Bipolar disorders, affecting a significant number of people, represent a real challenge to overcome on a daily basis. They influence not only the personal life, but also the professional sphere of the person who suffers from them. For many, these disorders can be so debilitating that they lead to drastic adaptations, or even the complete cessation of professional activity. Such situations, in addition to exacerbating the psychological state, can also cause major financial concerns, especially if the individual has family responsibilities.
THEAllowance for adults with disabilities (AAH) is one of the financial support measures put in place to help people with disabilities, as is often the case with bipolarity.
However, AAH is not the only source of financial aid. The Disability Pension is also an option for those who meet certain specific criteria. Its amount, depending on the disability category (1, 2 or 3), varies between 311 euros and 1,823 euros. It is essential to note that the majority of beneficiaries are generally classified under Long Term Affection (ALD) status.
Intended to compensate for the loss of income due to a significant reduction in working capacity (reduction of at least 2/3 in capacity), the disability pension is a real lifesaver for many French people. It is issued following an illness or a non-professional accident. However, this support does not last forever. Indeed, the pension may be revised or even suspended, depending on various factors such as the improvement of the state of health or the resumption of work. As soon as the legal retirement age is reached, this pension is automatically converted into a retirement pension.
It is crucial to recognize that 30 Long-Lasting Conditions (ALD) are officially recognized by the Ministry of Health. Among them, we find bipolar disorders. The management of this recognition is the responsibility of Social Security. To qualify, you must therefore have been an employee or be self-employed. Disability can often follow a prolonged sick leave, up to three years.
Health Insurance manages the process of establishing a disability. Several ways are available to request recognition:
Once the file is submitted, the CPAM takes a decision in two months. In case of recognition of disability, it establishes the category and determines the right to the pension. The person is then informed, and the organization checks the eligibility of the individual every 3 months.
Faced with bipolar disorders, it is essential to know your rights and the supports available. These financial measures can provide considerable relief in sometimes complicated times.
The inability to work, whether the result of an accident or a non-occupational illness, is a major challenge for many people. In order to alleviate this disability and to guarantee financial support, Social Security offers a disability pension. Here's everything you need to know about it.
The establishment of this pension requires an assessment of the incapacity to work by the Social Security medical advisor. This step is essential and unavoidable.
To be eligible for the disability pension, several conditions must be met:
There are three distinct categories of disability. If the medical advisor estimates that your capacity to work or earn is reduced by at least 2/3, you will be placed in one of the following categories:
The disability pension is therefore adapted to the situation of each beneficiary, offering a financial support crucial in these difficult times. If you think you are eligible, we encourage you to take the necessary steps with Social Security.
A disability pension is financial assistance provided to persons whose ability to work or earn is reduced as a result of an illness or accident. However, the management and combination of this pension with other sources of income require particular attention.
You have the option of combining your disability pension with other income. However, it may reduce the amount of your pension.
Category 2 disability pension ceases when you reach the legal retirement age of 62. It is important to note that quarters continue to be recorded during the period of disability, but no contributions are made, which can affect the amount of your pension.
Throughout this period, it is crucial to maintain regular communication with the various actors concerned: Health Insurance, your employer, mutual benefit insurance, and pension or supplementary pension insurance. Even if the journey can be complex and sometimes disheartening, sustained personal investment is essential to guarantee your future peace of mind.
It is recommended that you consult resources such as Cramif.fr or to participate in forums dedicated to disability, disability or bipolarity. These platforms can offer testimonies and practical solutions to anticipate and solve numerous problems related to your situation.
