Moving with a care grade: Pflegekasse pays up to €4,180

Many families don't know this: if a care grade (Pflegegrad) has been assessed, the long-term care insurance (Pflegekasse) can subsidise a move – with up to €4,180. For a move within Berlin, that often covers most of the cost. The catch: you have to apply beforehand.

The legal basis in one sentence

Under § 40(4) SGB XI, the Pflegekasse can grant subsidies for measures that improve the living environment of a person in need of care – if this makes care at home possible, much easier, or allows a more independent life again. A move into a more suitable home can be such a measure.

Who qualifies

• A care grade has been assessed – grade 1 is enough.
• Care takes place at home (including the new flat, assisted living or a shared senior flat).
• The new home is better suited to care than the old one.

Typical reasons care insurers accept

• The old flat is on the fourth floor without a lift; the new one has a lift or is on the ground floor.
• The new flat is accessible: no thresholds, walk-in shower, wider doors.
• The new flat is close to the relatives providing care, or to the care service.
• A move into a senior flat or assisted living.

The Pflegekasse decides case by case – it's a discretionary benefit. The more concretely you explain why care will be easier in the new home, the better.

The application step by step

1. Sort out the care grade. Without an assessment notice, apply for a care grade with the Pflegekasse first.
2. Get a cost estimate. We survey for free – on site or by video – and send a written quote.
3. Submit an informal application: name, insurance number, cost estimate and a short justification. Many insurers also have their own form.
4. Wait for approval. Only then fix the moving date.
5. Move, then submit the invoice to the Pflegekasse.

What the subsidy covers – and what it doesn't

The cost of the move itself is covered: team, transport, packing and unpacking, furniture assembly. Clearing the old flat is a separate service; whether the Pflegekasse contributes to it is decided case by case. Ask about it explicitly in the application.

Common questions from relatives

• Can I apply on behalf of my mother? Yes, with a power of attorney or as her legal guardian.
• Does the amount depend on the care grade? No. It depends on the cost of the measure, €4,180 per person at most.
• Can you get the subsidy more than once? It applies per measure. If the care situation changes fundamentally later, a new measure can be subsidised – the insurer decides.