{"id":1769,"date":"2025-12-18T16:01:49","date_gmt":"2025-12-18T15:01:49","guid":{"rendered":"https:\/\/www.ca-personalfinancemobility.com\/?post_type=publication&p=1769"},"modified":"2026-01-06T15:32:52","modified_gmt":"2026-01-06T14:32:52","slug":"nearly-6-out-of-10-seniors-did-not-anticipate-financially-a-possible-loss-of-autonomy","status":"publish","type":"publication","link":"https:\/\/www.ca-personalfinancemobility.com\/en\/publication\/nearly-6-out-of-10-seniors-did-not-anticipate-financially-a-possible-loss-of-autonomy\/","title":{"rendered":"Nearly\u00a06\u00a0out\u00a0of\u00a010\u00a0seniors\u00a0did\u00a0not\u00a0anticipate\u00a0financially\u00a0a\u00a0possible\u00a0loss\u00a0of\u00a0autonomy"},"content":{"rendered":"\n

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With the aging of the baby boom generation, the number of seniors losing autonomy is expected to reach 2.8 million by 20501. Faced with this reality, only a quarter of those over 60 say they are fully prepared. For others, this stage of life raises concerns, particularly in financial terms.
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AN INCREASING DIFFICULTY FOR SENIORS TO PREPARE FOR ADDICTION<\/strong><\/p>\n\n\n\n

Faced with the extension of life expectancy, addiction is a dreaded horizon but little anticipated by seniors. Once again this year, only 1 in 2 seniors say they are ready to face a situation of dependency<\/strong> (54%, -2 pts versus 2024). In detail, only 23% say they are fully prepared if this should happen to them tomorrow (-3 pts).<\/p>\n\n\n\n

This low anticipation is accompanied by growing concern about the financial cost of addiction: 68% of seniors say they are concerned<\/strong> (+5 pts). This signal is consistent with the decrease in the average budget they believe they can devote to the adaptation of their housing: 8,628 euros on average, 519 euros less than in 2024. This budget varies greatly depending on the residential status: landlords expect on average 9,796 euros, nearly double the number of tenants, who expect only 4,156 euros.<\/p>\n\n\n\n

Behind these figures is a structural difficulty in preparing yourself for this stage of life: only 42% of seniors have started financial preparation, while 30% plan to rely on their children in case of addiction<\/strong> (-5 pts). Yet family support may be limited. Only 11% consider it likely that they will be taken in by their children or grandchildren if they lose autonomy.<\/strong><\/p>\n\n\n\n


CONCERNS THAT ARE NOT JUST BUDGETARY\u2026 BUT ALWAYS HAVE A COST<\/strong> <\/p>\n\n\n\n

While financial issues are omnipresent about addiction, the first concern remains physical for nearly 8 out of 10 seniors <\/strong>(78%, -6 pts vs. 2024). Also from a material point of view, 34% of seniors fear that their housing will no longer be suitable if they lose autonomy.<\/p>\n\n\n\n

However, only a minority anticipate a change of place of life: 32% plan to join a specialized structure in case of dependence<\/strong>. This is not an attractive prospect, particularly given the perceived high cost of these establishments. Indeed, 71% of seniors cite this expenditure as a major concern (+6 pts vs. 2024).
Staying at home does not seem like a simple solution either. Nearly half of those surveyed are concerned about the cost of home care services (49%, +4 pts vs. 2024) and a quarter of the cost of the necessary adjustments (25%, +5 pts vs. 2024).<\/strong><\/p>\n\n\n\n


HOUSING DEVELOPMENT WORK IS FAR FROM ANECDOTAL<\/strong><\/p>\n\n\n\n

Some work seems both essential and feasible, in particular the installation of a fall warning system (78% consider it necessary and 59% that it is financially accessible). However, other transformations seem unaffordable: widening the doors and corridors for a wheelchair (considered necessary by 43% but too expensive by 31%), or the complete redevelopment of the bathroom (considered necessary by 67% but inaccessible for 24%).<\/p>\n\n\n\n


FACED WITH THIS POTENTIAL LIFE CHANGE, GUARANTEEING FINANCIAL SECURITY IS THE FIRST REFLEX<\/strong><\/p>\n\n\n\n

The majority of seniors rely primarily on their own financial capacities. They plan to mobilize their savings (50%), their life insurance (26%) or the sale or rental of their home (24%).<\/strong><\/p>\n\n\n\n

In anticipation, some even resign themselves to extending their professional activity in order to increase their resources: 39% of active seniors believe that they will have to continue working after the legal retirement age<\/strong> to ensure their financial security.<\/p>\n\n\n\n

Only 34% think they can count on public aid, which is often considered insufficient or poorly known. This lack of legibility of the system is also reflected in the lack of information: 46% of seniors do not inquire about the subject.<\/p>\n\n\n

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\n \"Franck\n <\/div>\n <\/div>\n
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Addiction is a dreaded stage of life and it is often in a hurry that seniors and their families prepare it, generating significant expenses in a short time. To help them better anticipate a possible loss of autonomy, support systems, whether dedicated savings solutions or loans adapted to aging well, could be a valuable lever.<\/p>\n<\/blockquote>\n\n\n

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Franck Oniga<\/div>\n
CEO of Sofinco<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n\n\n
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Downloadable document<\/h2>\n
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