European

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European Patent Office
The European Patent Office
Serving industry and the public
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Long Term Care Insurance
European patent Office
b_05/03_1
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Overview

• Compulsory or voluntary basis?
• Procedure for determining the level of care
• Benefits
• Contributions
• Conclusion

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Compulsory or voluntary basis?

• Persons covered by COMPULSORY insurance
• permanent employees
• contract staff members (covered by the EPO
  social security)
• former permanent employees receiving
• an invalidity pension or
• an outright retirement pension
• dependent children
• dependent children (orphan's)

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Compulsory or voluntary basis?

• Persons covered by VOLUNTARY insurance ( two
  categories)
• Persons eligible for insurance by virtue of a
  decision of an insured employee (active or
  retired)spouses, former spouses entitled to
  personal maintenance, other persons entitled to
  maintenance.

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Compulsory or voluntary basis?

1. Persons insured voluntarily on an individual
   basisare those who wish to maintain insurance
   cover which may terminate (death of the insured
   person, resignation, etc..)

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Level of care

• The degree of reliance on long-term care
• is assessed by examining the ability of
• the insured person to take care of himself
• independently and to perform certain
• everyday and housekeeping activities,
• with or without assistance,
• help or care provided by a third person.

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Level of care

• Procedure
• Criteria for assessing reliance on long-term
  care
• Definition of activities and ability to perform
  them
• Time allocation for activities in each category
• Overall assessment and final recommendation

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Level of care
Criteria for assessing reliance
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Level of care

• The 11 physical and mental activities
• as defined are divided into three categories
• Basic activities of everyday life (mobility,
  dressing, washing, eating and drinking, use of
  WC)
• Cognitive capacity(daily life without
  supervision, communication)
• Basic housekeeping activities (preparing meals,
  cleaning, washing/ironing, shopping)

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Level of care

• Time allocation for activities in each
• Category (example)

Category 1 A B C D
Mobility - 10 mins. 20 mins 40 mins.
Dressing - 5 mins. 10 mins. 20 mins.
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Level of care

• Overall assessment and
• final recommendation
• High help in at least 3 of the 7
• activities mentioned in Categories 1-2
• Very High help in at least 4 of the 7
• activities mentioned in Categories 1-2
• Total help in at least 5 of the 7
• activities mentioned in Categories 1-2

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Benefits
Summary of the benefits Summary of the benefits
Level of reliance Amounts
High 50 of basic salary (C1/3)Example Germany 1 109.94
Very High 75 of basic salary (C1/3)Example Germany 1 664.92
Total 100 of basic salary (C1/3)Example Germany 2 219.89
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Contributions

• apportionment ratio of
• Office Employee 2/3 1/3
• The total contribution rate has been setat 1.2
  of basic salaries and pensions, ie 0.4for the
  employees
• Based on a reserve fund

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Contributions Examples

• Permanent employee
• basic salary 4 600.31
• Contribution 1/3 of 1.2 of 4 600.31
  18.40
• Contract employee
• basic salary 4 600.31
• Contribution 1/3 of 0.4 of 4 600.31 6.13

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Conclusion

• Relatively new scheme introduced in July 2001
• Positive experience till now
• Budgetarily balanced
• Managed within a paritary joint consultative
  committee (management/staff representation)
• Requests treated rapidly
• Currently 70 persons have benefited from it
• Covers approximately 16.600 persons

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Thank you for your attention
European Patent Office

• European Patent Office
• Bayerstr. 34 / Zi. 4424
• 80335 Munich, Germany
• Tel. [phone]