in january 1995, the government of helmut kohl introduced the social law xi 1, the german long term care insurance. it is an independent part of the social security in germany, in the "sozialgesetzbuch" and provides financial provision for the risk of care necessity. long-term care insurance was introduced as the fifth pillar of social insurance after health insurance, industrial injuries, pensions and unemployment insurance. this fifth pillar is financed by the care fund, which was built for all the individual health insurance policies.