Should insurance addictive?

The state, through the regions and departments, allocates aid. This is the personal autonomy allowance. But in many cases, it remains insufficient. What is she?

Different levels of security

The personal autonomy allowance (APA) is for those aged 60 years. It compensates interested in a grid that correspond to four levels, with a payment (Figures 2009) which ranges from 1224.63 per month (level 1 or GIR 1) to 524, 84 euro (level 4 or GIR 4) . These are maximum amounts. They often remain insufficient to cover all expenses, particularly supported by specialized institutions.

We generally evaluate the cost of addiction to 3,000 euros if the person resides in a special school and 2,000 euros if she remains at home. To overcome this financial mutuals and insurance companies have developed two types of guarantees. First contracts "dependency". We can generally accept up to 75 years. Over the age of the contributor, the higher the contribution is significant. Premiums amounted to 300 and up to 1,000 euros per month depending on age and level of income you want. To choose, apart from the comparison of premiums, we must compare the different coverage levels.

Without inheritance

Choose formulas that guarantee partial dependence according to criteria IRM (and not those determined by the insurer) and those who continue to ensure that risk of termination of payment after eight years of contributions. The services and support services should not be neglected. Finally, there are life insurance contracts with an option dependency. If the subscriber does not become addicted, he can tap into his savings in the form of redemptions and the remainder will be transmitted, mostly without inheritance, with one or more beneficiaries of his choice.