantages

Advantages:

- Independence and autonomy

- Wide choice of types of the care

- Age compatible limitless living

 

Disadvantages

- The term “assisted living” is not protected therefore, different quality standards

- Intensive care is partially excluded and is not considered optimal

- In the case of complete hospital care, a need for relocation is to be considered.

 

The expected expenses

The expenses may widely vary from one elder people entity to the other and predominantly depends on three factors:

 1. Service catalog, which varies from land and the land.

2. Recovery rate, specified for service complex by long-term care insurance fund.

3. Diverse needs of residents.

 

The costs of ambulatory services vary not only in the individual Federal Provinces but also for different suppliers. The care service or health insurance fund at the place of residence will inform you about the number and complexity of services.

From day two of the care, for bearing the expenses for home care services, you can apply to a competent insurance fund.

Long-term care insurance covers expenses up to a maximum amount. If the care is provided by an ambulatory service, the person who needs care may apply for in-kind social security payments. 

Besides, insured persons with at least 2nd level care have a right to apply for social security for daycare and night care.

Furthermore, persons with at least 2nd level care may receive social security in the amount of 1774 Euro per year for short-term care and 1612 Euro per year for preventive care.

All insured persons who are in a need of long-term care may also claim for the following facilities regardless of the level:

  • Services for care and assistance (125 Euro/month)
  • Auxiliary facilities (up to 40 Euro/month)
  • Subsidies for the emergency call at home (25,50 Euro/month)
  • Subsidies for adaptation of living quarters (4000 Euro per event)

Summary: what expenses to expect?

- Service catalog varies from land and the land.

- The costs of ambulatory services vary for different suppliers

- from 2nd level care:

1. Home care service expenses, covered by the corresponding long-term care insurance fund,

2. Rights for daycare and night care

3. Social security in the amount of 1774 Euro per year for short-term care

4. 1612 Euro per year for patients with a temporary stay

Additional facilities regardless of the level of care

- Services for care and assistance (125 Euro/month)

- Auxiliary facilities (up to 40 Euro/month)

- Subsidies for the emergency call at home (25,50 Euro/month)

- Subsidies for adaptation of living quarters (4000 Euro per event).

 

Your WIRZUM-team will be happy to assist you in searching for rooms and apartments.

At our home website https://wirzum.com/de_de/, You can find the complete list of apartments and rooms.

Every day we offer new real estate objects.

You need to register only once and it is free! You can explore our offers, as well as find photos, rent prices, and offers and prices for corresponding services.

You can contact with WIRZUM-team anytime. We are happy to consult You and to support your choice!

 

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NEWS

What if the unused space at your house is turned into a coliving space for elder people?

20 March 2022

What if the unused space at your house is turned into a coliving space for elder people?

 

You own a spacious real property that you want to rent. Hence, the tenants usually look for small and cheaper apartments...

Or your children have grown up and left the parental house and you live in an empty house or apartment alone.

 “What happens to me?” You ask Yourself.

No!  This is not by any means a reason to move or to feel down. Or you are required to move to a nursing home. Even if you need care, you never know what to expect in the future, isn’t it a good idea just to postpone it? But what to do with the unused space?

Make something good happen for you and the others! Create your community for elder people! Just think how you will benefit from it: you will rent the free rooms, to elder people, whom you will choose according to Your attitudes, you will stay in Your “kingdom” and will continue independent living with dignity. At home.

Well, everyone wants that.

Now you wonder what organizational activities are there to create your own home.

I. To rent a room

You need to define what are the rooms for rent. Basic facilities, such as kitchen, living room, and bathroom are common. Every resident in the apartment pays rent for his/her own living space and proportionally pays rent for other facilities (kitchen, bathroom, and living rooms). It should be emphasized that the rent price is lower in a common apartment than in an individual one. Hence, the price for the rent may be significantly higher, as the apartment or house is architected in a barrier-free manner or if special equipment is required for disabled people (additional elevator, lift for the bathroom, etc.).

However, not just the construction specificities in your house or apartment are considered as important requirements appropriate for elder people. The location of the apartment or house is of importance: it has to be close to local infrastructure, local amenities, and medical care units.

An advice for you:

Prepare a checklist and mention...

1. Does your real estate property matches the requirements for real estate objects, appropriate for elder people

2. Which rooms are subjected for rent and which rooms will be common

3. Does the location of the real estate object for the coliving of elder people is near to the local infrastructure, local amenities, and medical care units.

 

II. Neighbors around the house

There are several ways to find like-minded people to establish a community of elder people. According to the data of the Federal Ministry of Healthcare, you can apply to the ambulatory services, which already take care of the apartment of coliving. Housing associations, as well as municipalities, might be contact persons, as they are involved in the planning of such projects. You can also look for flatmates, by placing announcements in the local meetings of elder people and in the centers of care assistance. Furthermore, you can classically place an announcement in the newspaper and wait for feedback.

Nevertheless, the quicker and safer way is through WIRZUM! We will help You!

Just register in our portal and introduce your real estate property, which is subject to rent with photos and precise information about the number and size of the rooms, location of the property, price of the rent, and associated costs. Then, add your own wishes, such as “preferably non-smoking, pets are allowed”, etc. As soon as the potential tenant will apply us, the WIRZUM team will schedule a meeting, so you can get acquainted with each other. When the flatmates are found, together you can clarify some crucial points regarding the coliving, i.e. distribution of tasks for everyone in the community or to solve juridical issues, associated with the establishment of such a community.  

As well as think about how you want to structure the rental agreement. The best option is to establish a partnership with other residents. This clearly defines how the partnership in the group will be organized. The other paragraphs involve rights for distribution, use of common territories and liabilities to make decisions if residents are changed. 

   Advice for establishers of new apartments:

1.  Get legal advice on the establishment of a coliving space. Usually, the establishment of an association is a good idea.  

2. Explain all the key paragraphs of the rental agreement. It is important to include also clauses regarding the termination of the rental agreement by the tenant.

3. Define Your ideal concept concerning coliving space: how the coliving will be regulated in the future.

4. All the coliving residents at the apartment have to come to a consensus regarding the distribution of responsibilities. At the outset, the legal form of the partnership agreement is concluded between all the tenants, the partnership, rights for distribution of duties at coliving, etc. should be pointed out.

5. How to satisfy the growing need for care of the residents. Search for i.e. ambulatory care service.  

        

III. Rental agreement

As it was mentioned above, clarify all the key paragraphs of the rental agreement. Ideally, each resident signs his/her rental agreement. This allows for avoiding problems in the case of resettlement or relocation. The tasks of the nurse or care service also should be pointed out in the agreement. Importantly: separately from the rental agreement! This refers primarily to the nurse, who is responsible for the care, as well as administrative and management tasks. The person responsible for care should be jointly hired by the residents of the apartment. An agreement is to be concluded to allow residents of the apartment to have a right to receive benefits on behalf of the residential group.

This is the safest decision for landlords and tenants when all the residents at the apartment conclude separate rental agreements with the host.

 

IV. Subsidies for a common apartment for elder people

Today, elder people in Germany can live independently at home. There are several advantages to supporting new housing forms for elder people. Government grants financial support and promotion in the form of housing benefits. The amount of benefit depends on the rental price in the co-living community, which corresponds to the pension of residents at the apartment and any additional income.

Do you need a barrier-free life and additional equipment for better privacy and life quality in your daily routine? To achieve this You can apply to receive higher subsidies, i.e. for adaptation of living space or early-stage funding. 

1. Startup financing

To establish a new co-living community for elder people or ambulatory group for care, funding is necessary for re-equipment of the apartment, appropriate for the habitation of elder people, which amounts to 2500 euros per each eligible person. Hence, each housing community may be claimed 10000 euros at the most.

Necessary conditions are:

  1. Eligible persons shall participate in the joint establishment of an ambulatory group for residential assistance.
  2. Determination of the care level. If a resident does not receive care benefits or in-kind facilities for care. This is also applicable to the 1st level care.
  3. Elder people share a common living space, i.e. a bathroom, a kitchen, and a common room, as well as the entrance.
  4. At least 3 and not more than 12 persons comprise a coliving community of elder people,and at least three of them need care.
  5. Each person is responsible for the community. The following expenses may be covered by the allowance for the residential group.
  6. The apartment must be or has been reequipped to correspond to the age category or to be modified into a barrier-free one.
  7. An application for subsidies must be claimed within one year all the abovementioned qualification requirements are fulfilled.

Briefly about the most important requirements:

1. At least 3 and not more than 12 persons comprise a coliving community of elder people, and at least three of them need care.

2. The apartment must be reequipped or restructured in a manner, appropriate for elder people.

3. A funding application must be claimed within one year all the abovementioned qualification requirements are fulfilled.

 

2. Startup funding in Bavaria

2.1. Application for funding of elder people community founders in Bavaria

The free land of Bavaria supports the establishment of ambulatory communities for patient care, providing early-stage funding up to 25000 euros. The individual founding such a community for elder people, who need care based on Article 2, section 3, sentence 3 PfleWoqG, may apply for approval of a State grant, according to Guidelines for Care Funding (WoLeRaF). Moreover, at the early stage of planning, it is necessary to contact a responsible specialized patient and disabled people care facility – development and quality control service (previously – household control), medical insurance finds, care insurance funds and social security agencies, fire protection state authorities, etc.

You need the following documents:

  1. Meaningful concept (Description of ambulatory community with assisted living, target group, aim, organization of life in it, etc, as well as floor plans.
  2.  Funding plan for requested expenses per calendar year (included in the application form)
  3. Medium-term funding plan for the upcoming five years (subsidized activity has to have a long-term perspective)
  4. Application to provide grant support as a contribution to SGEI de minimis.  
  5. Statement of the facts, associated with subsidy.

A brief review of startup funding in Bavaria:

1. In the frames of early-stage funding 25000 euros for up to 2 years may be received for the establishment of new ambulatory communities for assisted living.  

2. The grant amount comprises 90 percent of the maximum admissible expenses.

3. General subsidiary provisions are applied for project funding (ANBestP)

4.  Ministry of healthcare and care of the land of Bavaria - [email protected]

 

3. Grants to improve the living environment

A person, living in a shared apartment, who needs care may apply and receive up to 4000 euros subsidy from the long-term care insurance fund for the re-equipment of the apartment. This subsidy is intended to enable the possibility of care at home, which allows, i.e. to widen doors in the apartment, install a stairlift or reequip the bathroom.

This subsidy can be received for up to four people for one shared apartment for elder people: the total sum, in this case, is 16000 euros. If more than four people share an apartment, the grant sum to improve the living environment is divided by the number of all the flatmates.

Advice for the future:

If  the state of health of a resident at the apartment will worsen and a wheelchair and/or entrance ramp will be required, the subsidy may be processed for the second time

 

4. About types of care

People, who need care and live in the residential community are eligible to receive home care. Ambulatory treatment service price varies not only in separate federal lands but also among different service providers. Care service or health insurance fund at the place of residence will inform you about the number and volume of complex services 

In the case of private organizations of the community of elder people or shared apartments for care, residents need to take action and, if required to organize support from a private nurse or ambulatory service. Residents of the shared apartment may choose different care services, but no price advantages will be granted, as it was in the case of shared use. Types of care in the shared house for elder people comprise hourly care, 24-hour care, palliative care, short-term care, ambulatory care, preventive care, and intensive care.

 

Advice for founders of coliving of elder people:

Get informed about legal conditions when establishing shared apartments for elder people. The use of 24-hour care i.e. corresponds to nursing home care services. The Law obligates to perform particular requirements about nursing homes, which vary from land to land.

 

5. Surcharge for residential groups

People who live in shared apartments for elder people or in shared apartments with care receive a so-called surcharge for the common residential group of 214 euros per month. These payments can be used for funding additional expenses per person, who provides organizational, administrative, management support, and care support. An essential condition for that is coliving in a common apartment for at least three persons, who need care.

Furthermore, residents should jointly order person of presence services. This person supports the residential community and provides general care, performs administrative and household tasks. This person does not depend on elder people’s care. The caregiver does not have to be a trained nurse.  The caregiver is a domestic assistant that performs necessary daily care assistance by § 21 of the Regulations of Employment.

Requirements:

  1. Care level determination. If a person, living in a shared apartment does not receive benefits for care or in-kind benefits, this also refers to 1st level of care.
  2. Elder people use common living space, hence they have a common bathroom, kitchen, common room, and entrance. Pay attention that in the case of separate living units in the comprehension of the legislator a residential group does not exist, correspondingly there is no right for additional payments.
  3. At least 3 and not more than 12 persons comprise a coliving community of elder people,and at least three of them need care.
  4. Each person is responsible for the community. The following expenses may be covered by the allowance for the residential group.

To receive a benefit for residential living it is necessary:

1. At least 3 residents at shared apartment having patient care level.

2. Interested persons reside in a shared apartment equipped with home care services.

3. Starting from 01.01.2015 applicants, depending on care level, receive in-kind benefits, care benefits, or a combination of both, as well as persons with care level 0 with significantly limited daily competencies by § 45a SGB XI. 

 

6. Additional services

Starting from the 2nd level assuming the home care service expenses can be issued in the corresponding insurance fund. Long-term care insurance covers expenses up to a certain maximal sum. If the care is provided by the ambulatory service, the person who needed the care may apply and receive in-kind benefits for care. Furthermore, insured persons with at least 2nd level care also have a right to receive benefits for daycare and night care.

In addition, people, who need care and have at least 2nd care level may receive a 1774 euros per year benefit for short-term care and 1612 euros per year for preventive care. All the insured persons independently of care level may also claim the following benefits:

1. Care and assistance services (125 euros/month),

2. Funds, intended for consumer use (up to 40 euros/month),

3. Subsidies for the emergency call at home (2550 euros/month),

4. Subsidies for the adaptation of living space (modification into barrier-free living space – 4000 euros /event).

 

Briefly about the most important things:

1. People who need care in a shared apartment, may order ambulatory care service. Usually, the residential community looks for joint service for the resident’s care.

2.  If you have a care level, you are eligible for a monthly benefit for coliving for 214 euros.

3. Care service may be funded starting from the 2nd level through in-kind allowances for care.

4.  People, who need care, are eligible for an allowance of 125 euros per month, which is used, i.e. to pay for the presence or the caregiver, independently from the care level. 

 

7. Consultative visits

Ambulatory care recipients with care levels of 2-5 are eligible for free consultations with trained caregivers, who will consult them, i.e. on the issue of optimizing care or housing. Consultations for care benefit recipients are organized by phone, in a digital format, or the form of videoconferences up to 31.03.2022 if insured persons wish so. 

 

8. Review of the advantages regarding the level of care

Services

Care level 1

Care level 2

Care level 3

Benefits for patient care in ambulatory care 

0 Euro

316 Euro

545 Euro

In-kind benefits for ambulatory care/ daily and night care

0 Euro

724 Euro

1.363 Euro

Short-term care / Preventive care

(Kurzzeitpflege / Verhinderungspflege)

0 Euro

1.774 Euro

1.774 Euro

Ambulatory care and assistance

sum

125 Euro

125 Euro

125 Euro

Hospital accommodation

125 Euro

770 Euro

1.262 Euro

Patient care product

40 Euro

40 Euro

40 Euro

Measures to improve living conditions

Wohnumfeldverbessernde Maßnahmen

4.000 Euro

4.000 Euro

4.000 Euro

Payments for residential group

0 Euro

214 Euro

214 Euro

The average  cost-sharing, associated with care  0 Euro 580 Euro  

 

If you have private insurance for long-term care, you can claim for subsidy. In this situation rules for subsidization are applicable by § 45e, section 1, sentence 4. 

 

9. One more advantage – a benefit for relocation

Do you know that the long-term care insurance fund pays your new neighbors a benefit for relocation when they move to a shared apartment? Subsidies are paid for the relocations, which serve to maintain independence for as long as possible. This also refers to the settlement as a shared apartment for elder people. The long-term care insurance fund covers expenses if the person moves to a new apartment that is better adapted to the person’s physical needs. This involves, i.e. barrier-free apartments, as well as auxiliary means to ensure access to the apartment. The long-term care insurance fund covers the expenses of the company for relocation or in the case of private relocations, i.e. expenses of a truck, material expenses (boxes for relocation). These expenses must have been verifiable. The long-term care insurance fund pays benefits for relocation for 4000 euros. This is regulated by §40 section 4 of the Social Codex XI.  

 

V. Extended payments, associated with Covid-19, by the long-term care insurance fund

During pandemics of Covid-19 long-term care insurance fund provides financial aid and assistance schemes to the people who need care, to their relatives, as well as care facilities.

1. To compensate for coronavirus infection triggered care deficiency people, who need care and have care 1st level may benefit from an allowance of 125 euros per month up to 31.03.2022 for the services intended by the following regulations.

2. People who need the care of all the levels, may use unused amounts of money intended for care services from 2021 to 30.06.2022.

3. Payment of benefits now will take 20 working days instead of 10 up to 31.03.2022.

4. To determine the need for care, the medical service (MD or MDK) may evaluate the place of residence without examining the insured person, if it is necessary for the protection of the insured person and appraisers. Classification may be performed based on the case file and, if required, a telephone interview. 

5. Consultations for care benefit recipients may be performed on phone, in a digital format, or the form of videoconferences up to 31.03.2022 if insured persons wish so.

 

VI. Laws for elder people communities by federal lands

Baden-Württemberg

Act on Nursing homes for the Elderly at Baden-Württemberg – The Public Housing Law(LHeimG)

Bavaria

Law on regulation of the quality of care, support, and housing in elderly and in persons with disabilities (Act on care quality and housing - PfleWoqG)

Berlin

The law about Self-Determination and participation in Assisted community life (Act on housing involvement, WTG)

Brandenburg

Brandenburg Law about housing for elder and disabled people (BbgPBWoG)

Bremen

Bremen Law about housing and care (BremWoBeG)

 

 

Hamburg

Hamburg Law about the improvement of quality of housing and care for elder people, disabled people, and people, who need care (Hamburg Law about quality of housing and care - HmbWBG)

Hesse

Hesse Law about care and nursing services (HGBP)

Mecklenburg-Vorpommern Pomerania

The law about improvement of quality at facilities for people, who need care, and disabled people, as well as about strengthening their self-determination and involvement (Law about quality of facilities - EQG M-V)

Lower Saxony

Law of Lower Saxony about nursing homes (NHeimG)

North Rhine-Westphalia

The law about assisted life and care in the facilities (Law about care and involvement - WTG)

Rhineland-Palatinate

State law about forms of housing and involvement (LWTG)

Saar land

Law of Saar land about maintaining the quality of housing, assistance, and care for elder people,  persons of legal age, who need care, and disabled people (Law about housing at Saar land - LHeimGS)

Saxony

Law of Saxony about the regulation of the quality of care and housing of elder people,disabled people, and in the case of care requirement at free land of Saxony (Law of Saxony about quality of care and housing - SächsBeWoG)

Saxony-Anhalt

Housing forms and participation Act of Saxony-Anhalt land (WTG-LSA)

Schleswig-Holstein

Act about the strengthening of Self-determination and protection of people, who need care or disabled people (Law about strengthening of Self-determination - SbStG)

Thuringia

No legislation yet 

 

VII. Are you ready for a brand new start?

At the elder age, we are non-confident regarding every new and unknown. Hence, traditional life models, such as living in a big family have changed and some forms for elder people are impossible due to functional or financial causes or way too expensive. This grants significance to the neighborhood and coliving space projects. Every person may organize a community for elder people.     

Be the master of your own life!

Your medical insurance or insurance if care is required, the department of social services in your city, consumer services In your area, are potential contact persons.

Or just contact us. It will be way more quick, easy and safe.

WIRZUM – We are together!

 

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Does your house match your age?

22 February 2022

Does your house match your age?

We will make you something to think about. Carefully watch your apartment or house, then ask the following questions.

Rooms

1. Lighting: is there enough light in the rooms for reading during the daytime?

2. Does the height level of switches and sockets is appropriate (about 85sm) for wheelchair users and can they be easily managed?

3. Can you access all the rooms on the wheelchair?

  • Door thresholds?
  • Door width is at least 90sm?

4. How accessible are the furniture items?

  • Unwieldy furniture, is there a risk of stumbling because of rugs and carpets?
  • Is it easy or difficult to care for?
  • Does bed and seat height correspond to age
  • Is there a telephone with a large button or a mobile phone for an emergency call?

5. Does the floor non-slip, smooth, and no stairs?

6. May one or several rooms be equipped as care rooms?

 

At the kitchen

1. Are countertops and electric appliances at the appropriate height?

2. Does the kitchen equipment generally simple to use and ergonomic?

 

In the bathroom

1. Does the entrance to the shower cabin is rather low for the elder people or possibly it is entirely at ground level (barrier-free)?

2. Does the bathtub is available: may, if required a lift or bathing board attached?

3. Are there handles for safety available at the shower cabin, bathtub, and near the toilet?

4. Does the toilet matches the elder people and does the seat is on a user-friendly height.

 

About apartment/house generally

  • Is it easy to get to your apartment/house?
  • Is on the first floor
  • Can anyone get on the elevator/stair lift?

 

The first step is planning, carefully inspecting your house, and considering the necessary requirements for life taking into account the age specificities.  

 

Home, that corresponds to the age

According to the reconstruction-crediting corporation (kfW), “a standard house for elder people” is reached when the single apartment or all the apartments in the building respond to the particular requirements (including minimal technical requirements corresponding to re-equipment activities).

This includes accessibility to the real estate object appropriate for the age (paths to the building and residential measures, entrance, and access to the apartment), living room and bedroom, kitchen, and bathroom, appropriate for the age. The equipment also has to be simple to use and ergonomic.

Once you determined priorities for the renovation, you can define also financial aspects. The cost of repair depends on the number and types of desired changes.

You also can register for consultation for reconstruction crediting corporation agent, who will provide detailed information about the volume and financing of re-equipment events.

 

How to fund the works for age-appropriate modifications?

Sometimes the works on modifications exceed budget resources. There are therefore subsidies to finance such activities, taking into account the age or accessibility of the space. These are provided as credits or grants. Subsidies depend on particular conditions, which every financing facility establishes on its own.

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Обзор финансирования жилья для пожилых людей

19 January 2022

Обзор финансирования жилья для пожилых людей

"Дом — милый дом!" Все мы чувствуем себя наиболее комфортно в собственных стенах. Однако в пожилом возрасте это может стать проблемой, если помещение не обставлено соответствующим образом. К сожалению, переезд в дом престарелых часто становится неизбежным. К счастью, сегодня существуют способы и средства, позволяющие переоборудовать помещения в соответствии возрастным особенностям. Это можно осуществить благодаря субсидиям и льготным кредитам на выгодных условиях.

 

A. Субсидии

С одной стороны, субсидии предоставляются федеральным правительством, через кредитные агентства по реконструкции (KfW); с другой стороны, федеральной землей, в которой проводится преобразование. Как правило, берется кредит под низкий процент (до 50.000 € от 0,7% эффективной годовой процентной ставке). Программа расчитана со сроками кредитования от 4 до 30 лет. Возможно согласование до 5 лет без погашения кредита.

KfW выдает кредиты исключительно через финансовые учреждения (банки, сберегательные кассы и страховые компании). Заявление должно быть подано в выбранную Вами финансовую организацию до начала реализации проекта. Началом проекта считается начало строительных работ. (Источник: KfW, по состоянию на 09/2021)

Внимание: Сумма и разнообразие субсидий варьируются в разных федеральных землях, поэтому Вам следует хорошо изучить вопрос.

Требования для предоставления субсидий

По данным KfW, сумма кредита может состоять из нескольких компонентов по списку:

  • Программа владения жильем KfW 124 (покупка или строительство собственной недвижимости)
  • Базовый кредит в соответствии с программами жилищных субсидий федеральных земель плюс надбавка на ребенка
  • Стартовый кредит
  • KfW 159 Кредит для переоборудования существующих зданий, с учетом возрастных особенностей, до 50.000 €
  • KfW 261, 262 Субсидии на энергоэффективную реконструкцию существующих жилых зданий, покупку нового или заново отремонтированного эффективного дома и отдельные мероприятия по энергоэффективности в существующих объектах недвижимости.

С 22.02.2022 года вновь стало возможно финансирование энергоэффективной реконструкции зданий за счет средств KfW. Первым шагом в случае предстоящего преобразования является определение потребности в нем (по причине старости, болезни, необходимости ухода). Переоборудованная или восстановленная недвижимость должна отвечать этой потребности. Затем проверяется кредитоспособность заявителя. Точная сумма кредита всегда определяется в каждом конкретном случае. Особенно важно, чтобы заявитель имел доход, облагаемый взносами на социальное страхование, как работник или фрилансер. Другие факторы включают собственный капитал заявителя, личный вклад и залог. Тип кредита и его сумма определяются в соответствии с определенными критериями. К ним относятся, например, затраты на переоборудование и то, является ли это новостройкой или вторичной недвижимостью.

Совет: подавайте заявку на получение субсидий как можно раньше, поскольку это сэкономит Вам время ожидания и деньги!

 

B. Субсидии на снижение барьеров для частных лиц

Субсидия — это финансовая помощь, которую не нужно возвращать.

Как частное лицо, Вы имеете возможность подать заявку на получение субсидии на устранение барьеров/порогов (455-B). Этот вид субсидии не связан с какими-либо возрастными ограничениями. Его максимальная сумма составляет 6.250 € и может быть использована для приобретения уже переоборудованного жилья. На покрытие соответствующих инвестиционных расходов, включая вспомогательные расходы (например, планирование и консультационные услуги), может быть предоставлено до 100 %, максимум 50.000 € на единицу жилья.

Общие допустимые расходы на единицу жилья имеют решающее значение для получения инвестиционной субсидии от KfW на переоборудование существующих объектов недвижимости с учетом возраста 455. Размер субсидии составляет 12,5 % от допустимых расходов на стандартный "дом для пожилых людей", максимум 6.250 €, 10 % от допустимых расходов на меры по устранению барьеров (максимум 5.000 €) и 10 % от расходов на защиту от взлома (максимум 1.500 €). Инвестиционная субсидия 430 на установку особо эффективных систем отопления и вентиляции ограничена в общей сумме максимум 30.000 €.

Для получения субсидий должны быть соблюдены следующие требования:

Соответствующие возрастным особенностям меры по переоборудованию основаны на стандарте DIN 18040-2 (Безбарьерное строительство - Принципы планирования - Часть 2: Жилые помещения). Однако требования к новому строительству здесь устанавливает кредитное агентство по реконструкции (Kreditanstalt für Wiederaufbau, KfW). Кроме того, KfW разработал программу по обеспечению доступности посредством мер по преобразованию, которая разделена на семь различных модулей финансирования. Эти модули можно свободно комбинировать, поскольку они адаптированы к потребностям заявителя. Расходы на указанные в нем мероприятия по переоборудованию и дополнительные вспомогательные работы (в той мере, в какой они служат для создания доступности) покрываются.

Мы представим отдельные меры по устранению барьеров/порогов с некоторыми примерами. Подробности каждого отдельного мероприятия можно посмотреть на сайте https://nullbarriere.de/.

 

Кредитное агентство по реконструкции (KfW) - Индивидуальные меры по устранению/снижению барьеров

Область финансирования 1. Пути к зданиям и меры по улучшению жилищных условий.

Здесь финансируются переоборудование и создание безбарьерных путей к зданиям, а также меры по обеспечению жилой среды, такие как создание парковочных мест и навесов для пешеходов и инвалидных колясок. Для дорожек у входа в здание указаны конкретные рекомендации, такие как минимальная ширина 1,20 м и информация о конструкции здания (ровная, нескользкая, пороговая и бесступенчатая). «Дополнительно допустимые вспомогательные работы» касаются, например, создания равномерного освещения на уровне пола (не менее 10 лк) или покупки и установки объектов общественного назначения.

 

Область финансирования 2. Вход в здание и вход в квартиру

В безбарьерной квартире или доме входные двери должны быть шириной не менее 0,90 м, обеспечена максимальная высота порога (до 20 мм) и зона передвижения не менее 1,50 x 1,50 м или 1,40 x 1,70 м.  Установка автоматических и/или механических дверных приводов и дверных доводчиков, а также элементов управления (например, дверных ручек, нажимных и тяговых ручек, цилиндров замков) считаются дополнительными вспомогательными работами, соответствующими критериям второго модуля.

 

Область финансирования 3. Вертикальный доступ/преодоление разницы в уровнях

Здесь разрабатываются рекомендации, к примеру, по установке пассажирских лифтов. Они касаются размеров кабины, бесступенчатой доступности лифта, ширины прохода (90 см). В базовую комплектацию входит панель управления на определенной высоте, которая имеет функцию аварийного вызова и сигнализации. Также изложены рекомендации для лифтов высотой до 1,2 или 3 м, а также для подъемника с лестничной платформой, наклонного подъемника, подъемника с сиденьем и лестниц (перила, маркировка ступеней, противоскользящее покрытие). Приобретение пандусов также возможно, если они отвечают определенным требованиям: ширина не менее 1,00 м, максимальный уклон 6%  максимум 10%).Дополнительные положения применяются к металлическим пандусам (например, зоны передвижения не менее 1,50 м х 1,50 м для подъема и спуска). Дополнительные допустимые работы включают контрастную разметку ступеней или работы по сносу, необходимые для переоборудования, а также последующие работы на соседних элементах здания.

 

Область финансирования 4. Адаптация геометрии помещения

Финансирование может быть применено, например, для расширения гостиных, спален (минимальный размер комнаты 14 м²) или коридоров (минимальная ширина 1,20 м). Это также относится к работам по переоборудованию кухни (минимальная глубина кухонного гарнитура 1,20 м), для новой ширины прохода межкомнатных дверей и компактных дверей и для устранения порогов в здании. В этом случае дополнительные вспомогательные работы, соответствующие критериям, включают в себя оснащение автоматическими приводами дверей электроприводами или использование цветовой концепции для людей с деменцией.

 

Область финансирования 5. Переоборудование ванной комнаты и туалета

Это важная глава. Ванные комнаты и туалеты для пожилых людей должны обеспечивать комфорт и безопасность. Поэтому их размер должен быть не менее 1,80 м х 2,20 м. Существуют рекомендации по глубине санитарных объектов (умывальники устанавливаются на уровне роста пользователей) и по расстоянию между объектами или между ними и стеной. Также поощряется установка межкомнатных дверей, которые сдвигаются или открываются наружу и могут отпираться снаружи. Рекомендуется устанавливать душевые кабины на уровне пола с нескользящими или противоскользящими напольными покрытиями, а также регулируемые по высоте унитазы и, например, системы ванн с боковым доступом. К дополнительным допустимым вспомогательным работам здесь относится установка перегородок или сидений (откидных),  установка душевых на уровне пола или укладка нескользящей или противоскользящей плитки. Сюда также входит установка удобных для пользователя приспособлений и технических средств (например, опор и поручней).

 

Область финансирования 6. Ориентация, общение и поддержка в повседневной жизни

Данный модуль финансирования предусматривает установку или расширение соответствующих возрастным особенностям систем помощи ("Ambient Assisted Living" или технологии интеллектуальной системы здания) без терминальных устройств и развлекательных технологий. Субсидии предоставляются на связанные со зданием аварийные, вызывные и вспомогательные системы, такие как сигнализация протечки воды, системы камер, панические кнопки, отключение электроприборов, централизованное включение электроприборов или розеток в зависимости от присутствия, или, например, домофонные (видео) системы с использованием видео технологий. Вы даже можете подать заявку на финансирование датчиков падения и движения. К дополнительным допустимым вспомогательным работам относятся предварительные конструкции стен для последующей установки удерживающих систем, а также монтаж кабельной инфраструктуры и монтажные работы по прокладке элементов управления.

Внимание: цифровые устройства бытовой электроники, такие как смартфоны или планшеты, не подлежат финансированию.

Важно: все системы помощи, соответствующие возрастным особенностям, должны быть просты в управлении и эргономичны.

 

Область финансирования 7. Общие комнаты и проживание нескольких поколений

В этом случае Вы можете подать заявку на финансирование, если хотите переоборудовать существующие общие комнаты или создать новые. Это относится к существующим зданиям с тремя и более жилыми помещениями. Должны быть соблюдены определенные требования, например, минимальная глубина кухни 1,50 м или наличие ванной комнаты с безбарьерным туалетом и умывальником. Кроме того, субсидии можно получить на соответствующие вспомогательные работы, такие как малярные, штукатурные, стяжечные работы, или на монтаж или строительство подводки для кухонного помещения. Подробную информацию о каждом отдельном показателе конверсии можно найти на сайте https://nullbarriere.de/.

 

C. Другие источники финансирования

1. Страхование по уходу за больным

Согласно § 40 абз. 4 SGB XI, если Вы нуждаетесь в уходе и имеете степень по уходу, Вы можете подать заявление на получение субсидий, чтобы Вы могли жить как можно более независимо с помощью технических средств и переоборудования в Вашем собственном доме. Вы имеете право на получение до 4.000 € за одно преобразование (и до 16.000 €, если несколько лиц, имеющих право на преобразование, проживают вместе). Если ситуация с Вашим уходом меняется, применяется новая мера (§ 40, абз. 4 SGB XI). Субсидия должна быть запрошена из фонда страхования по уходу с оценкой затрат до начала мероприятия. Вы сможете получить до 4.000 € за одну меру из фонда страхования по уходу. Если впоследствии ситуация с Вашим уходом изменится, применяется новая мера (§ 40, абз. 4 SGB XI).

2. Управление социального обеспечения

Субсидии или кредиты на мероприятия по переоборудованию жилья, пригодного для проживания пожилых людей, предоставляются в этом случае в зависимости от размера дохода и имущества заявителя.

3. Фонды медицинского страхования, средства и помощь §27 SGB V

4. Специальные муниципальные фонды

5. Государственные программы финансирования

В некоторых случаях (например, при тяжелой инвалидности) можно претендовать на субсидии в рамках программ государственной поддержки жилищного строительства. Во всех федеральных землях стандарт DIN 18040–2  "Безбарьерное строительство - Принципы планирования - Часть 2: Жилища" стал признанным для строительства и переоборудования жилья, соответствующего возрастным особенностям и инвалидности, в руководящих принципах финансирования. Государственные субсидии обычно предоставляются в виде кредитов под низкий процент. Однако способы финансирования в отдельных федеральных землях сильно различаются по типу и объему.

 

Если Вы хотите и дальше проживать в Вашем собственном доме, примите меры предосторожности заранее.

Как Вы уже поняли, существует несколько способов сделать Ваше жилье отвечающим возрастным особенностям. Инвестиции в мероприятия по преобразованию всегда оправдывают себя - стоимость Вашей недвижимости за счет этого повышается, но это не главное…

Улучшается и повышается, прежде всего, качество Вашей жизни.

И это точно стоит того!

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