APA
The Personal Independence Allowance (Aide Personnalisee a l'Autonomie) is for people aged 60 and over with reduced independence. It helps pay for support services linked to dependence.
Funding
Funding your new life at OBEO
Moving into or organising life in a senior services residence is a real project. The good news: it can be supported by several aid schemes and a tax benefit.
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Estimate your monthly budget
Choose your residence, the type of apartment and the options that suit you for an immediate estimate.
Votre estimation
Aix-les-Bains · Studio / T1
A partir de 1 705 €/mois
Estimation indicative — devis personnalise sur demande. Les aides (APL, ALS, APA, credit d'impot) peuvent reduire significativement ce montant.
The aid schemes
Housing and independence aid
Depending on your situation and your income, several forms of aid can help cover your rent and the services you benefit from.
ALS / APL
The Social Housing Allowance (ALS) and Personalised Housing Aid (APL) reduce the cost of your apartment rent, based on your income.
PCH
The Disability Compensation Benefit (Prestation de Compensation du Handicap) covers needs linked to a disability: human help, equipment or home adaptations.
Pension funds & mutual insurers
Many pension funds and mutual insurers offer additional support to help maintain independence.
Tax benefit
A tax reduction on personal services
Personal services — housekeeping, home help, meal delivery — qualify for a tax benefit. You receive a tax reduction equal to 50% of the sums spent.
This benefit applies up to a ceiling of EUR 12,000 of spending per year, which can be raised depending on your family situation.
50%
tax reduction on the sums spent for personal services, up to a ceiling of EUR 12,000 per year.
Understanding the budget
How much does a senior services residence cost?
The price of a senior services residence (RSS in French) mainly covers the rent of the apartment, the rental charges, the package of compulsory shared services (welcome, safety, coordination) and the personal alarm system. At OBEO Residences, this foundation starts at EUR 702 per month in Le Cheylard and averages EUR 1,400 to EUR 1,700 for a studio in most of our towns.
On top of that, you cover your personal consumption (electricity, telephone, internet depending on the residence) and the individual services you choose (dining, housekeeping, personal help). The whole remains well below the cost of a nursing home (EHPAD) for independent seniors.
Depending on your situation, the real out-of-pocket cost can be halved by combining APL/ALS + APA + the tax credit. Ask us for a personalised simulation.
Price benchmarks
- Le Cheylard (Ardeche)from EUR 702
- Frejus (Var)from EUR 1,225
- Uzes (Gard)from EUR 1,370
- Nevers (Nievre)from EUR 1,385
- Yzeure (Allier)from EUR 1,375
- Le Cannet (Alpes-Maritimes)from EUR 1,500
- Chambery (Savoie)from EUR 1,549
- Montreuil (Seine-Saint-Denis)from EUR 1,618
- Aix-les-Bains (Savoie)from EUR 1,705
Indicative prices in EUR per month, all taxes included, for a studio apartment, excluding options and individual services. See all our residences.
Combinable aid
APA, APL, ALS, PCH and tax credit: most of them can be combined
The good news: most aid schemes can be combined. Here are the key principles to know in order to reduce the out-of-pocket cost of a senior services residence.
APL / ALS and rent
The Personalised Housing Aid (APL) or the Social Housing Allowance (ALS) covers part of the monthly rent. It is paid by the CAF (French family allowance fund), subject to income, and depends on the geographic zone. To be requested as soon as the lease is signed.
APA and personal services
The Personal Independence Allowance (APA) at home funds personal services for seniors classified in dependence groups GIR 1 to 4. It is awarded by the Departmental Council, after assessment at your home in the residence.
50% tax credit
50% of the sums spent on personal services (housekeeping, home help, etc.) come back as a tax credit, including for non-taxpayers. Annual ceiling of EUR 12,000, raised up to EUR 20,000 depending on situation.
Pension funds & mutual insurers
Many pension funds (CARSAT, AGIRC-ARRCO, MSA) and mutual insurers pay one-off or recurring grants to support a move into a senior services residence. To request from your own fund.
To learn more, see also our full FAQ or the page on senior services residence legislation.
Our OBEO advice
Support to make sure nothing gets missed
Paperwork can look daunting, and it is not always easy to know which forms of aid you are entitled to. That is why our team walks with you step by step: identifying the right schemes for your situation, putting together and submitting the files, and connecting you with the relevant organisations.
Let's dream together
Let's estimate your budget together
Get in touch so we can review your situation and identify the forms of aid that may support your plans with OBEO.