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).
AERAS
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.
