Demographic aging puts social insurance systems under immense pressure as frailty risks
increase with age. The statutory long-term care insurance in Germany (GPV), whose society
has been aging for decades due to low fertility and decreasing mortality, faces massive future
pressure. The present study presents a stochastic outlook on long-term care insurance in Germany
until 2045 by forecasting the future number of frail persons who could claim insurance
services by severity level with theory-based Monte Carlo simulations. The simulations result
in credible intervals for age-, sex- and severity-specific care rates as well as the numbers of
persons for all combinations of age, sex and severity by definition of the GPV on an annual
basis. The model accounts for demographic trends through time series analysis and considers
all realistic epidemiological developments by simulation. The study shows that increases in
the general prevalence of disabilities, especially for severe disabilities, caused by the demographic
development in Germany are unavoidable, whereas the influence of changes in agespecific
care risks does not affect the outcome significantly. The results may serve as a basis
for estimating the future demand for care nurses and the financial expenses of the GPV.
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