{"id":15789,"date":"2015-11-17T13:09:03","date_gmt":"2015-11-17T12:09:03","guid":{"rendered":"https:\/\/pibgroupiberia.com\/?p=2672"},"modified":"2025-05-26T08:11:26","modified_gmt":"2025-05-26T06:11:26","slug":"the-growth-of-dependency-and-possible-solutions","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/en\/blog\/el-crecimiento-de-la-dependencia-y-posibles-soluciones\/","title":{"rendered":"The growth of dependency and possible solutions"},"content":{"rendered":"

Since the establishment of the Dependency Law<\/strong>, The Social Services Act, approved in 2006, was thought to address long-term care needs through the provision of these social services by the State and the Autonomous Communities.<\/p>\n

What is dependency?<\/h2>\n

Configured as the fourth pillar of the Welfare State, together with health, education and pensions, the law gives clear priority to the provision of services (prevention, telecare, home help, day and night centres and residential centres) and, on the other hand, considers that economic benefits should be exceptional.<\/p>\n

The autonomous communities and city councils are the ones who have to apply the law, they are immediately overwhelmed..<\/strong> It is not for nothing that there are already more than one million dependent people in Spain, 65 % of whom are women.
\nTherefore, despite the initial increase in benefits, there have already been financing problems<\/strong>.<\/p>\n

On the other hand, what is being done is to impose high user co-payments<\/strong> of these services, already amounting to 161TDP3T of the total service. The underfunding is reflected in the budget devoted to it: spending on dependency is less than 1% of GDP; while education spending, for example, is 4.9%.<\/p>\n

\"Grandfather<\/a><\/p>\n

Problems with dependency<\/h2>\n

In addition to the financing problems<\/strong>, are produced time delays for resolutions<\/strong> of the situation of dependency, as well as to proceed with the provision of services. Already 230,000 people are on the waiting list.<\/p>\n

If it is already difficult to receive public benefits, both welfare and financial, the final straw has been the requirement for non-professional carers to pay their own social security contributions. Until now, this has been paid by the administration, and this has meant that more than 90% have disappeared.<\/p>\n

For this reason, and in view of the fact that only 25% of people with a recognised disability in Spain have a recognised dependency, mechanisms have also been sought in the private sector to solve this unsustainable imbalance. Dependency insurance arose as a result of these difficulties.<\/p>\n

Insurance solution: long-term care insurance<\/h2>\n

In order to receive public dependency benefits, you have to go through two phases: first, the recognition of dependency and, second, the granting of the benefit. On the other hand, insurance companies, as soon as recognition of dependency is demonstrated, pay out the insured sum immediately, solving the serious problem of many families who have been waiting for more than three years for an efficient public response.<\/p>\n

In addition, premiums paid<\/strong> for these long-term care insurances, as is the case for contributions to pension plans, reduce the tax base<\/strong> of personal income tax<\/strong>, This saves on the payment of this tax and thus on insurance premiums.<\/p>\n

For all these reasons, given the reality of many families who:<\/p>\n

    \n
  • Even in a crisis situation, they have to decapitalise in caring for their elderly (either by paying for a nursing home: 1300-2000 \u20ac\/month, or by hiring staff to care for their relatives when they cannot), or<\/li>\n
  • Put aside their free time to take care of them.<\/li>\n<\/ul>\n

    This insurance can be a solution to this complicated situation, at a price that, up to the age of 55, does not reach 50 cents a day. If you are thinking about yourself, your parents or simply about how to avoid a future problem that could affect your loved ones, call us or write to us. We will inform you of the best long-term care insurance<\/span><\/strong> currently.<\/p>","protected":false},"excerpt":{"rendered":"

    Dependency is a serious problem in Spain today. We will see why and how solutions are being offered by the insurance market.<\/p>","protected":false},"author":14,"featured_media":15790,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[16],"tags":[216],"class_list":["post-15789","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-particulares","tag-dependencia"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15789","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/comments?post=15789"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/posts\/15789\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media\/15790"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/media?parent=15789"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/categories?post=15789"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/en\/wp-json\/wp\/v2\/tags?post=15789"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}