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Is Germany being unreasonable? Childfree adults paying more for elder care

355 replies

Fauxlein · 27/05/2026 10:44

"Childfree adults to pay more in elder care contributions — report
According to a report from German media group RND, federal Health Minister Nina Warken has prepared a draft bill that would have adults without children pay a higher percentage of taxes towards publicly-funded elder care.
The bill would have contributions from childfree adults increase by 0.7% over a period of years, meaning they would pay 2.5% of their income each month. Their employer will be expected to pay 1.8%. For adults with children the rates will remain the same: 1.8% for people with one child, 1.55% for people with two children, and 1.3% for people with three or more children.
Under the proposal, all adults over the age of 23 who are working full-time would be affected.
It is unclear when Warken, a member of Chancellor Friedrich Merz's center-right Christian Democrats (CDU), will submit the draft to the cabinet. Her ministry had originally said it would present a proposal for elder care reform in mid-May. With a long-stagnating birthrate mildly buoyed by immigration, Germany needs to act fast to make sure older generations can be taken care of without placing an undue burden on young people."

YABU - German Health Minister is being unreasonable, it's not kids responsibility to look after elderly parents and is unfair to penalise child free people
YANBU - this seems like a fair counterbalance to increasing costs to the state of elder care

Friedrich Merz

Friedrich Merz is the 10th chancellor of the Federal Republic of Germany. He is also the chairman of Germany's center-right Christian Democratic Union (CDU).

https://www.dw.com/en/friedrich-merz/t-60575802

OP posts:
Focacciaisyum · 02/06/2026 22:12

Nogimachi · 02/06/2026 20:30

The idea that everything costs more for a single person may be true when compared to a couple but it is emphatically not true when compared to a family - my expenses are higher on every single level when compared to those of my single friend, because I need to live in a larger home, it needs more beds and furniture, it needs to be warm, I need a car, if we go to a restaurant it costs upwards of £120 for a meal for four, if we go on holiday it has to be in school holidays and there are four of us, meaning it costs 4-5 times what my single friend has to pay. One school trip for one of my teenaged children probably costs the equivalent of her annual holiday.

Edited

Agree. I keep reading that its more expensive to be single. Its OBVIOUS that the DINK households have the most disposable income, but a family with 2 adults and 2 or more kids is definitely going to have less money spare on average than a single person alone

Nogimachi · 02/06/2026 20:30

Judevalentine · 27/05/2026 11:07

I’m curious if it’s a cultural issue who people expect to look after them. All my parents’ generation (I’m in my 60s) seem to think their kids should be closely involved in their care and send away carers, cleaners etc that have been organised for them despite their own incapacity but my generation all expect to manage their own care.

With that in mind I don’t think child free people should have to pay more. Often they are single and everything costs more per person - single supplements, taxis, utIlities. When I go away with my sister and her partner they pay £100 each and I pay £200. I have children (adults now) but I don’t think I should have paid less tax. If anything I was taking more out of the system in the child rearing days with maternity costs and benefits, child benefits, school costs, medical costs etc.

The idea that everything costs more for a single person may be true when compared to a couple but it is emphatically not true when compared to a family - my expenses are higher on every single level when compared to those of my single friend, because I need to live in a larger home, it needs more beds and furniture, it needs to be warm, I need a car, if we go to a restaurant it costs upwards of £120 for a meal for four, if we go on holiday it has to be in school holidays and there are four of us, meaning it costs 4-5 times what my single friend has to pay. One school trip for one of my teenaged children probably costs the equivalent of her annual holiday.

Mumsntfan1 · 01/06/2026 19:11

igelkott2026 · 01/06/2026 17:04

It's the same in France, I assume it's a Napoleonic thing.

Agree it's simply wrong. People should be responsible for themselves, not expect and be expected to get their kids to pay for them. And it's not like Germans in particular don't earn well and don't save a lot (the average gross salary is about £8000 a year more than in the UK).

Although I always wonder how they manage to pay the high rents once they retire. And I think that is becoming an increasing issue.

The average gross salary is higher that the UK but we pay a lot more in tax and social contributions. Also parents can't decide that their childen won't inherit from them. The whole system is different.

Igneococcus · 01/06/2026 17:30

JHound · 01/06/2026 17:06

In terms of being able to force kids to pay for elder care - what of those elderly whose children have migrated? How does Germany manage those cases.

I migrated, but I would still have contributed my share if it would have come to that, in the end it didn't. My mother died before her savings ran out. I wouldn't have left my siblings to deal with it on their own just because I left the country. I mean it wouldn't ever have been an enormous amount, the bulk of care home costs were covered by my mother's Pflegegeld and pension.
On the plus side, there are also laws about inheritance that mean you can't get disinherited (except in exceptional circumstances). I will inherit my exact share of what is left of my parents possessions once the Erbschein has been issued.

JHound · 01/06/2026 17:27

Fridgemanageress · 01/06/2026 17:18

This is one of those rare times where you think, thank God we are the U.K. and not the EU. Let Germany do what they like, but why penalise people who for whatever reason do not have children.

We will go the same way I am sure. The veneration of parents as supreme contributors to society (as if people have kids because they want to benefit society) already happens (even here. And the denigrating of people without children happens too. So we will get there.

Fridgemanageress · 01/06/2026 17:18

This is one of those rare times where you think, thank God we are the U.K. and not the EU. Let Germany do what they like, but why penalise people who for whatever reason do not have children.

Trivium4all · 01/06/2026 17:17

JHound · 01/06/2026 17:06

In terms of being able to force kids to pay for elder care - what of those elderly whose children have migrated? How does Germany manage those cases.

They can still ask you to pay. Just how far they would go to enforce it, I don't know, but I have a friend for whom this was a question.

JHound · 01/06/2026 17:11

TennisLady · 28/05/2026 21:32

I don’t understand why they don’t make it easier for parents if the country is so reliant upon birth rates. It’s no the wonder so many are choosing to be childfree.

I don’t think most without children actively wanted that. Most are involuntarily childless.

JHound · 01/06/2026 17:08

Xnz2022 · 28/05/2026 15:54

So many people who struggle to understand how societies are maintained.

"I have a private pension and my own money, and I pay more for other people's children!"

Your pension is worth 0. Nothing, unless there is a young generation to keep the country and the economy running when you are old. Without that, whatever pot of cash you have will be worth nothing after an economic or worse societal collapse.

There seems to be this idea that birthrates don't impact society.. and therefore it can go down, and the economy will be fine.. it can go down and climate change will be better.. nothing bad will happen. Because? Immigration? Except those countries also have falling or slowing birth rates... Because AI? That isn't exactly a dream scenario.

The reality is everyone, with or without children, needs the next generation. There are no exceptions, it doesn't matter how rich or idependant you are. You need a future capable generation.

That is why everyone pays for it.

Parents pay more, hugely more, because they choose to. Both financially and in labour. Those without children will enjoy the rewards of the stable society maintained by that labour. There is nothing wrong with that, there are plenty of other societal roles as well as raising children, and some people can't. Nothing wrong with it, except it does need to be acknowledged that parents make a huge contribution to the future of any nation.

In the case of Germany? Good, it sounds like they are a few steps ahead of the uk. We currently are facing a future of elderly care that we won't be able to fund. What are we going to do about it? Maybe not this, but over the next few decades there will need to be changes, and I wouldn't be surprised if they include children being forced to take on more responsibility for their parents. And for those without children, the state.

That sounds like a ponzi scheme. Those children also get old and we cannot have neverending population growth. Lower birthrates are the new norm and it’s time we accepted that and planned for the new normal.

JHound · 01/06/2026 17:06

In terms of being able to force kids to pay for elder care - what of those elderly whose children have migrated? How does Germany manage those cases.

JHound · 01/06/2026 17:04

FraZles · 28/05/2026 13:30

I read your post OP and wondered whether the child free would have more disposable money, as they won't have had to fund bringing up children...which is incredibly expensive.

Really not that much extra - especially if you are low paid / lifelong single.

People would be surprised that we aren’t generally rolling around in cash. But also while we may not have childrearing fees we also pay for things we personally will never be able to make use of.

igelkott2026 · 01/06/2026 17:04

JHound · 01/06/2026 17:01

The idea of people being required to contribute financially to the care of abusive parents is truly batshit.

It's the same in France, I assume it's a Napoleonic thing.

Agree it's simply wrong. People should be responsible for themselves, not expect and be expected to get their kids to pay for them. And it's not like Germans in particular don't earn well and don't save a lot (the average gross salary is about £8000 a year more than in the UK).

Although I always wonder how they manage to pay the high rents once they retire. And I think that is becoming an increasing issue.

JHound · 01/06/2026 17:01

Mumsntfan1 · 28/05/2026 10:04

You would pay for your parents unless you were adopted by your grandparents.

The idea of people being required to contribute financially to the care of abusive parents is truly batshit.

JHound · 01/06/2026 16:59

Awfulinlaws · 27/05/2026 20:43

Unfortunately 100 per cent agree on this.

“What’s way more unpleasant is the sentiment bubbling under the surface that the ‘wrong people’ are having kids (or not), ie too many uneducated forriners procreating and not enough highly educated ‘real Germans’. That’s the real ethical issue here.“

There have been massive changes in levels of racism in the past decade. Not just those who respond to AFD dog whistles. First it was snide comments and hidden messages about ‘problems with our friends from x, y and z countries’. Now it has escalated to people who will openly make statements about German behavior being superior, compared to ‘all the problems caused by people from x, y and z’. The statistics show this too. https://www.dw.com/en/in-germany-discrimination-is-on-the-rise/a-72772311

It’s not just a German thing but everywhere in Europe (including the UK.)

I don’t have an issue with saying clearly that I don’t think all families produce good children. But that’s more and issue of socio-economic status / education rather than whatever nonsense the ethno-nationalists come out with.

TennisLady · 28/05/2026 21:32

I don’t understand why they don’t make it easier for parents if the country is so reliant upon birth rates. It’s no the wonder so many are choosing to be childfree.

StarlingTheConqueror · 28/05/2026 17:06

Yes that’s what I meant.

The IF referred to the IF in your previous post

Mumsntfan1 · 28/05/2026 17:00

StarlingTheConqueror · 28/05/2026 16:58

Note the IF.
It’s not a case of having to have private insurrance. And no one there is getting bankrupt by health costs, unlike so many people the USA.

I don’t think they ‘moved away from everyone paying fir everything’ as you’d like it to be.

Not at all. We pay way more than in the UK.

StarlingTheConqueror · 28/05/2026 16:58

GlobalTravellerbutespeciallyBognor · 28/05/2026 16:13

That very interesting, thanks, so they have already moved away from everyone paying for everything irrespective of choices.

Note the IF.
It’s not a case of having to have private insurrance. And no one there is getting bankrupt by health costs, unlike so many people the USA.

I don’t think they ‘moved away from everyone paying fir everything’ as you’d like it to be.

Mumsntfan1 · 28/05/2026 16:28

GlobalTravellerbutespeciallyBognor · 28/05/2026 16:13

That very interesting, thanks, so they have already moved away from everyone paying for everything irrespective of choices.

Yes, but we still pay a lot more in tax and insurances than in the UK.

GlobalTravellerbutespeciallyBognor · 28/05/2026 16:13

That very interesting, thanks, so they have already moved away from everyone paying for everything irrespective of choices.

Mumsntfan1 · 28/05/2026 16:08

GlobalTravellerbutespeciallyBognor · 28/05/2026 15:54

Very difficult to comment on this one without knowing it inside out BUT…as a general non specific point, I think the principle of everyone contributing to every item of expediture of the state probably a good one. Otherwise if penalising these childfree taxpayers, do you give them a refund for eg education services or paediatric healthcare that they aren’t using? (And then do you give private parents a refund too?)

In Germany if you have private health insurance you don't pay into the state system.

Mumsntfan1 · 28/05/2026 16:06

hahabahbag · 28/05/2026 15:54

If you look it at a different angle, they are discounting the elder care tax for those with children, think of it like child benefit. What isn’t clear is whether you still get the discount once your children are adults as I’ve seen both ways written, possibly lost in translation!

You get the discount for life when you become a parent.

GlobalTravellerbutespeciallyBognor · 28/05/2026 15:54

Very difficult to comment on this one without knowing it inside out BUT…as a general non specific point, I think the principle of everyone contributing to every item of expediture of the state probably a good one. Otherwise if penalising these childfree taxpayers, do you give them a refund for eg education services or paediatric healthcare that they aren’t using? (And then do you give private parents a refund too?)

hahabahbag · 28/05/2026 15:54

If you look it at a different angle, they are discounting the elder care tax for those with children, think of it like child benefit. What isn’t clear is whether you still get the discount once your children are adults as I’ve seen both ways written, possibly lost in translation!

Xnz2022 · 28/05/2026 15:54

So many people who struggle to understand how societies are maintained.

"I have a private pension and my own money, and I pay more for other people's children!"

Your pension is worth 0. Nothing, unless there is a young generation to keep the country and the economy running when you are old. Without that, whatever pot of cash you have will be worth nothing after an economic or worse societal collapse.

There seems to be this idea that birthrates don't impact society.. and therefore it can go down, and the economy will be fine.. it can go down and climate change will be better.. nothing bad will happen. Because? Immigration? Except those countries also have falling or slowing birth rates... Because AI? That isn't exactly a dream scenario.

The reality is everyone, with or without children, needs the next generation. There are no exceptions, it doesn't matter how rich or idependant you are. You need a future capable generation.

That is why everyone pays for it.

Parents pay more, hugely more, because they choose to. Both financially and in labour. Those without children will enjoy the rewards of the stable society maintained by that labour. There is nothing wrong with that, there are plenty of other societal roles as well as raising children, and some people can't. Nothing wrong with it, except it does need to be acknowledged that parents make a huge contribution to the future of any nation.

In the case of Germany? Good, it sounds like they are a few steps ahead of the uk. We currently are facing a future of elderly care that we won't be able to fund. What are we going to do about it? Maybe not this, but over the next few decades there will need to be changes, and I wouldn't be surprised if they include children being forced to take on more responsibility for their parents. And for those without children, the state.