Schon bei Gründung der sozialen Pflegeversicherung vor nahezu 30 Jahren löste die Tatsache, dass sie nur als Teilkaskoversicherung konzipiert war, heftige sozialpolitische Debatten aus. Dem damaligen Bundesarbeitsminister Norbert Blüm (CDU) warf man vor, faktisch ein Erbenschutzprogramm entworfen zu haben. Er schone das Vermögen derer, die sich ihre Versorgung im Pflegefall aus eigener Tasche leisten könnten, hieß es. Auf der anderen Seite werde der begrenzte Leistungsumfang schon bald dazu führen, dass Einkommensschwächere wieder auf Hilfe zur Pflege, also das Sozialamt, angewiesen wären.
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