Applying for long-term care insurance: step by step
Who is entitled, which documents to send, how the assessment works and what to do if you disagree.
Who is entitled?
Anyone insured with the CNS and their co-insured family members, whatever their income. Two conditions must be met:
- needing at least 3.5 hours of help a week with the essential activities of life (washing, toileting, eating, dressing, moving around);
- the need lasting at least 6 months or being permanent.
Cross-border workers insured in Luxembourg receive the cash benefits from Luxembourg; care in kind depends on the health fund of their country of residence.
The application in 3 steps
- Fill in the form "Demande de prestations de l’assurance dépendance" (in French or German, on guichet.lu).
- Ask your GP to fill in the R20 medical report. It is free for you.
- Post both documents to: Caisse nationale de santé – Assurance dépendance, B.P. 1023, L-1010 Luxembourg. The application is only complete once the CNS has received both.
The assessment
A health professional from the AEC (Administration d’évaluation et de contrôle) meets you: at home, at their offices or at the care home. They look at what the person can still do alone and ask questions, if needed also of a relative. A case officer then follows the file.
The decision
The CNS decides based on the AEC’s opinion and sends the decision to the person and the care provider. If the need is recognised, benefits are due at the earliest from the day the complete application arrived, so send it as soon as possible.
Disagree?
- Object to the CNS board of directors by letter within 40 days.
- Then appeal to the social security arbitration council (Conseil arbitral) within 40 days; a simple letter is enough.
- A new assessment can normally be requested one year after the last decision, or sooner if the situation changes a lot.
Contact: CNS – Assurance dépendance, tel. 27 57 44 55 (working days, 8.00 – 16.30), assurancedependance@secu.lu.
Sources
Checked on 26.10.2026. This page does not replace official advice.