Basic acts of daily life

The basic acts of daily living (ADLs) make it possible to define a person's state and degree of dependence, i.e. his or her ability to carry out one or more of these acts alone and properly, including with the appropriate technical aids (glasses, wheelchair, etc.). They generally cover the following categories of actions:

  • food: for example, eating food that has been previously served and cut, and drinking;
  • travel: for example, moving around inside the dwelling;
  • dressing: for example, putting on and taking off the clothes usually worn;
  • hygiene/toilet: for example, washing the whole body and ensuring satisfactory hygiene of disposal and thus spontaneously maintaining a level of personal hygiene in accordance with usual standards;
  • transfers: for example, moving from one of the three positions - sitting, lying or standing - to another and vice versa.

When the contract uses these criteria to assess the state of dependence, it defines them explicitly.
These criteria are not necessarily those used by the public authorities(resource groups).



Insuring and borrowing with an aggravated health risk (see Convention AERAS).


Individual insurance

In the everyday language ofloan insurance, individual insurance is presented as an alternative to the bank group contract, either by the lender or by another insurance operator.


Convention AERAS

Agreement signed between the public authorities, professionals, consumer associations and associations of sick or disabled people to allow better access toinsurance and credit for people with an aggravated health risk.


Insurance delegation

The term used to describe the possibility for the borrower (for a mortgage or consumer loan) to take out loan insurance withtheinsurer of his or her choice.


deferred perioddepreciation (or partial deductible)

The period during which the borrower does not repay any capital. The borrower pays only the interest on the loan.Insurance contributions are usually collected during the amortization period of deferred period.


deferred periodtotal (or total deductible)

The period during which the borrower does not repay any capital or interest. Interest is added to the outstanding principal. Only insurance contributions are generally collected during the deferred periodtotal period.



The coverloss of employment insurance covers the insured person in the event of redundancy and when he/she receives unemployment benefit. It is granted, if necessary, after a waiting period and after a deductible period for a total or partial coverage of the payments and for a limited period. The precise conditions of coverage are defined in the contract. In order to be required by the lender, the coverloss of employment must not be revisable during the course of the contract.


Total and irreversible loss of autonomy (PTIA)

Total and irreversible loss of autonomy exists when an insured person, as a result of an illness or accident, is medically unable to engage in any occupation or work that would give him or her profit and if his or her condition also requires theassistance of a third party to perform the ordinary acts of life.


Tiered loan

A loan whose repayment is made in successive phases defined in the contract and comprising different monthly payments (instalments).



Annual effective insurance rate: The cost of the insurance offered in a crédit immobilier offer or a consumer credit offer, expressed as a percentage on an annual basis.



Annualised effective rate: a rate that includes interest and all the costs associated with granting a loan (application fees, insurance fees, cover, mortgage fees, etc.). It is used to measure the total cost of the loan or credit. It must never exceed the usury threshold (or usury rate).


Sources CCSF - updated on 01/04/2019