In Spain since 2006 has given legal cover to the needs that are triggered by related illnesses and dependence. Until then only social services, informal supports took care of these people. Currently, it is responsibility of the government, limiting the autonomy of people to be able to become totally dependent on others.

In the current crisis is affecting the European economy and more specifically to the Spanish economy, this protection is at risk of disappearing, due to the many cuts forced by the European recommendations, so more than ever we need to find alternative funding to protect the most vulnerable. And this alternative comes by the private sector by way of individual coverage or employer coverage.  The aim of this paper is to develop the principles and methods of successful coverage of the dependence into the nowadays economical situation in Europe and concretely in Spain.

At the individual coverage, the alternative is clear in providing financial products or property conversion by the private sector although in other countries such as France, UK and Germany have insurance product to cover the dependence as in United States, which has the longest tradition in producing this kind of products. But in Spain the insurer has not been too successful to protect these contingencies, because -among other arguments- there was no legal security to do so.

The Spanish government has chosen to amend certain laws such as the Mortgage with the goal of providing real estate feasibility conversion operations such as reverse mortgages.

At the employer coverage one of the safest ways is through an employment pension scheme. With this kind of coverage there is not a double benefit when the employee becomes retired and a dependent beneficiary.