Few people know it, but the pension funds of the basic and supplementary scheme can provide their affiliates with assistance, particularly in terms of housing. From information to prevention, via technical or financial assistance for fitting out one's home, among other things, these organisations, thanks to a specific social action fund, have essential tools available to all retirees wishing to improve or adapt their living space.
The wish of most retirees is to be able to stay at home even as they age. Unfortunately, the loss of autonomy, illnesses or disabilities often make daily life difficult for the elderly, especially if they live alone.
However, in some cases, some adjustments to your home are possible to avoid having to leave and be forced to join a retirement home, for example.
In this area, the pension funds of the basic or supplementary scheme play an important role. Most, in fact, offer their affiliates various aids to improve the layout of their homes and be able to stay there.
Firstly, there may be aid in terms of information, i.e. prevention kits which inform retirees about the measures and technical arrangements that exist to improve and adapt their accommodation to suit of their state of health, and in order to prevent the loss of autonomy, or to facilitate movement in their home.
This may involve transforming a bathroom and toilet, replacing defective heating or having a new one installed, installing high-performance insulation, installing roller shutters, a remote alarm, grab bars, non-slip steps, etc.
All of this information is partly available on the pourbienvieillir.fr site made available by Public Health France in partnership with these pension organizations:Pension Insurance, CNRACL and MSA.
In addition to this information mission to improve housing, the pension funds also offer their affiliates the support of building professionals and financial aid to finance these types of developments. The amount of the latter depends on each pension fund, but also on the amount of work and resources of each retiree.
This financial aid can, for example, take the form of services such as Assistance for retirees in a situation of rupture (Asir), or Assistance for returning home after hospitalization (ARDH).
With regard to financial assistance from the Retirement Insurance (the basic scheme), retirees already receiving the specific dependency benefit (PSD), the personalized autonomy allowance (APA), the compensatory allowance for third parties ( ACTP), the disability compensation benefit (PCH) or the increase for a third party (MTP) cannot benefit from it. Just like the elderly living in a foster family.
In addition to information and prevention actions, material support and assistance in making adjustments that make the daily life of retirees easier at home, the basic and supplementary pension funds can also intervene to provide financial relief to their affiliates who experience sudden, unusual and unpredictable difficulty.
This is financial aid granted in exceptional situations such as theft, assault, fraud, abuse of weakness, natural disaster, etc., and which makes it possible to meet unforeseen expenses.
With regard to housing, this exceptional financial relief can, for example, help members of a pension fund to meet moving costs due to these unusual circumstances. This aid can also be used to repay an exceptional rent debt that is not chronic indebtedness. In this case, this one-off financial support is paid directly by the pension funds to the retiree's lessor.
In this regard, and also in the case of a situation of sudden and unforeseeable difficulties, the pension funds, and in particular that of the Retirement Insurance, can allocate financial assistance by participating in the payment of invoices less than 3 months old. of energy (gas, electricity, heating) concerning the main residence of their affiliates.
