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European Patent Office. The European Patent Office. Serving industry and the public. Long Term Care Insurance. European patent Office. b_05/03_1. Overview. Compulsory or voluntary basis? Pr ocedure for determining the level of care Benefits Contributions Conclusion. - PowerPoint PPT PresentationTRANSCRIPT
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EPO- Staff Committee
EuropeanPatent Office
The EuropeanPatent Office
Serving industry and the public
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EPO- Staff Committee
Long Term Care Insurance
b_05
/03_
1
European patent Office
EPO – Staff Committee
Overview
1. Compulsory or voluntary basis?
2. Procedure for determining the level of care
3. Benefits
4. Contributions
5. Conclusion
EPO – Staff Committee
1. Compulsory or voluntary basis?
1. 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)
EPO – Staff Committee
1. Compulsory or voluntary basis?
2. Persons covered by VOLUNTARY insurance ( two categories):
1. 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.
EPO – Staff Committee
1. Compulsory or voluntary basis?
2. Persons insured voluntarily on an individual basis:
are those who wish to maintain insurance cover which may terminate (death of the insured person, resignation, etc..)
EPO – Staff Committee
2. 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.
EPO – Staff Committee
2. 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
EPO – Staff Committee
2. Level of careCriteria for assessing reliance
EPO – Staff Committee
2. Level of careThe 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)
EPO – Staff Committee
2. Level of careTime 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.
EPO – Staff Committee
2. Level of careOverall 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
EPO – Staff Committee
3. Benefits
Summary of the benefitsLevel of reliance Amounts
High50% of basic salary (C1/3)
Example Germany : € 1 109.94
Very High75% of basic salary (C1/3)
Example Germany: € 1 664.92
Total100% of basic salary (C1/3)
Example Germany: € 2 219.89
EPO – Staff Committee
4. 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 0.4%for the employees
• Based on a reserve fund
EPO – Staff Committee
4. 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
EPO – Staff Committee
5. Conclusion
1. Relatively new scheme introduced in July 2001
2. 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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EPO- Staff Committee
EuropeanPatent Office
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