LOSS OF AUTONOMY: DEFINITION AND SYMPTOMS
The loss
of autonomy is synonymous with the inability, for a person, to ensure alone
and to decide certain acts of everyday life. It is a natural
evolution which results from the aging of the brain, causing both physical and
psychological alterations. There are many symptoms that indicate loss
of autonomy:
- Balance
disorders, characterized by difficulty in moving. This alteration
exposes the person to the danger of a fall which could cause a serious and
disabling injury.
- Eating
disorders, because an elderly person has a natural loss of appetite, the
consequences of which can be aggravated by difficulties in cooking or even
eating regularly.
- Decrease
in hygiene, because physical weakening gradually prevents the
accomplishment of simple everyday acts such as cleaning or washing.
- Memory
problems, to a more or less worrying level. They can be linked to a
degenerative disease such as Alzheimer's disease, for example.
- Altered
mood, again at a more or less benign level but may be the result of a
neurodegenerative disorder.
- Social
isolation, resulting from the combination of fatigue, reduced hearing
skills and difficulty in moving around.
To meet these needs, a personal assistance system has been
developed to remedy changes in the living environment of an elderly person.
LOSS OF AUTONOMY: SOLUTIONS
Since the provision of services to the person still has a
significant economic cost when it comes to lightening the daily life of a
person, and the costs are generally beyond the retirement pension of the person
concerned, insurers have developed so-called long-term care insurance contracts . With their
flexible guarantees, they will allow people wishing to protect
themselves from the future risk to suffer this loss of autonomy to save very early,
in order to build up capital, or prepare an annuity, which will be paid to them
when they have it. need. To solve the problem of dependence, solutions
exist in the form of the following guarantees:
- The
payment of an annuity which is not taxable, and which is set up as soon as
partial or total dependence sets in, and which is intended to support the
help of a third party to help the dependent person to perform the
elementary acts of life.
- The
payment of a capital in the event of loss of autonomy, with the aim of
fitting out the home if the dependent person wishes to maintain their
living environment.
- The
additional dependencies also offer usual services - so-called benefits in
kind - such as telephone assistance, the search for auxiliaries such as
the gardener, doctor or nurse, the delivery of meals and medicines,
household help and hospitalization.
- Free
home assessment in the event of loss of autonomy, to effectively guide the
search for providers.
Long-term care insurance and its solutions deserve to be taken
seriously: even if your autonomy is still intact after a certain age, do
not wait to be confronted with the first problems to take an interest in it! The
earlier you take an interest in it, the less it will cost you. An
insurance comparator will provide you with all the solutions offered by
insurers, the most complete as well as the most economical.
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