Older people: What financial supports can help you in your daily life?

To supplement your income or allow you to have one

If you are a retired person living in France on a stable basis and with low income and wealth, you can benefit from Solidarity allowance for the elderly (Aspa). This monthly benefit is paid by your pension fund. The amount varies depending on whether you live as a couple or not. As a general rule, you must be at least 65 years old to receive the Aspa, but there are exceptions (veterans, disabled or disabled persons...).

If you do not receive a retirement pension and your application for Aspa has been rejected, you can take advantage of simple home care allowance for the elderly. Depending on the amount of your resources, this allowance may be granted at a full rate or at a reduced rate. At full rate, the allowance is €1,012.02 per month for a single person and €1,571.16 per month for a couple.

If you are disabled and have not yet reached the age of eligibility for the old-age solidarity allowance, you can take advantage of supplementary invalidity allowance (Asi), according to your income. The situation varies depending on whether you live as a couple or not. For example, if you live alone, the amount of Asi paid each month is equal to the difference between €899.56 and the amount per month of your income taken into account. If you live as a couple, only you receive the Asi and the other member of your couple does not receive the solidarity allowance for the elderly, the maximum amount paid each month is equal to the difference between €899.56 and the minimum amount of the invalidity pension (€328.07), i.e. €571.49 per month.

To pay your rent

If your dwelling is contracted (a dwelling that is the subject of an agreement between the State and the owner or body managing the dwelling), you can benefit from personalized housing assistance (CHA) if you meet certain conditions (conditions related to your situation, resources and housing). The amount of the LPA is calculated according to scales that take into account various elements (number of dependants usually living in your household, amount of your resources, amount of your rent...).

If you are not eligible for personalized housing assistance, you can ask social housing allowance (SLA). As with the LPA, the amount of the ESL is calculated according to scales that take into account various elements (your family situation and the number of dependants usually living in your household, your resources, the amount of your rent...).

For your health expenses

If you have low resources, you can benefit from Complementary solidarity-based health (C2S). It covers what is not reimbursed by the Health Insurance, allowing you to get reimbursed the additional part of your health expenses. Depending on your income, C2S is free or paid for.

To perform household chores at home

If you have difficulty performing the main household tasks, you can get financial assistance to pay for home help. This person will come to your home to perform certain tasks (cleaning, laundry, preparation of meals on site...). You must meet certain age and resource requirements. As a general rule, you must be 65 years old to receive this financial assistance, but there are certain exceptions (if you are found unfit for work...).

If your health no longer allows you to do your own cooking or shopping, you can benefit from a financial assistance to pay for the porting of meals, meaning to receive hot, ready-to-eat meal trays at home. You can get this financial assistance from age 65, or from age 60 if you are deemed unfit for work.

If you are losing your autonomy, you can get Custom Autonomy Allocation (Apa) at home. This financial assistance is used to pay, in whole or in part, the expenses necessary to stay at home. Your needs are assessed by a health and social care team in your department, who go to your home to meet you.

To adapt your home to your loss of autonomy

If you want to make adjustments to your home in connection with your loss of independence, you can benefit, under certain conditions (including resources), from the assistance scheme MaPrimeAdapt'. This work may include:

• the installation of an electric stairlift;
• the layout of your bathroom with the installation of a grab bar;
• installing an access ramp to the entrance of your home;
• widening your front door;
• installation of elevated toilets.