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Au 1er mars 2016, la loi sur l’adaptation de la societe au vieillissement est entree en vigueur, reformant le dispositif de l’APA a domicile. L’objectif est d’etudier son effet sur les montants de plans proposes par les equipes medico‑sociales (EMS), d’abord theoriquement, puis empiriquement a partir des donnees des Remontees Individuelles (DREES) portant sur plus de 300 000 beneficiaires en 2011 et en 2017. Le montant moyen propose aux beneficiaires en groupe iso‑ressources (GIR) 3, 2 et 1 a augmente de 16, 49 et 57 € respectivement entre 2011 et 2017. Celui propose a la plupart des beneficiaires en GIR 4 a diminue, a caracteristiques donnees. Au sein de chaque GIR, en 2017, les distributions des montants sont plus etalees, y compris a gauche, laissant supposer que les contraintes budgetaires pesant sur les conseils departementaux ont conduit les EMS a reduire les montants proposes aux personnes relativement plus autonomes pour financer la hausse de ceux notifies aux personnes les plus severement dependantes.

The financial risk associated with long-term care (LTC) is partially insured in France and in all European countries. However, the level of coverage across all countries is significantly lower compared to health risk. Public coverage varies widely from country to country, although in most cases households are left to bear a significant proportion of the cost burden. Since LTC risk occurs at the end of life, the use by households of their financial and housing assets to finance their LTC expenses – in other words, self-insurance – may appear as one solution. Using data from the SHARE survey, the study by Carole Bonnet, Sandrine Juin and Anne Laferrère aims to address this question head-on and to assess the extent to which self-insurance could meet the financing needs of long-term care in Europe. This comment considers the approach taken by the authors before discussing the implications of their analysis., Wittwer Jérôme. Comment – Is Self‑Insurance for Long‑Term Care Risk a Solution?. In: Economie et Statistique / Economics and Statistics, n°507-508, 2019. pp. 25-30.