Many people think the Long-term Care Act (Wlz) is always the best choice when care becomes heavier. That is not always the case. The Wlz and community nursing from your health insurance are two different laws, each with its own rules and costs. In this article we list the differences.
Community nursing (Zvw): no deductible, no contribution
Personal care and nursing at home are part of the basic health insurance package. A community nurse determines how much care you need. For this care you pay no deductible and no personal contribution: only your normal premium.
Long-term Care Act (Wlz): for permanent intensive care
The Wlz is meant for people who permanently need constant supervision or care nearby 24 hours a day, and whose situation will not improve. The CIZ assesses the application. This usually takes about six weeks.
Under the Wlz you pay a personal contribution
Everyone receiving Wlz care pays a personal contribution to the CAK, based on income and assets. If you live at home, the low contribution usually applies. Even so, it can be a monthly amount, while community nursing costs you nothing. So calculate it beforehand with the calculator on the CAK website.
Please note: as soon as Wlz care starts, care through your health insurance stops.
When is the Wlz worth considering?
- you fall repeatedly;
- you become disoriented or get lost;
- you also need someone at night;
- you can no longer safely be alone, not even for a few hours.
Do you recognise this, and does it stay that way? Have it recorded in your care plan and ask your GP to confirm it. That makes the application stronger.
Need more care, but no Wlz (yet)?
If you need more care than assessed, the community nurse can make a new assessment. This is often the fastest and cheapest route.
We work it out with you
Not sure? Take the free care check or contact us. RytelZorg sets out the options for you free of charge, in Voorburg, Leidschendam, Wassenaar and The Hague. Call us on 06 14 97 58 70.