2023-08-19 14:10:00
Few retirees are aware that they are entitled to state aid which might improve their financial situation…
After long years of active life, the hour of retirement is finally ringing. However, many retirees find themselves faced with a difficult reality. Their pension is often insufficient to support themselves. But what they may not know is that there are supports for them. In this article, we present to you a comprehensive list of the often overlooked rights that they can claim.
Assistance to supplement the retirement pension
While some retirees can count on their assets or savings, This is not the case of everyone. Indeed, a large part of them struggle to live with their meager pension. Still, there are plenty of help they can ask for.
In particular, there is the solidarity allowance for the elderly, which is also known as the minimum old age. This aid is intended for retirees with low incomes. However, in order to benefit from it, you must be at least 65 years old. The ASPA allows retirees with modest incomes to better manage their daily expenses and to cope with the precariousness linked to the high cost of living.
In addition to the ASPA, aid from supplementary pension funds are quite numerous. You have in particular Agirc-Arrco and Ircantec. This aid can be used for projects aimed at improving the living environment of retirees. Such as work in their accommodation, or for the hiring of home help staff. To find out how to obtain this aid, it is advisable to contact your supplementary pension fund.
Pension rights
About 5 to 10% of French retirees do not claim their full pension. This situation mainly concerns people who have worked for a few years in France. before moving abroad. But also those who have contributed to different pension plans without remembering that they have accumulated rights in each of them.
To find out if you are entitled to a full pension, it is recommended that you contact your pension fund to verify your rights. You can do the same for the reversionary pension. Indeed, if your deceased spouse had contributed for his retirement, you are entitled to receive part of his pension. Unfortunately, this benefit is often unknown to retirees.
health aids
Some seniors are also entitled to several health aids. For example, there is assistance with the payment of a complementary. This mainly concerns people with modest resources, but higher than the ceiling giving right to the CMU-C. This aid is issued in the form of a check certificate in the amount of 550 euros for people over 60 years of age.
The universal service employment check (CESU) is also a valuable aid. It allows elderly people and retirees to pay for various home services. We think in particular of work or household help. This aid makes life easier for retirees by allowing them to get help at home and can be used to remunerate service providers under these conditions.
Reasons for non-use of financial aid
Unfortunately, many seniors do not claim these benefits. And the reasons for this non-use are multiple. Some people are simply unaware of the existence of these aids. Still others are discouraged by the complexity of the administrative procedures.
It also happens that some retirees fear being “stigmatized” by accepting this aid. It is therefore essential to make retirees aware of their rights in order to reduce inequalities and facilitate their access to these benefits.
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