Why some pensioners in France will soon pay more for home help

A change to rules on social security exemptions for home help is expected to increase costs for thousands of people aged 70 to 79, and has been criticised by opponents as “out of step” with government policy.

The reform, confirmed in a decree published in April, raises the age at which an automatic exemption from employers’ social security contributions (cotisations patronales) applies when hiring home help (aide à domicile).

The exemption is now reserved for people aged 80 and over, whereas it previously applied from age 70.

Although the decree states that the measure applies from January 1, 2026, its practical implementation is being phased in, with administrative adjustments expected to continue through the year.

People aged 70 to 79 will no longer benefit from the automatic exemption unless they are formally recognised as having lost autonomy or are certified as disabled.

To qualify, they must undergo an administrative assessment confirming a loss of independence or disability status.

The measure was not subject to a specific parliamentary vote in its final form, as it was introduced through a decree linked to the 2026 social security financing framework. 

However, it has drawn criticism for being implemented without targeted parliamentary debate on its detailed application.

The ministry of labour defended the reform, telling Les Echos that the previous system amounted to a “niche sociale boostée” (boosted social tax break).

“We want to ensure that support goes to those who need it most,” the ministry said.

The finance ministry estimates the change will add around €100million to the state budget.

Change 'out of step' with policy

A joint letter from nine associations and organisations has condemned the reform, arguing it is “out of step” with government policy on ageing and autonomy, and insisting they were not consulted.

Fepem, the federation representing employers of domestic workers, estimates that around 348,000 people aged 70 to 79 will be affected. 

It warns that many households could face an increase in costs of around 15%, potentially forcing some to reduce the amount of home help they receive.

Many home help workers are employed through associations, which are generally better equipped to manage the administrative procedures required for clients to be officially recognised as dependent or disabled. 

Although less likely to be directly impacted by the reform, these organisations warn it sends “the wrong message” about government policy on ageing and home care.

To find home help services in your area, contact a local information point for older people (search for your nearest one on the official government website), or ask at your mairie.

The website also lets you search for nurse visits or home help (services d’aide et de soins à domicile), retirement homes, and day care.

Another option for home help is to use the chèque emploi service universel (Cesu) system. This allows you to employ someone directly for home support, offering tax benefits for eligible individuals.