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Mahdi Barzkar
Owner and insurance broker authorised under section 34d(1) of the German Trade Regulation Act · Register number D-H3YB-K7WLO-18.
Planning for a new stage of life
Prepare for retirement and possible care needs
Retirement changes income, daily life and often priorities. A structured inventory can make financial questions and organisational tasks visible early.
Compare income and spending
Statutory or workplace pensions, private payments and assets are examples of possible income. Housing, health, leisure, support and reserves may appear on the spending side.
Review payment routes and flexibility
Existing provision can have different rules for start, duration, lump-sum options, taxation or inheritance. These points require a contract-specific review and, where appropriate, tax or legal advice.
Treat care as an organisational and financial topic
Care may affect both the person and relatives. Statutory benefits, assets, housing and family support belong in the orientation. Private supplementary long-term care insurance is one possible addition, but is not automatically suitable.
Organise documents and contacts
A list of contracts, important contacts and accessible documents can help in daily life. Powers of attorney and advance planning documents are legal topics and should be prepared or reviewed professionally where needed.
This content provides general orientation. Situations and benefits mentioned are examples; the specific need, policy terms and individual advice are decisive. It does not state a price, acceptance or cover decision.
Related guides
Frequently asked questions
Can future care costs be calculated exactly?
No. Need, duration, setting and costs are uncertain. Scenarios can provide orientation but are not predictions.
Does supplementary cover replace statutory long-term care insurance?
No. Depending on its terms, supplementary insurance can add agreed benefits; it does not replace the statutory system or automatically cover all costs.
Next step
Put your topic into context with us.
Send a short request without health or contract details. We will contact you to agree on the next step.