Claude Forget a été traité pour soigner un Gliome par chirurgie, radiothérapie et chimiothérapie en 2011 et en 2014. Aujourd’hui en rémission, il est patient représentant des usagers bénévole

• responsable de la Commission des usagers de l’ARTC (Association pour la Recherche sur les Tumeurs Cérébrales) depuis sa création en 2018,
• coordonnateur du pôle Vie après le cancer du Site de Recherche Intégrée sur le Cancer CURAMUS dirigé par le Pr. Sanson depuis 2019,
• membre du Groupe de travail AERAS (s’Assurer et Emprunter avec un Risque Aggravé de Santé) qui instruit les demandes d’intégration des pathologies dans la Grille de référence AERAS et les présente pour validation à la Commission de Suivi et de Propositions AERAS placée sous les tutelles du Ministère des Solidarités et de la Santé et du Ministère de l’Économie, des Finances et de la Relance depuis 2021.

He successfully conducted, on behalf of Sicic Curamus the project to integrate meningiomas into the Aeras reference grid.

 

Questions/Answers

Amavea

Question: Since the beginning of the year, people who have or had a meningioma can access bank loans more quickly. Can you tell us who are precisely the beneficiaries and what will change concretely?

Claude Forget

Answer: Indeed, since January 2022, people with brain meningioma can, under certain conditions*, benefit from a reduced period to access borrower insurance, death warranty and total and irreversible loss of autonomy required to guarantee the loan of the bank.

The legal period provided for in the context of the legislation in force on the right to be forgotten is 10 years from the end of therapeutic protocols and without relapse. At the end of this period, the borrower can automatically ignore his illness. This period is 5 years until the 21st anniversary of the borrower.

Ce délai est désormais réduit à 5 ans quel que soit l’âge en application de la Grille de référence AERAS* publiée an janvier 2022. L’emprunteur devra toutefois déclarer le méningiome dont il est atteint et les soins réalisés s’il y en a eu, radiothérapie par exemple.

The people concerned are:

– celles opérées d’un méningiome de Grade 1 traité par chirurgie seule*, environ 1 600 par an,

– celles opérées d’un méningiome de Grade 2 traité par chirurgie seule*, environ 400 par an,

– celles en surveillance IRM périodique non traitées*, leur nombre est difficile à estimer car la découverte du méningiome est très souvent fortuite à l’occasion d’un IRM qui n’est pas nécessairement en relation avec une suspicion de tumeur cérébrale, il peut être évalué à entre 5 000 et 10 000 par an.

By combining these two categories of beneficiaries, we arrive at between 7,000 and 12,000 people who, each year, can benefit from accelerated access to credit up to € 320,000.

In addition, all people diagnosed in the past are also concerned. It is therefore necessary to multiply by 5 these figures and even by 8 for people with a grade 1 meningioma treated by surgery alone because the access period can be reduced to 2 years under certain conditions*.

In total, it is therefore between 40,000 and 65,000 people who today have the possibility of carrying out a life project, whether real estate or professional when they could not so far!

It is a remarkable progress that will allow people in remission to carry out the projects that are close to their hearts much faster.

 

Amavea

Are women who took Androcur, Lentenyl or Luteran and who have developed a meningioma concerned?

Claude Forget

Absolutely, the specific case of these people was debated within the Aeras working group at all meetings devoted to meningiomas. It was decided not to distinguish between victims of meningiomas. Women who have taken one of these drugs therefore benefit from the same rights as all people with meningioma.

 

Amavea

When will these conditions come into force? How should the people concerned go about asserting this new law?

Claude Forget

Right away ! The conditions published in the Aeras reference grid are applicable without any delay. Insurance companies have the obligation to respect the provisions mentioned there because they have the force of law.

Les banques et les compagnies d’assurance diffusent régulièrement des instructions à leurs réseaux d’agence. Si les conditions que je viens de décrire n’étaient pas respectées, l’emprunteur devra le rappeler à son conseiller de clientèle. En cas de nouveau refus, il pourra faire appel à la Commission de médiation de la Convention AERAS **qui rappellera la compagnie d’assurance à ses obligations.

 

Amavea

Not all cancers benefit from such favorable conditions, brain tumors were however considered serious not long ago ...

Claude Forget

You are right. This progress is a very important advance for the quality of life of patients because accessing home care property or carrying out a professional project is an essential life project to find the thread of a normal life.

It is a great message of hope for all the sick and all those who have been.

This proves that remarkable progress in therapeutic management of brain tumors have been made in recent decades thanks to research advances.

Brain tumors and in particular meningiomas are more and more often a chronic disease with which you can live for a very long time.

 

Amavea

How did you get there to get this progress?

Claude Forget

Well, in the extension of the success obtained for people with a pilocytic astrocytoma who have a delay in the right to be reduced since 2018, as a patient representing users, I proposed to Pr. Marc Sanson, neuro oncologist at the Pitié Salpêtrière hospital to submit a request for the integration of meningiomas in the Aeras reference grid.

More specifically, the request was made by the life center after the cancer that I coordinate within Sicic Curamus.

Nous avons construit ensemble un dossier composé d’une description médicale des méningiomes et des données épidémiologiques les plus récentes qui permettent d’évaluer les données de survie.

By the way, these data reveal a vital prognosis for very favorable meningiomas compared to other types of brain tumors.

Based on this file, we have articulated a proposal to shorten the access times to borrower insurance for insurance companies by distinguishing three distinct categories. These are the three categories that are taken up at the start of this interview that were finally retained.

There was a cycle of several work meetings spread over more than a year with the advice doctors and actuaries of insurance companies on the one hand, and, on the other hand, the college of associations, the league against cancer and France Assos Health mainly.

Inca participated in the work to validate the epidemiological data used by the Aeras working group piloted by a president who is attached to the Directorate General of Health. At the end of this process, we have reached the agreement you know now.

I must say that meetings have always been marked by constructive exchanges, the objective being to achieve a proposal accepted by all in a spirit of consensus.

Notre ambition était d’obtenir le meilleur résultat possible pour le maximum de patients atteints de méningiomes, je crois que nous pouvons être raisonnablement satisfaits du résultat.

 

Amavea

You worked with Amavea during the conduct of this project. Can you tell us more and what we can do now?

Claude Forget

Yes, of course we have had frequent exchanges with Madame Mignaton to refine our understanding of the problem posed by meningiomas linked to the taking of synthetic progestins and synthetic estrogens.

These exchanges proved to be precious for the management of the project.

The Amavea association infinitely thanks Claude Forget for its involvement and listening. 

* The reference grid of January 2022

**  Commission de médiation de la Convention AERAS,  4 place de Budapest CS 92459,  75436 PARIS CEDEX 09 

Areas site here: https://www.aeras-infos.fr/sites/aeras/accueil.html