MaPrimeAdapt': a neutral mechanism for public authorities, provided there is a long-term policy and greater mobilization

While the next decade will see the number of seniors increase from 19 to more than 21 million with the intention for the majority of them (85%) to age in place, the challenge of adapting housing to aging becomes central.

MaPrimeAdapt', proposed[1] by Luc Broussy, president of France Silver Eco, from May 2021, is a system that facilitates the adaptation of housing to aging for individuals and allows the prevention of the loss of autonomy.

Adopted by the President of the Republic, it represents real progress in terms of readability and reduction of processing times. Moreover, as revealed today by the consortium of building stakeholders (CAPEB, FFB, FFIE, IGNES, Coedis, Lift Federation, Home Improvement Club, AFISB, Saint Gobain, Indépendance Royale), gathered around the Silver Economy sector: an ambitious policy of massive adaptation, of at least 2,3 million housing units for seniors over 10 years, is self-financing.

6,9 million housing units to be adapted to aging by 2033: a challenge that goes beyond the future beneficiaries of MaPrimeAdapt'

As 85% of people want to stay in their homes for as long as possible, it is essential to have a global policy for adapting housing to aging that applies to all housing for seniors, and not just those eligible for prime. It thus appears essential to lift the psychological brakes linked to the taboo of aging: it seems necessary to launch a real awareness campaign which would reveal the advantages of such an adaptation. This housing adaptation policy must convince all seniors and those around them to take action while taking care to remove these psychological brakes. In the implementation of these ambitions, the local authorities (departments, EPCIs, municipalities) have an essential role to play, in particular in the articulation of MaPrimeAdapt' with additional local aid. Acceleration will not happen without the impetus of local authorities.

A budget-balanced policy, thanks to its sustainability and the equation: "1,4 adapted housing without MPA' allows to support 1 adapted housing via MPA'"

For the policy of adapting housing to aging to be balanced for the public authorities, it is important that it lead to the adaptation of at least 2,3 million dwellings in 10 years, which corresponds to a gradual growth of new adapted housing per year from 110.000 in 2024 to 230.000 from 2030. Indeed, only a ripple effect of adaptation of housing beyond subsidized housing alone will make it possible to achieve economic neutrality in 10 years . It is also necessary to count 1 housing assisted via MaPrimeAdapt' for 1,4 housing adapted without subsidy. The overall MaPrimeAdapt scheme, going beyond simple financial aid, then creates a multiplier effect for all housing for seniors.

On the other hand, the protection of a long-lasting MaPrimeAdapt' system is essential to give it time not only to allow the structuring of the ecosystem of adaptation of housing and home support, but also to give it visibility, both with the elderly and their families and with professionals in the construction and health sectors.

Over the period studied (2024-2033), a balanced budget is thus obtained for the public authorities, with 6,2 billion in costs induced by the housing adaptation policy, and 6,3 billion in avoided costs (protection expenditure social security, care in institutions, etc.) and additional revenue (VAT, job creation, reduction in work accidents, etc.).

A housing adaptation policy for aging with multiple societal and economic benefits

Beyond the savings generated and the development of a promising new sector, this policy of adapting housing to aging also generates significant positive externalities. Among them, we observe an improvement in life expectancy in good health and in the quality of life of the elderly person at home (20% reduction in falls in adapted housing, for example), an encouraging impact concerning home care and family caregivers (caring for dependent relatives today mobilizes nearly 1 in 6 French people, or 16% of employees in France), as well as significant progress in terms of energy sobriety. Thus, adapting your home should make it virtuous, scalable and able to respond to the different events of life.

[1] in its report "We will grow old together... 80 proposals for a new Pact between generations"