To remedy this, there is therefore an allowance for home support for an elderly parent: the APA (personalized autonomy allowance) which can be used to pay all or part of the expenses necessary to stay at home, but also to contribute to the payment of part of the dependency tariff of an establishment such as an Ephad, in which the person is accommodated.
In deciding on home support for the elderly, the pros and cons should be considered. The main advantage is the well-being of the person who does not feel uprooted and therefore does not face the loss of his bearings. On the other hand, there is a risk that, despite the intervention of caregivers and caregivers, the person will feel isolated. The price can also be a brake in the event of strong dependence.
Dependence, loss of autonomy: what solutions?
People with loss of autonomy need support. They can be based on the compensatory allowance for a third party intended for the family caregiver (or any other worker), which in 2006 became the PCH (disability compensation benefit), as well as the personalized autonomy allowance and long-term care insurance.
How much is the APA?
The personalized autonomy allowance, the APA, is assistance subject to conditions of age, level of loss of autonomy and residence.
The request for a personalized autonomy allowance is made to the CCAS (or to the social action center of the city of Paris for residents of the capital).
To benefit from this assistance for the loss of autonomy, you must be over 60 years of age and have GIR 1, 2, 3 or 4. On the other hand, you must live:
- at his home ;
- at the home of a relative who accommodates the elderly person;
- with a welcoming family;
- in an independent residence.
The amount of APA, in 2020, when you stay at home, is at most:
- Gir 1: € 1,742.34
- Gir 2: € 1,399.03
- Gir 3: € 1,010.85
- Gir 4: € 674.27
The amount is revalued each year.
The family carer's allowance
The family caregiver for an elderly person is a loved one who gives time to the dependent senior to improve their daily life. The caregiver's field of action is vast. He can do a partial toilet in bed, take care of administrative procedures, prepare meals, do grocery shopping, housekeeping, etc.
Strictly speaking, there is no allowance for family carers. However, under certain conditions, the dependent person can pay their loved one through APA. On the other hand, it is possible to take family caregiver leave, which allows you to reduce or temporarily suspend your professional activity in order to devote yourself to your loved one.
Long-term care insurance
Beyond the APA, it is possible to take out long-term care insurance. This makes it possible to anticipate the loss of autonomy and thus obtain financial and human support to promote home care. This insurance also makes it possible to pay the cost inherent in an nursing home placement.
Finally, this loss of autonomy insurance can also provide support to the informal caregiver depending on the nature of the cover taken out.
The tariff for long-term care insurance varies according to the subscription age and the level of the desired pension.