Care allowance for cross-border commuters
Cross-border commuters from Austria to Switzerland / Liechtenstein
Talking about care or the need for care is no fun and nobody likes to think about it. Nevertheless, anyone can become a care case, very quickly and regardless of age.
Care allowance for cross-border commuters
Current situation
Cross-border commuters residing in Austria and working in Switzerland or Liechtenstein are usually subject to foreign health insurance legislation.
In concrete terms, this means that the country of employment in this case, Switzerland/Liechtenstein, is responsible under social security law, regardless of which form of health insurance a cross-border commuter chooses. The country of employment therefore remains responsible even if you have opted for private or statutory health insurance in Austria.
It was agreed that in the event of long-term care, the state responsible for long-term care benefits is the same state that is responsible for health insurance. For cross-border commuters from Austria, Switzerland or Liechtenstein is therefore responsible.
What care benefits can I expect as a cross-border commuter?
In Switzerland or Liechtenstein, you are only entitled to care allowance if you also live in this country. Cross-border commuters who live in Austria and only work in Switzerland or Liechtenstein are therefore not entitled to care allowance. Cross-border commuters can only expect benefits in kind from the country of employment.
When is Austria responsible or responsible again?
Giving up work as a cross-border commuter
After giving up work abroad, Austria is only responsible for care benefits (care allowance) from the point at which the Austrian health insurance is responsible.
Example: A cross-border commuter residing in Vorarlberg terminates his employment in Switzerland and then begins employment in Vorarlberg. From the start of the new employment relationship in Vorarlberg, the responsibility for health insurance and therefore also for care benefits (care allowance) lies with Austria.
Receipt of an Austrian basic benefit
Persons in need of care who reside in Austria and receive an Austrian basic benefit (e.g. pension, retirement pension, annuity, rehabilitation allowance) are entitled to Austrian care allowance.
Persons who have already paid into the Austrian system before starting work as a cross-border commuter are entitled to an Austrian basic benefit, e.g. all persons who have already worked in Austria. However, it is also important to know that it usually takes a long time (approx. 2 years) for such an Austrian basic benefit to be recognized.
What about people who have never paid into the Austrian system?
Cross-border commuters living in Austria who have never paid into the Austrian system, for example because they come from Germany and became cross-border commuters when they moved to Austria, are definitely not entitled to Austrian care allowance.
Long-term care insurance for cross-border commuters
> Only claim for benefits in kind from Switzerland / Liechtenstein
> No entitlement to statutory care allowance
> Regardless of your choice of health insurance
> Supplementary insurance is necessary
> B-Quadrat helps you choose the right insurance
Our recommendation: Individual advice
Whether or not you are entitled to statutory care allowance from Austria as a cross-border commuter living in Austria and working in Switzerland or Liechtenstein is a very individual issue which we will be happy to discuss with you personally.
B-Quadrat is an independent insurance broker that has been dealing intensively with the topic of cross-border commuters since 2003. Our expertise in the area of cross-border commuters is your advantage, naturally also in the area of long-term care.
Arrange your desired appointment with one of our cross-border commuter experts today. We will be happy to discuss your situation with you in person, online or on the phone. We will then work out the optimum solution for you. You benefit from our independence and our access to all Austrian insurance providers.
Save yourself the hassle of making comparisons and benefit from our experience in the area of cross-border commuters and care.
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FOR NEW CROSS-BORDERS
Learn all about our services for cross-border commuters in just under 2 minutes.
Which long-term care insurance is best for cross-border commuters?
This question is not so easy to answer, as many individual factors, such as age, state of health and the desired level of cover, have an influence on this. We will discuss your situation and your needs with you over the phone, in person or online. Our cross-border commuter experts will then be able to search for and find the optimum product for you.
Tip: Don’t make a hasty decision to take out long-term care insurance! This is not always the best solution for a cross-border commuter in the area of long-term care. There are other products that also offer cover in the area of long-term care and may offer you better insurance cover and a more favorable premium. We would be happy to advise you free of charge and without obligation!
Best cross-border commuter advice incl. net salary calculation
> Free and non-binding advice since 2003
> Net wage calculation & practical tax tips
> Best and cheapest health insurance for cross-border commuters
> Help with choosing the right bank account
> Help with registering with the tax office and much more
Care: The underestimated risk of needing care
No other risk is underestimated or suppressed as much as the risk of needing long-term care. It is already estimated that over 50 percent of people will need long-term care at some point in their lives. Looking at demographic trends, these figures are probably still very optimistic.
In 2015, over 5 percent of the Austrian population were in need of care. This proportion means that every 4th family has to care for someone in their immediate vicinity. This care constantly incurs high costs, which leads to a lot of resentment, disputes and very often financial problems, especially in the case of long-term care needs.
Long-term care insurance is about having enough money to pay for care and support if you need it. Yes, we know the thought of you needing care at some point is probably a long way off, because now you are probably healthy, active and living life to the full. But that can change. Sometimes very quickly, sometimes very slowly, rarely never.
Any questions?
> Our experts will advise you free of charge and without obligation
> We can help you with all cross-border commuter issues
> We are there for you: on the phone, online or in person
