Korea Disability Activity-Support Copay and Private Care Calculator

Estimate the 2026 Korean activity-support copay, public-service limit use, remaining care hours, private-care quote, and monthly household cost across three coverage scenarios.

Monthly public activity support and private-care budget

Defaults use a Band 13 grant and an illustrative private-care quote. Replace them with the decision notice and an actual quote.

1. Decision notice and copay
2. Public schedule and total care need
3. Private-care quote and coverage plan

Selected monthly result

2026-01-01

Monthly cash burden

KRW 1,453,000

Applied public copay

KRW 83,000

Private-care cost

KRW 1,370,000

Unmet care hours

40 hours

Planned public hours

100 hours

Simple 12-month total

KRW 17,436,000

Copay calculation

2026 formula estimate
KRW 83,000
Applied public copay
KRW 83,000
Notice-entry difference
KRW 0
Selected cap
KRW 216,200

Public activity-support cost

Confirmed total grant
KRW 2,076,000
Planned service cost
KRW 1,727,000
Service cost within grant
KRW 1,727,000
Full payment above grant
KRW 0
Grant balance after plan
KRW 349,000

Compare private-care coverage levels

Compare private-care coverage levels
ScenarioPrivate coveragePrivate hoursUnmet hoursPrivate costMonthly cash burden
Public + family only0%0 hours100 hoursKRW 0KRW 83,000
★ Selected private shareSelected60%60 hours40 hoursKRW 1,370,000KRW 1,453,000
100% private gap coverage100%100 hours0 hoursKRW 2,250,000KRW 2,333,000

Selected time and cost allocation

Public hours applied to care need
100 hours
Gap after public hours
120 hours
Applied family hours
20 hours
Gap before private care
100 hours
Private regular-hours cost
42 hours · KRW 840,000
Private night-hours cost
12 hours · KRW 300,000
Private holiday-hours cost
6 hours · KRW 180,000

Full private-care comparison without public support

Full private care after family hours, no public support
KRW 4,450,000
Public + family + 100% private gap coverage
KRW 2,333,000
Monthly difference at full coverage
KRW 2,117,000

This budget comparison assumes identical private rates and time shares. A positive difference means the public-support mix has the lower cash burden.

Items to confirm

  • The decision notice is not marked as confirmed. Reconcile the monthly grant, copay category, and special grant with the notice.
  • Planned service cost is below the confirmed grant. The displayed balance is not a refund; confirm carryover, advance use, and refund handling.
  • The private-care quote is not confirmed. Defaults are illustrative, not a national market average.
  • The selected mix leaves unmet care hours. Coordinate actual availability separately with the local office, provider, and family.

Related calculators

Build one monthly plan from Korea's public activity-support benefit and private care

A Korean disability activity-support decision notice states a monthly benefit limit and a beneficiary copay, but those two amounts do not show whether every required care hour is covered.
A practical household budget must also account for the hours a provider can actually schedule, family availability, private-care quotes, night or holiday surcharges, and any hours that remain uncovered.

This calculator combines those layers without deciding eligibility.
It estimates the statutory copay, planned public-service cost, any amount above the confirmed benefit limit, the remaining care gap, private-care cost, total monthly cash outflow, and three private-coverage scenarios.

Use this page after you have a decision notice

  • Copy the ordinary activity-support limit and the copay category or exact copay from the notice.
  • Ask the support provider which regular, night, and holiday hours can actually be staffed.
  • Enter a written private-care quote, including surcharges and recurring extras.
  • Compare no private coverage, the selected coverage share, and full gap coverage.
  • Take the uncovered-hour result to the local service center, NPS, or provider consultation.

What this calculator includes and excludes

Public activity support

This is the social-service electronic-voucher program under Korea's Act on Activity Assistant Services for Persons with Disabilities.
The calculator uses the confirmed monthly limit and planned service hours.

Family availability

Family hours reduce the planning gap only.
They are not treated as paid activity-support service or valued as wages in this calculator.

Private care

Private care is a separate household contract with no single national price.
Its hourly price, surcharge definitions, transport, matching, meals, and cancellation terms must come from an actual quote.

Scope boundary: This tool does not calculate a comprehensive-assessment score, decide eligibility, assign a benefit band, approve an exceptional grant, recommend a provider, or determine whether a family member may work as a paid activity assistant.
It also does not combine Korea's separate Long-Term Care Insurance family-care or facility benefits.

Official 2026 activity-assistance prices

MOHW Notice No. 2025-226 took effect on January 1, 2026.
The National Pension Service activity-support portal lists KRW 17,270 per hour for ordinary activity assistance and KRW 25,900 per hour for service between 22:00 and 06:00, on public holidays, or on Labor Day.

Official 2026 Korean disability activity-assistance hourly prices
Time categoryWhen it appliesHourly price
OrdinaryOrdinary daytime serviceKRW 17,270
Night22:00 through 06:00KRW 25,900
HolidayPublic holiday or Labor DayKRW 25,900

The 15 monthly ordinary benefit bands

The official schedule links a comprehensive-assessment band to an ordinary monthly activity-support limit.
Use the quick selector only to copy the amount shown on your notice; this calculator does not score or assign the band.

Official 2026 ordinary monthly activity-support limits for bands 1 through 15
BandAssessment scoreMonthly limit
Band 1465 or moreKRW 8,293,000
Band 2435 to below 465KRW 7,774,000
Band 3405 to below 435KRW 7,257,000
Band 4375 to below 405KRW 6,739,000
Band 5345 to below 375KRW 6,221,000
Band 6315 to below 345KRW 5,703,000
Band 7285 to below 315KRW 5,181,000
Band 8255 to below 285KRW 4,665,000
Band 9225 to below 255KRW 4,148,000
Band 10195 to below 225KRW 3,629,000
Band 11165 to below 195KRW 3,112,000
Band 12135 to below 165KRW 2,593,000
Band 13105 to below 135KRW 2,076,000
Band 1475 to below 105KRW 1,558,000
Band 1542 to below 75KRW 1,040,000

Official-page cross-check: One cell in the upper MOHW grant table displays KRW 1,004,000 for Band 15, but the copay table on the same page uses KRW 1,040,000 and shows KRW 41,600 at 4 percent.
The NPS specialist portal also lists KRW 1,040,000, so the calculator uses the amount supported by those two consistent official tables.
Enter the decision-notice amount directly if the individual notice differs.

How the statutory copay is estimated

Article 33 of the Act authorizes an income-linked beneficiary payment and exempts eligible livelihood or medical-aid recipients.
Article 23 of the Enforcement Decree uses health-insurance contribution information, while Article 37 and Annex 6 of the Enforcement Rule provide the detailed method.

Korean disability activity-support copay categories used in the calculator
Confirmed categoryRate or amountCalculator treatment
Livelihood or Medical Aid recipientKRW 0Ordinary grant copay exempt
Confirmed flat-payment categoryKRW 20,000Use only when stated on the notice
Confirmed income tier4%, 6%, 8%, or 10%Truncate below KRW 100, then apply the cap
Exceptional support grantKRW 0Excluded from ordinary-grant copay formula

Standard 2026 cap

The standard monthly cap is KRW 216,200, equal to 7 percent of the 2026 National Pension A-value of KRW 3,089,062 after the applicable rounding rule.

Legacy-assessment cap

NPS separately lists KRW 154,400 for certain recipients under the former recognition assessment.
Select it only after confirming that status on the notice or with NPS.

Worked copay example

Band 13 has a monthly ordinary limit of KRW 2,076,000.
At 4 percent, the raw amount is KRW 83,040, which becomes KRW 83,000 after truncating the amount below KRW 100.
If the decision notice shows another amount, enable the direct-notice override and use the confirmed figure.

Calculation sequence and formulas

  1. Estimate the statutory copay. Apply the selected exemption, flat amount, or income rate to the ordinary grant, then apply truncation and the selected cap.
  2. Price the planned public schedule. Multiply regular hours by KRW 17,270 and night or holiday hours by KRW 25,900.
  3. Separate benefit-limit excess. Planned public-service cost above the ordinary plus exceptional limit is shown as full household payment, not as voucher support.
  4. Find the care gap. Subtract planned public-service hours and available family hours from total monthly need, never going below zero.
  5. Allocate private care. Apply the chosen coverage share to the gap and split those private hours into ordinary, night, and holiday shares.
  6. Add cash costs. Combine the applicable public copay, public-limit excess, private hourly charges, and recurring private extras.

Private-care formula

Ordinary cost = ordinary private hours × quoted hourly price.
Night cost = night private hours × quoted hourly price × (1 + night surcharge).
Holiday cost = holiday private hours × quoted hourly price × (1 + holiday surcharge).
Private monthly cost = ordinary cost + night cost + holiday cost + recurring extras.

Worked monthly plan: Band 13 and 60 percent private gap coverage

Assume a Band 13 ordinary grant of KRW 2,076,000, a confirmed 4 percent category, 100 ordinary public-service hours, 220 total required hours, and 20 family hours.
The public schedule costs KRW 1,727,000 and leaves 120 care hours after public service, or 100 hours after family availability.

Selected private quote

  • Cover 60 percent of the 100-hour gap, or 60 private hours.
  • Quote KRW 20,000 per hour.
  • Allocate 70 percent ordinary, 20 percent night, and 10 percent holiday.
  • Apply a 25 percent night surcharge and a 50 percent holiday surcharge.
  • Add KRW 50,000 in recurring monthly extras.

Result

  • 42 ordinary hours cost KRW 840,000.
  • 12 night hours cost KRW 300,000.
  • 6 holiday hours cost KRW 180,000.
  • Private care totals KRW 1,370,000 after extras.
  • Total monthly cash outflow is KRW 1,453,000 after adding the KRW 83,000 copay.
  • 40 hours remain uncovered.
Private gap-coverage scenario comparison for the worked example
ScenarioPrivate hoursUncovered hoursMonthly cash outflow
Public plus family only0100KRW 83,000
Selected 60 percent coverage6040KRW 1,453,000
Full private gap coverage1000KRW 2,333,000

Under the same private quote, covering all 200 non-family hours without any public support would cost KRW 4,450,000.
The KRW 2,117,000 difference versus the public-plus-full-private-gap scenario is a planning comparison, not a cash benefit or guaranteed economic gain.

How to interpret the result safely

Public-service cost is not cash received

The planned public-service cost is the voucher value consumed by the schedule.
An unused balance is not generally a cash refund and may be affected by month-end, absence, linkage, or payment rules.

Limit excess is different from the copay

Article 33 requires the recipient to bear service cost above the monthly benefit limit in full.
The result therefore separates statutory copay from planned public-service cost above the confirmed limit.

Hours and money answer different questions

A low monthly payment can still leave unsafe uncovered hours.
Review the cash total and uncovered-hour result together before choosing a schedule.

Provider capacity matters

Dividing the benefit limit by an hourly rate does not guarantee staff availability.
Enter only the schedule a contracted provider says it can deliver.

Quote checklist and planning cautions

  • Replace the private hourly default with a written quote; it is neither an official average nor a recommended price.
  • Confirm the work scope, minimum booking unit, two-person assistance, night and holiday definitions, travel, meals, matching, cancellation, and recurring fees.
  • Do not double-count official activity-assistant long-distance travel support as an ordinary beneficiary charge.
  • Do not convert the notice limit into guaranteed hours without checking the provider's actual schedule and billing unit.
  • Keep night and holiday shares mutually exclusive unless the private contract expressly stacks both surcharges.
  • Do not use uncovered-hour output as a safety assessment; urgent supervision and medical needs require professional planning.
  • Check provider qualifications, employment status, accident responsibility, complaints, and contract termination separately.

Frequently asked questions

Can the calculator derive my income tier from a health-insurance premium?

No.
The law uses insurance-contribution information, but household composition and administrative classification still require an official determination.
Select only the category confirmed by the notice, community service center, or NPS.

Is the exceptional support grant charged at 4, 6, 8, or 10 percent?

No.
The official guidance exempts exceptional support grants from the ordinary copay calculation, so the calculator applies the rate only to the ordinary grant.

Which cap should I choose?

KRW 216,200 is the standard 2026 cap.
Choose KRW 154,400 only when NPS or the decision notice confirms the former-recognition-assessment treatment.

Does an unused voucher balance return as cash?

The remaining amount is unused benefit capacity, not a cash refund in this calculation.
Confirm any month-end or individual payment treatment in the electronic-voucher record and with the responsible agency.

What if the calculated copay differs from my notice?

The decision notice, electronic-voucher history, and provider claim are authoritative for the individual case.
Enable the exact-copay override for budgeting and ask the community service center or NPS to explain the category or cap difference.

Official sources and update basis

These laws, official pages, and the current law.go.kr records were rechecked on August 21, 2026.
Recheck the calculator when the hourly schedule, band limits, National Pension A-value, or copay rules change.

Turn the notice and real quotes into a care schedule

Start with the confirmed ordinary grant and copay, then enter only the public hours a provider can staff, family availability, and a written private-care quote.
Compare the three coverage scenarios and use both the monthly cash total and uncovered-hour result in your next consultation.