AGGIR grid (French dependency scale)
A French public tool classifying older people into six resource-use groups by degree of loss of autonomy; it opens entitlement to the personal autonomy allowance and serves as a reference for long-term care policies.
The AGGIR grid, for gerontological autonomy by resource-use groups, is the regulatory tool with which an assessor measures an older person's dependency. The assessor observes ten so-called discriminating activities, coherence, orientation, washing, dressing, eating, continence, transfers, moving indoors and outdoors, remote communication, and records for each whether the person performs it alone, partly or not at all. An algorithm then places the person in one of six resource-use groups: GIR 1 is the heaviest dependency, confinement to bed and severely impaired mental functions, GIR 6 full autonomy. GIR 1 to 4 open entitlement to the personal autonomy allowance paid by the departments. For insurers, the grid offers an objective definition, set by a third party, which limits disputes; many long-term care policies set their trigger at GIR 1 to 2 for total dependency and GIR 3 to 4 for partial dependency. But the grid was designed to allocate public resources, not to price a risk, and it captures some conditions poorly, notably the cognitive disorders of early Alzheimer's disease; hence policies that combine GIR and activities of daily living.
Hypothetical case: an insured with early-stage Alzheimer's disease walks, washes and eats alone, but gets lost in the neighborhood. Assessed at GIR 4, he receives the departmental allowance; his policy, which requires GIR 1 or 2 for the full annuity, pays only the partial annuity.
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