Direct employment instead of a care company.
Up to ₪10,000 saved a year.

The benefit paid as cash to your account instead of agency hours. You choose the person, pay them directly and remain the employer — the paperwork, contract, agency registration and Bituach Leumi are ours.

Calculate my saving Full calculator

Worked example · level 5

Care company invoice9 100 ₪

Full cost under direct employment8 280 ₪

Difference per month820 ₪

Covered by the benefit5 175 ₪

Net cost to the family3 105 ₪

Over a year, ₪9,850 stays with the family

An estimate, not an offer. Figures as of April 2026.

Three ways to arrange the same care

The same caregiver, the same benefit. The difference is who holds the contract and who takes a margin.

	Care company	Direct, on your own	Direct, with us
Who finds the caregiver	The company, from its own pool	You	Us, from an open database
Choice of the specific person	Limited	Full	Full
Who handles the paperwork	The company	You	Us
Who runs payroll	The company	You	Us
Holiday cover	Whoever is left over	Your problem	Booked in advance
Your time	Minimal	A great deal	Minimal
Total monthly cost	30–60% higher	Lowest	Lower than the company

What the cash benefit is

The Bituach Leumi long-term care benefit can be taken in two forms: as services, where a care company sends a worker for a set number of hours, or as cash paid into the recipient's bank account so the family employs someone directly. The second is almost always better value, because you are not paying the company's margin.

Five conditions

The recipient is an Israeli resident at retirement age or above
A dependency level has been assessed by Bituach Leumi
The caregiver works at least six days a week and at least twelve hours a day, is over 18 and is not a family member
A foreign worker must be registered with a licensed private agency and hold a Ministry of Interior work permit
A written employment contract sets out the hours and the pay

Benefit by level

Level	ADL points	Foreign worker	Israeli worker
1	2.5 – 3	₪1,659	₪1,659
2	3.5 – 4.5	₪2,414	₪2,414
3	5 – 6	₪3,379	₪4,103
4	6.5 – 7.5	₪4,344	₪5,068
5	8 – 9	₪5,130	₪6,275
6	9.5 – 10.5	₪6,275	₪7,241

As of April 2025, source: Bituach Leumi form BL/2655. Indexed on 1 April each year. From level 3 upwards the benefit is higher when employing an Israeli worker — worth weighing up.

What we do for you

Check eligibility and the assessed level
File to switch the benefit to cash
Match a caregiver to the format you need
Register with a licensed agency — required by law
Draft the bilingual employment contract
Run payroll monthly, allowing for rest days, holidays and hospital stays
Track leave and remind you about visa and permit renewals
Calculate severance when the employment ends

Worth knowing. Registration with a licensed agency is required by law even if you found the caregiver entirely on your own: up to ₪2,000 once (VAT included) and up to ₪70 a month. That is a state-regulated payment, not our fee. Employing a foreign worker without a permit carries an administrative fine of ₪10,000 per worker and, in most cases, criminal proceedings.

Questions about direct employment

Is it legal?

Yes — it is an official Bituach Leumi route. What makes a situation illegal is employing someone without a work permit, which is why we verify status before any contract is signed.

Who is it for?

Families entitled to the long-term care benefit who have a permanent, legally employed caregiver. The five conditions are listed above.

How long does switching from a company take?

Three to five weeks on average: the Bituach Leumi application, the worker's paperwork, the first payroll run. Care continues throughout.

How much will we actually save?

Usually ₪800–1,200 a month, so ₪10,000–14,000 a year. The exact figure depends on the benefit level and what the company currently charges — the calculator will show yours.

What if the caregiver is not a fit?

Free replacement within the first three months, written into the contract.

Can I pay from abroad?

Yes. Invoiced in dollars, euros, pounds or shekels. We show in advance what goes to us, to the caregiver, and what Bituach Leumi covers.

We'll work out your case in one call

Tell us the benefit level and what the company charges now, and we will give you the difference in shekels and the steps to switch.

Request a caregiver

Direct employment instead of a care company.Up to ₪10,000 saved a year.