{"id":17226,"date":"2025-01-04T08:54:15","date_gmt":"2025-01-04T06:54:15","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=17226"},"modified":"2025-01-06T16:02:12","modified_gmt":"2025-01-06T14:02:12","slug":"personnes-agees-aides","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/personnes-agees-aides\/","title":{"rendered":"Personnes \u00e2g\u00e9es : des aides financi\u00e8res existent"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Il existe diverses aides \u00e0 destination des personnes \u00e2g\u00e9es, en cas de faibles revenus, perte d'autonomie, invalidit\u00e9...  Tour d'horizon. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'allocation de solidarit\u00e9 aux personnes \u00e2g\u00e9es (ASPA) <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>ASPA<\/strong>, anciennement <strong>minimum vieillesse<\/strong>, est une <strong>aide sociale<\/strong> mensuelle accord\u00e9e aux <strong>retrait\u00e9s ayant de faibles ressources<\/strong>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les conditions pour b\u00e9n\u00e9ficier de l'ASPA :<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>avoir<\/strong> <strong>au moins 65 ans<\/strong>\u00a0(l'ancien combattant\/d\u00e9port\u00e9\/intern\u00e9 ou prisonnier de guerre, personne invalide ou handicap\u00e9 peut b\u00e9n\u00e9ficier de l'ASPA avant ses 65 ans, sous conditions) ;<\/li><li><strong>respecter<\/strong> <strong>un plafond de ressources<\/strong> : c'est-\u00e0-dire pour 2025, gagner moins de 1 034,28 \u20ac bruts\/mois pour une personne seule ou 1\u00a0605,73\u00a0\u20ac\u00a0 bruts\/mois pour un couple ;<\/li><li><strong>r\u00e9sider en France<\/strong> au moins 9 mois dans l'ann\u00e9e (pour les \u00e9trangers, d'autres conditions suppl\u00e9mentaires s'appliquent) ;<\/li><li><strong>formuler sa demande aupr\u00e8s de l'organisme de retraite.<\/strong> <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant de l\u2019ASPA<strong> <\/strong>d\u00e9pend aussi de la situation familiale (en couple ou non). Le montant attribu\u00e9 est \u00e9gal \u00e0 la diff\u00e9rence entre le montant maximum par mois de l'ASPA (1 012,02 \u20ac bruts\/mois pour une personne seule) et le montant des revenus mensuels du b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ainsi, si le b\u00e9n\u00e9ficiaire touche 800 \u20ac de revenus mensuels, l'ASPA sera de 1 034,28 \u20ac - 800 = 234,28 \u20ac par mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette allocation est vers\u00e9e par l'organisme de retraite. Une partie (en g\u00e9n\u00e9ral les 2\/3) des sommes per\u00e7ues dans le cadre de l'ASPA sont r\u00e9cup\u00e9rables aupr\u00e8s des h\u00e9ritiers uniquement si l'actif net de la succession du b\u00e9n\u00e9ficiaire de l'ASPA est \u00e9gal ou sup\u00e9rieur \u00e0 un certain montant. Ce montant d\u00e9pend du lieu de r\u00e9sidence : 100 000 \u20ac en m\u00e9tropole, 150 000 \u20ac en outre-mer. <\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : si vous ne percevez pas de pension de retraite,  il existe une <strong><a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2572\" target=\"_blank\" rel=\"noreferrer noopener\">allocation simple d'aide sociale aux personnes \u00e2g\u00e9es<\/a><\/strong> accessible en cas de refus d'ASPA. Il faut s'adresser au Centre Communal d'Action Sociale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'allocation personnalis\u00e9e d'autonomie (APA)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong>APA (allocation personnalis\u00e9e d'autonomie)<\/strong> est destin\u00e9 aux <strong>personnes \u00e2g\u00e9es<\/strong> <strong>en perte d'autonomie<\/strong> sans condition de ressources. Cette <strong>allocation sp\u00e9cifique<\/strong> permet de payer en tout ou partie les d\u00e9penses n\u00e9cessaires soit pour rester \u00e0 son domicile (<strong>APA \u00e0 domicile<\/strong>),  soit pour vivre en \u00e9tablissement m\u00e9dico-social en France type&nbsp;Ehpad de plus de 25 pensionnaires d\u00e9pendants (<strong>APA en \u00e9tablissement<\/strong>).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les conditions pour b\u00e9n\u00e9ficier de l'APA : <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Avoir<\/strong> <strong>au moins 60 ans<\/strong>.<\/li><li><strong>Avoir besoin d'aide pour accomplir les actes de la vie courante<\/strong> ou n\u00e9cessiter une surveillance m\u00e9dicale constante.<\/li><li><strong>R\u00e9sider en France<\/strong>. Pour les \u00e9trangers, il faut avoir une carte de r\u00e9sident ou un titre de s\u00e9jour.<\/li><li> Se procurer un dossier de demande, le compl\u00e9ter avec toutes les pi\u00e8ces justificatives n\u00e9cessaires et l'envoyer \u00e0 l'adresse mentionn\u00e9e dans le dossier.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour faire votre demande (sauf si l'Ehpad per\u00e7oit d\u00e9j\u00e0 une dotation globale APA), contactez les services du d\u00e9partement, de la mairie (CCAS), ou un point d'information local d\u00e9di\u00e9 aux personnes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La perte d'autonomie se mesure \u00e0 l'aide d'une grille&nbsp;qui d\u00e9finit plusieurs degr\u00e9s de perte d'autonomie, allant de niveau 1 (perte d'autonomie la plus forte) au 6 (perte d'autonomie la plus faible). Les niveaux 5 et 6 ne b\u00e9n\u00e9ficient pas de l'APA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le montant de l'APA d\u00e9pend ainsi du niveau de perte d'autonomie. <strong>Son montant maximal est fix\u00e9 \u00e0 2045,56 \u20ac par mois<\/strong> pour 2025.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'allocation simple d'aide \u00e0 domicile aux personnes \u00e2g\u00e9es<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous ne recevez pas de pension de retraite et votre demande d'Aspa a \u00e9t\u00e9 rejet\u00e9e ? Vous pouvez b\u00e9n\u00e9ficier de&nbsp;l'allocation simple d'aide \u00e0 domicile aux personnes \u00e2g\u00e9es. Selon le montant de vos ressources, cette allocation peut vous \u00eatre accord\u00e9e \u00e0 taux plein ou \u00e0 taux r\u00e9duit. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 taux plein, l'allocation est de <strong>1\u00a0034,28\u00a0\u20ac<\/strong> par mois pour une personne seule\u00a0et\u00a0<strong>1\u00a0605,73\u00a0\u20ac<\/strong>\u00a0 par mois pour un couple.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">L'allocation suppl\u00e9mentaire d'invalidit\u00e9 (ASI)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<strong>allocation suppl\u00e9mentaire d\u2019invalidit\u00e9 <\/strong>(<strong>ASI<\/strong>) est vers\u00e9e sous conditions de ressources aux <strong>personnes invalides <\/strong>qui n\u2019ont pas encore atteint l\u2019\u00e2ge pour b\u00e9n\u00e9ficier de l\u2019Allocation de Solidarit\u00e9 pour les Personnes \u00c2g\u00e9es (ASPA), c'est-\u00e0-dire 65 ans. Cette aide financi\u00e8re permet de garantir un revenu minimum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Les conditions pour b\u00e9n\u00e9ficier de l'allocation suppl\u00e9mentaire d'invalidit\u00e9 : <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>\u00eatre en situation d'invalidit\u00e9<\/strong> g\u00e9n\u00e9rale&nbsp;r\u00e9duisant votre capacit\u00e9 de travail ou de gain d'au moins 2\/3 ;<\/li><li><strong>r\u00e9sider en France.<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le montant maximum de l'ASI pour une personne seule est fix\u00e9 \u00e0\u00a0<strong>899,56\u00a0\u20ac<\/strong>.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous touchez une pension d'invalidit\u00e9 ou une pension de retraite (CPAM) anticip\u00e9e ou une pension de r\u00e9version, l'ASI est vers\u00e9e \u00e0 partir du 1er jour du mois suivant la r\u00e9ception de votre demande. En cas de pension vers\u00e9e par la MSA (Mutuelle Sociale Agricole), vous devez vous rapprocher d'elle.<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A noter : Il existe une allocation pour le proche aidant, l'<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/ajpa-une-allocation-pour-le-proche-aidant\/\" target=\"_blank\">AJPA (Allocation Journali\u00e8re du Proche Aidant)<\/a>. Parent en perte d\u2019autonomie, enfant handicap\u00e9, conjoint malade\u2026 depuis le 1er octobre 2020,  il est possible de prendre un cong\u00e9 de \u00ab&nbsp;proche aidant&nbsp;\u00bb et d\u2019\u00eatre r\u00e9mun\u00e9r\u00e9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles autres aides ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez des difficult\u00e9s \u00e0 faire certains gestes du quotidien&nbsp;? Dans ce cas, vous pouvez obtenir une aide financi\u00e8re (dite&nbsp;<strong>aide m\u00e9nag\u00e8re<\/strong>) pour r\u00e9mun\u00e9rer une personne qui viendra chez vous faire certaines t\u00e2ches m\u00e9nag\u00e8res (par exemple, aide pour les repas, m\u00e9nage, lessive...).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi peut-\u00eatre b\u00e9n\u00e9ficier d'une aide financi\u00e8re pour payer le&nbsp;<strong>portage des repas<\/strong>. Cela permet de recevoir chez vous des plateaux-repas chauds et pr\u00eats \u00e0 consommer. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour ces 2 aides, vous devez respecter des conditions d'\u00e2ge et de ressources.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Personnes \u00e2g\u00e9es : des aides existent\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F16871\" target=\"_blank\">L'ASPA<\/a>, l'<a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F10009\" target=\"_blank\">APA<\/a> et <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2572\" target=\"_blank\" rel=\"noreferrer noopener\">l'allocation simple d'aide \u00e0 domicile aux personnes \u00e2g\u00e9es<\/a> sur le site service public<\/li><li><a href=\"https:\/\/www.service-public.fr\/particuliers\/actualites\/A17833?xtor=EPR-100\" target=\"_blank\" rel=\"noreferrer noopener\">Prestations sociales -Personnes \u00e2g\u00e9es&nbsp;: aides financi\u00e8res dans votre vie quotidienne&nbsp;sur Service-Public.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2572\" target=\"_blank\">L'allocation simple d'aide aux personnes \u00e2g\u00e9es<\/a> sur le site service public<\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F16940\" target=\"_blank\">L'allocation suppl\u00e9mentaire d'invalidit\u00e9<\/a> sur le site service public<\/li><\/ul>\n\n\n\n<div style=\"height:68px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" 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\/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Il existe diverses aides \u00e0 destination des personnes \u00e2g\u00e9es, en cas de faibles revenus, perte d'autonomie, invalidit\u00e9... Tour d'horizon. L'allocation de solidarit\u00e9 aux personnes \u00e2g\u00e9es (ASPA) L'ASPA, anciennement minimum vieillesse, est une aide sociale mensuelle accord\u00e9e aux retrait\u00e9s ayant de faibles ressources. Les conditions pour b\u00e9n\u00e9ficier de l'ASPA : avoir au moins 65 ans\u00a0(l'ancien combattant\/d\u00e9port\u00e9\/intern\u00e9 [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":17442,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":15,"views":20767,"viewed_at":"1778495704","newsletter":"1","_yoast_wpseo_primary_category":278,"footnotes":""},"categories":[278,36,270],"tags":[],"class_list":["post-17226","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jai-des-difficultes","category-la-maladie-le-handicap","category-mes-moments-de-vie"],"yoast_head":"<title>Personnes \u00e2g\u00e9es : des aides financi\u00e8res existent - J&#039;ai des difficult\u00e9s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Il existe diverses aides \u00e0 destination des personnes \u00e2g\u00e9es, en cas de faibles revenus, perte d&#039;autonomie, invalidit\u00e9... 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