How much does it cost to use long-term care insurance services?

When using long-term care insurance services, the insured person (service user) pays part of the cost, and the insurer (municipal government) bears the rest. At this time, the "burden ratio" indicates how much the insured person should bear for the actual expenses incurred.

The burden ratio for those aged 65 and over is divided into three levels, 10%, 20%, and 30%, depending on the income situation of the previous year.

• The total amount of income is the amount after deducting the amount equivalent to necessary expenses (the calculation method differs depending on the type of income) from the amount of income, and is the amount before deductions such as deductions for dependents and medical expenses. . In addition, if there is a special deduction for long-term (short-term) capital gains such as the transfer of land and buildings, etc., the amount obtained by deducting the special deduction from the total income amount will be used.
• Pension income does not include tax-exempt pensions (disability pensions and survivors' pensions).
• The other total income amount is the total income amount minus miscellaneous income related to pension income.
• Those who are subject to restrictions on benefits due to non-payment of long-term care insurance premiums will also be assessed based on their income. When the period of benefit limitation expires, the burden ratio will be according to income.

A long-term care insurance contribution ratio certificate will be issued to all those who are certified as requiring long-term care or support.
The long-term care insurance burden ratio certificate is a certificate that lists the “burden ratio” when using long-term care insurance services.

Since the burden ratio is determined according to the previous year's income, it is issued to those who have been certified as needing long-term care or support from late June to July every year.
When you receive your ratio certificate, please keep it in a safe place together with your long-term care insurance certificate.

Note 1: For those who have newly received certification for long-term care or support, it will be issued when the certification result notification is sent.
Note 2: It will not be issued to those who do not have certification for long-term care or support.

Applicable period: From August 1st to July 31st of the following year

Issuance period: Every year from the end of June to around July

Keep the burden ratio certificate together with the long-term care insurance certificate, and be sure to submit both to the service provider or facility when using nursing care services.
If you forget the burden ratio certificate, you may not be able to receive care services at the original burden ratio.

If the income of the individual or a member of the household (aged 65 or older) changes due to an amended tax return, etc., and the copayment ratio changes, the period of application of the copayment ratio certificate will change until the most recent August. up to) will be changed retroactively.

If the burden ratio changes due to the move-out or death of a household member (aged 65 or over), the change will take place from the first day of the following month (if the date falls on the 1st of the month, that month).

Until the age of 64, the burden is uniformly 10%.
If you reach the age of 65 and your contribution ratio changes, it will change from the first day of the month following your birth month (if your birthday falls on the 1st of the month, that month). (The copayment ratio and the applicable period are written together on the ratio certificate.)