Abstract
The tense financial situation of social care insurance will worsen significantly as the baby boomers reach the age when they will need care. In order to avoid placing an even greater burden on contributors, reforms should focus primarily on the expenditure side. To this end, benefits should be reviewed and prioritized, and parallel financing structures should be eliminated. Pay-as-you-go financing should be stabilized through greater capital coverage. In addition, it makes sense to cover co-payments through private supplementary insurance. Simplified and standardized regulation of the long-term care sector can also reduce costs and, as a result, co-payments.