Opinion | “Aging well” bill: let’s not forget self-financing

Published on Nov 22, 2023 at 6:15 p.m.

After being presented at first reading to the National embly on April 13, 2023 and then postponed sine die in July, bill no. 643 concerning “aging well” carried by the Minister of Solidarity and Families (and former MP Renaissance) is again on the agenda of the National embly since November 20. Already singled out for its shortcomings within the chamber and by professionals from sectors impacted by the aging of the French population, this bill, described by some as an “empty shell”, does not seem to live up to the promise. of a law on old age made by the government.

This bill responds to a double emergency. Demographic first , with edifying figures. In 2030, nearly a quarter of the French population will be 65 and over, including 6 million in the 75-84 age group; in 2050, a third of French people will be over 60 years old. Then cyclical, notably with the scandal of mistreatment encountered in certain nursing homes; which raised the need to put in place different strategies to prepare our society for aging well.

Residential shift

The text of this bill included at first reading 14 articles aimed at strengthening the policy of preventing loss of autonomy and combating isolation for seniors; to promote the well-treatment of vulnerable people and to guarantee them quality and accessible accommodation and services, whether in nursing homes or at home. “Because nearly 80% of French people want to be able to stay at home and this question of people’s free choice of residence is central to a true society of aging well”, the bill calls for “an amplification of measures in favor of ‘a real residential shift’.

Unfortunately, this law project misses a fundamental point, that of the question of the self-financing of this residential shift. It is all the more surprising that this bill acknowledges in its preamble that it was inspired, among other things, by the report by Dominique Libault published in March 2019 and entitled “Concertation Grand age et autonomy” – report which recommended (proposition 165) the development of instruments for mobilizing private ets with a view to encouraging people to stay at home.

Let’s not kid ourselves, public authorities and national solidarity cannot and will not be able to take care of everything. Financing home support for seniors will only be possible through mobilization of the private resources of this population.

Bare ownership sale

Seniors hold a colossal stock of savings linked to the fact that they overwhelmingly own their main residence (75%) and solutions exist such as bare ownership sales to recover capital while retaining the use of the property. , without falling into the throes of life annuity sale experienced as immoral and delicate because it represents a significant risk of loss.

The good idea for public authorities would be to encourage seniors to liquidate their property savings to cover part of their costs of staying at home. We could imagine, for X years following the sale of bare ownership of a property, an increase in the tax reductions in force or an exemption from property tax for all those who consume home support or istance services to autonomy, or those who are doing work to adapt their home to aging.

Professionals are impatiently awaiting the continued examination of Aurore Bergé’s bill, hoping that the aspects left aside will be completed.

Thomas Abinal And Amaury de Calonne are co-founders of Monetivia.

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