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Resources and FAQs

Resources

Frequently Asked Questions

  1. What is the difference between ElderShield, MediShield Life, CPF LIFE and Interim Disability Assistance Programme for the Elderly (IDAPE)?

    ElderShield, MediShield Life, CPF LIFE and IDAPE are Government administered national schemes, but they serve different purposes. They complement each other in providing protection against different types of healthcare and retirement expenses.

    • ElderShield is a long-term care insurance scheme. It insures Singaporeans against the risks of requiring long-term care due to severe disability. It provides monthly cash payouts if the policyholder is severely disabled, up to a maximum of 5 or 6 years.
    • MediShield Life is a universal healthcare insurance scheme. It insures Singaporeans from birth, against the risk of illness that result in large hospital bills and selected costly outpatient treatments.
    • CPF LIFE is the national annuity scheme, which insures Singaporeans against the risk of outliving their retirement savings. Under CPF LIFE, members will receive a monthly payout from their payout eligibility age, for as long as they live.
    • IDAPE is a government assistance scheme providing financial help to needy and disabled elderly Singaporeans who were not eligible to join ElderShield when it was launched in 2002 because they had exceeded the maximum entry age or had pre-existing disabilities.
  2. What are the likely causes of severe disability?

    Severe disability could have many causes. Examples include:

    • A sudden event such as stroke or spinal cord injuries
    • Progression of illnesses such as Parkinson’s Disease, Alzheimer’s Disease and other causes of dementia, multiple sclerosis, or chronic conditions such as diabetes
  3. Who is eligible to join ElderShield?

    Today, all Singapore Citizens and Permanent Residents with MediSave accounts are auto-enrolled into ElderShield at the age of 40, and they can choose to opt out.

    For auto-enrolled policyholders, there will be no exclusions for pre-existing medical conditions like diabetes or hypertension. However, if you opt out and wish to opt back in later, you will be subject to a medical assessment, during which your applications may be rejected by the insurers if you have pre-existing medical conditions.

    Pre-existing severe disabilities are not covered. If you are severely disabled, you are advised to make a declaration when you receive your Welcome Letter for auto-enrolment from your ElderShield insurer. This is because those with pre-existing disabilities will not be eligible for claims. Any premiums already collected will be refunded.

    A small group of seniors who were not eligible for ElderShield when it was launched in 2002 (because they were aged 70 and above in 2002 or had pre-existing disabilities then) are eligible for the Interim Disability Assistance Programme for the Elderly (IDAPE).

  4. Am I covered by ElderShield or Supplements? How do I find out which ElderShield plan, Supplement or insurer I am covered under?

    To check for ElderShield or Supplement coverage You can check for your ElderShield or Supplement coverage through the CPF Board’s website. The steps are as follows:

    • Go to www.cpf.gov.sg.
    • Login to “my CPF Online Services” using your NRIC and SingPass.
    • Select “My Messages”, and check under “Healthcare” section.

    If you are covered under ElderShield or Supplements, this section will let you know the ElderShield insurer you are covered under (i.e. Aviva, Great Eastern, or Income). If you are not covered under ElderShield, the CPF website will not reflect any information on ElderShield. Please note that your Supplement insurer may not be the same as your ElderShield insurer.

    To check for type of ElderShield or Supplement plan

    You will need to contact your ElderShield insurer directly to find out which ElderShield plan (i.e. ESH300 or ESH400) you are covered under. Their contact details can be found here.

    * If you are not covered under ElderShield, the CPF website will not reflect any information on ElderShield. Please note that your Supplement insurer may not be the same as your ElderShield insurer.

  5. If I am not covered by ElderShield but want to be, how can I receive coverage?

    If you are between the ages of 40 and 65, and wish to be covered by ElderShield, please approach any ElderShield insurer (i.e. Aviva, Great Eastern or Income) to request coverage. All three insurers offer the same premiums and payouts under ElderShield. You will be required to go through a medical assessment. Your application could be rejected by the insurer if you have a pre-existing medical condition.

  6. What are the benefits of the current ElderShield scheme?

    ElderShield is a basic long-term care insurance scheme targeted at severe disability, especially in old age. ElderShield provides monthly payouts of $300 or $400 per month, for up to 5 or 6 years. Your plan’s benefits depend on when you joined ElderShield.

    If you joined ElderShield after September 2007: If you joined ElderShield between September 2002 and August 2007
    Payout Amount $400 / month $300 / month
    Payout Duration Up to 72 months (6 years) Up to 60 months (5 years)

    If you are also covered under ElderShield Supplements, you will receive additional benefits.

  7. Can I still join ElderShield now/after CareShield Life is launched in 2020?

    If you were born in 1980 or later, you will be covered by CareShield Life from 2020 onwards. ElderShield will not be applicable for you.

    If you were born in 1979 or earlier and are no longer covered by ElderShield, you can still apply to join the ESH400 scheme now, subject to medical underwriting by the private insurers.

    From 2021 onwards, once CareShield Life is made available for those born in 1979 or earlier, you can choose to join CareShield Life if you are not severely disabled then. The ElderShield scheme will also be closed to new applications thereafter.

  1. Is CareShield Life mandatory?

    CareShield Life will be universal and mandatory for all future cohorts i.e. those born in 1980 or later. This will ensure that all Singaporeans, including those who are more vulnerable (e.g. the lower-income and those with pre-existing severe disabilities), have basic protection for long-term care needs. Including these groups will strengthen Singapore’s social compact and is consistent with our values as an inclusive and caring society. Many Singaporeans whom were engaged in earlier focus groups discussions recognised its merit and supported this approach.

    Including these groups strengthens our social compact and is consistent with our values as an inclusive and caring society. Many Singaporeans who were engaged in earlier focus groups discussions recognised its merit and supported this approach.

    A universal scheme allows those with pre-existing disabilities, who will otherwise not be able to enjoy coverage, to be included. If the scheme is optional, vulnerable groups like the low-income may also drop out of the scheme because of an inability to pay. Some low-income policyholders do have their ElderShield policies lapseas the years pass as they are not able to make their premium payments.

    Under CareShield Life, the Government will support Singaporeans who are unable to afford their premiums, so that no one will lose their coverage due to financial difficulties.

  2. Universal coverage for CareShield Life will apply to future cohorts, while existing cohorts will have the option to join CareShield Life. Am I part of the future cohort or existing cohort?

    Universal coverage for CareShield Life will apply to future cohorts, while existing cohorts will have the option to join CareShield Life.

    Future Cohorts refer to Singapore Residents born in 1980 or later. Those born in 1980 to 1990 (aged 30-40 in 2020) will be covered by CareShield Life in 2020, and those born in 1991 and after will be covered by CareShield Life when they turn 30.

    Existing cohorts refer to those aged above 40 upon scheme launch (born 1979 or earlier). Healthy individuals in existing cohorts will be encouraged to participate in CareShield Life, but it will remain optional for them.

  3. Why is there a need to start CareShield Life at age 30?

    Starting the CareShield Life premium payment term at age 30, and ending at age 67 allows a longer period for premium payments to be spread over compared to the current ElderShield scheme in which policyholders pay premiums from age 40 until age 65. A longer duration of premium payment allows policyholders to spread premium payment over more years, so as to reduce annual premiums payable. Consequently, policyholders will benefit from additional years of coverage starting from age 30.

    By the age of 30, most Singaporeans would have started working and many would have worked for a few years. It is also a good time to start planning for their long-term care needs. They would have started contributing to their MediSave, and should be able to cover their CareShield Life premiums without out-of-pocket expenses.

    Many participants at the ElderShield Review Committee’s focus group discussions also felt that they could start paying premiums after they have started working and achieved some financial stability, and suggested ages ranging from age 25 to age 35.

  4. With the recommendation to start CareShield Life coverage at age 30, would those aged between 30 and 40 be required to join CareShield Life?

    Singaporeans born in 1980 or later will be covered under CareShield Life when the scheme is launched in 2020.

    Those born in 1980 to 1990 (aged 30-40 in 2020) will be covered by CareShield Life in 2020, and those born in 1991 and after will be covered by CareShield Life when they turn 30.

  5. What do I need to do to join CareShield Life if I am part of the future cohort (born 1980 or later)?

    You do not need to take any action now. Your CareShield Life policy will automatically commence. The Government will notify you of the exact policy commencement date. No action is required on your part. More details will be released closer to the implementation date.

  6. I am currently disabled. Can I still benefit from CareShield Life?

    CareShield Life will cover all Singapore Citizens and Permanent Residents in the future cohorts, including those who have pre-existing severe disability. You will be able to benefit after you are enrolled into CareShield Life. More details will be released close to the implementation date.

  7. Why should I pay for the inclusion of those with pre-existing disabilities (in the future cohorts) into CareShield Life?

    Including those with pre-existing severe disabilities will strengthen collective responsibility and is fundamental to the inclusive and caring society Singaporeans seek to build. Less than 0.1% of Singaporeans aged 30 – 40 are estimated to have pre-existing severe disability. Hence, the cost of covering those with pre-existing severe disability amongst future cohorts does not have a significant impact on premiums.

  8. I have pre-existing severe disabilities. Will I need to pay premiums for CareShield Life?

    All future cohorts (those born in 1980 or later), including those with pre-existing disabilities in these cohorts, will be able to enjoy protection under CareShield Life, regardless of your ability to pay premiums.

    As part of collective responsibility, those with pre-existing disabilities should contribute one premium payment to join the scheme. The payment amount is less than the first monthly CareShield Life payout you will receive. Upon joining the scheme, you will continue to receive monthly payouts for as long as you remain severely disabled.

    The Government will provide means-tested premium subsidies, and Additional Premium Support to help those who are still unable to afford premiums even after subsidies. Claims will be paid out as long as policyholders meet the claims criteria.

  9. I am part of the future cohort and am terminally ill but not severely disabled. Can I be exempted from CareShield Life?

    As CareShield Life is universal for all future cohorts, there are no exemptions. As long as you are covered by CareShield Life, you can still receive payouts in the event of severe disability.

    The Government will support Singaporeans who are unable to afford their premiums, so that no one will lose their coverage due to financial difficulties.

  10. When will CareShield Life be implemented? Which are the cohorts that will be affected by universal coverage?

    Universal coverage for CareShield Life will apply to future cohorts, while existing cohorts will have the option to join CareShield Life.

    Future Cohorts refer to Singapore Residents born in 1980 or later. Those born in 1980 to 1990 (aged 30-40 in 2020) will be covered by CareShield Life in 2020, and those born in 1991 and after will be covered by CareShield Life when they turn 30.

    Existing cohorts refer to those aged above 40 upon scheme launch (born 1979 or earlier). Healthy individuals in existing cohorts will be encouraged to participate in CareShield Life, but it will remain optional for them.

  11. Why call the enhanced scheme “CareShield Life”?

    The Government agrees with the ElderShield Review Committee that the new name will better signal the intent of the scheme to provide lifetime protection for long-term care. The Government is therefore supportive of the recommendation to name the enhanced scheme “CareShield Life”.

    The current ElderShield scheme will continue to be known as “ElderShield”.

  1. Will I be able to join or upgrade to CareShield Life? What processes do I need to undergo to join CareShield Life?

    You can join CareShield Life if you are not severely disabled (i.e. unable to perform 3 or more ADLs) when the scheme commences for existing cohorts in 2021. Details of the application process will be provided at a later date. Some applicants may need to undergo a disability assessment. Applicants will be informed if they need a disability assessment.

    To make joining CareShield Life more convenient, Singapore Residents born in 1970 to 1979 will be auto-enrolled in CareShield Life in 2021, if they are insured under the ElderShield 400 scheme and are not severely disabled when the scheme commences for existing cohorts in 2021. They can opt out of CareShield Life by 31 Dec 2023 if they do not wish to join the scheme.

  2. Why is universal coverage not extended to existing cohorts? Does this mean that those with pre-existing severe disabilities cannot join the scheme?

    Existing cohorts (those born in 1979 or earlier) have diverse profiles - some may have previously opted out of ElderShield, or decided not to upgrade to ElderShield. Other could have bought Supplements or insurance plans. Existing cohorts would also likely face higher entry premiums as they have fewer years to spread their premium payment over. The prevalence of those who are already severely disabled in the older cohorts is also much higher, which would make it harder to cover everyone while still keeping premiums affordable. Hence, universal coverage was not extended to existing cohorts.

    Those in the existing cohorts who are already severely disabled will not be able to join CareShield Life. The Government will help them through other ways e.g. Government subsidies and other Government schemes such as the Seniors’ Mobility and Enabling Fund. They can also tap on their MediSave savings and ElderFund from 2020.

    Government-funded safety nets such as MediFund, ComCare can also provide further assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support.

  3. I am severely disabled. Can I join CareShield Life?

    Singaporeans who were born in 1979 or earlier and are already severely disabled will not be eligible for CareShield Life.

    If you are on ElderShield, you can make claims for up to 6 years. If you are not on ElderShield, you may wish to tap on means-tested Government subsidies and various Government assistance schemes to complement your personal savings and family support, in meeting your long-term care needs. You could also tap on your MediSave savings and ElderFund from 2020.

    Government-funded safety nets such as MediFund, ComCare can provide further assistance if you are unable to pay for your care even after Government subsidies and other means of support.

  4. Can I join CareShield Life if I have pre-existing medical conditions and/or pre-existing mild/moderate disabilities?

    You can join CareShield Life if you are not severely disabled (i.e. unable to perform 3 or more ADLs) when the scheme commences for existing cohorts (born in 1979 or earler) in 2021.

    Details of the application process will be provided at a later date. Some applicants may need to undergo a disability assessment. Applicants will be informed if they need a disability assessment.

  5. The current ElderShield scheme has a maximum entry age of 64 years old. Can Singaporeans who are older join CareShield Life?

    There will not be any maximum entry age for CareShield Life.

  6. Can I withdraw from the CareShield Life scheme after joining?

    To make joining CareShield Life more convenient, Singapore Residents born between 1970 and 1979 will be auto-enrolled in CareShield Life in 2021, if they are insured under the ElderShield 400 scheme and are not severely disabled when the scheme commences for existing cohorts in 2021. If you are auto-enrolled, you can opt out of CareShield Life by 31 Dec 2023 if you do not wish to join the scheme.

    Those who are not auto-enrolled can choose to join CareShield Life from 2021 onwards. If you are in this group, you will have a 60-day free-look period from the commencement of your CareShield Life coverage, for you to consider your decision.

    The Government will provide participation incentives of up to $2500 to all Singapore Citizens from existing cohorts who join CareShield Life in the first two years from 2021.

    The Government will also provide means-tested premium subsidies and Additional Premium Support to those who join CareShield Life, to ensure that no one who joins the scheme loses coverage due to financial difficulties. For this reason, after the applicable opt-out/free-look periods, CareShield Life policyholders will not be able to withdraw from the scheme.

  7. Will I be auto-enrolled? Do I need to undergo disability assessment before auto-enrolment?

    To make joining CareShield Life more convenient, Singapore Residents born in 1970 to 1979 will be auto-enrolled in CareShield Life in 2021, if they are currently insured under the ElderShield 400 scheme and are not severely disabled when the scheme commences for existing cohorts in 2021. If you are auto-enrolled, you can opt out of CareShield Life by 31 Dec 2023 if you do not wish to join the scheme, and your premiums will be refunded.

    The Government will make use of existing data from the insurers and the Agency for Integrated Care (AIC) on current claimants from ElderShield/current recipients of disability grant schemes, to determine who is already severely disabled.

  8. Should I opt into/out of ElderShield before CareShield Life starts in 2020?

    It is useful to have basic protection for long-term care.

    There is no need to opt out of ElderShield. Remaining on ElderShield will ensure that you continue to have basic protection for long-term care should severe disability occur before CareShield Life is launched. ElderShield premiums that ElderShield policyholders have paid will be taken into account when computing their CareShield Life premiums. CareShield Life will be optional for existing cohorts (Singaporeans born in 1979 or earlier) from 2021, regardless of ElderShield status.

    Those under the age of 64 who had opted out of ElderShield can choose to opt back into ElderShield between now and the launch of CareShield Life for existing cohorts in 2021, to receive basic protection for long-term care. You will need to approach one of the three private insurers that administer ElderShield, and you will be required to go for a medical assessment.

  9. Should I upgrade to/join CareShield Life? What should I base my decision on?

    The Government encourages Singaporeans in existing cohorts who are not severely disabled to consider joining CareShield Life to ensure they have basic protection for long-term care. To ensure that CareShield Life premiums are affordable, the Government will provide several premium support measures for existing cohorts (born 1979 or earlier) when the scheme is launched. For more details on the premium support measures, please click here.

    More details on premiums for existing cohorts will be available via a premium calculator by the end of 2018. In the meantime, you may wish to refer here for information on your estimated premiums and premium support. You may also wish to speak to your financial advisor.

  10. With the new CareShield Life, what will happen to my current ElderShield and Supplement plans?

    Your current ElderShield and Supplement plans will continue to protect you. You will continue to pay the same premiums and enjoy the same benefits for as long as you are covered. If you are healthy and wish to join CareShield Life, you may choose to do so from 2021 onwards. The Government will share more details on measures to encourage existing policyholders to join CareShield Life.

  11. Should I join CareShield Life if I already have an existing Supplement plan that provides similar coverage, e.g. lifetime payouts?

    Existing policyholders’ Supplement plans will not be affected. They will continue to pay the same premiums and enjoy the same benefits for as long as they are covered. The Government will work with insurers to review the design of Supplements, taking into account the features of CareShield Life.

  12. When will CareShield Life be implemented for my cohort?

    Existing cohorts born in 1979 or earlier who are not severely disabled can join CareShield Life from 2021.

  1. How was the starting payout of $600 per month (in 2020) decided?

    Long-term care costs vary depending on one’s care needs and arrangements. How one finances these costs also vary, depending on one’s financial resources.

    In deciding the enhanced payouts, the ElderShield Review Committee took into account the basic long-term care costs for a range of services and settings; other sources of long-term care funding, such as Government subsidies and assistance schemes, community support, personal savings, family support and Government-funded safety nets e.g. MediFund or ComCare; as well as the need to balance benefits and premium affordability. As part of the overall enhancements to long-term care financing, CareShield Life will provide better protection and assurance to Singaporeans for their basic long-term care needs.

    Singaporeans who wish to have additional coverage may consider supplementing their basic CareShield Life insurance with Supplements from the private insurers.

  2. What will be the rate of payout increase and will increases happen annually? Why is the rate of increase in payouts not guaranteed?

    The rate of premium and payout increases will have to be reviewed regularly based on actuarial principles, taking into account factors like changes in claims experience and longevity. This is important to keep the fund sustainable.

    An independent council will be set up to regularly review these trends and advise the Government on premium and payout adjustments in accordance with an actuarially sound adjustment framework. Actual future premiums and payouts will vary depending on the regular adjustments.

    To give Singaporeans greater certainty in the first five years, payouts and premiums will each increase by 2% per year.

  3. Why do CareShield Life payouts stop increasing once policyholders stop paying premiums e.g. when they make a claim or turn 67? Why not allow payouts to increase after 67/during their claim period as well?

    Payout increases will need to be supported by premium adjustments, to keep the scheme sustainable. Those who wish to have payouts that increase for life may opt to purchase Supplements. Insurers may also wish to take note of the CareShield Life features when designing Supplements.

    CareShield Life payouts should also not be seen in isolation, but complements existing Government subsidies, Government assistance schemes, community support, personal savings and family support, to better enable Singaporeans to afford their basic long-term care costs. From 2020, they can also make monthly cash withdrawals of up to $200 from their MediSave savings.

    For Singaporeans who are unable to pay for their care even after Government subsidies, CareShield Life payouts and personal savings, there are Government-funded safety nets such as MediFund or ComCare which can provide assistance

  4. CareShield Life is still targeted at those with severe disability i.e. unable to perform three or more Activities of Daily Living. Why was this retained?

    CareShield Life is targeted at severe disability, so that premiums can be kept affordable for all policyholders.

    Singaporeans with mild or moderate disabilities who need long-term care, can tap on means-tested Government subsidies for long-term care services, as well as other Government assistance schemes (e.g. the Seniors’ Mobility and Enabling Fund) to complement their personal savings and family support.

    Government-funded safety nets such as MediFund / ComCare can also help these Singaporeans pay for their long-term care costs, should they be unable to afford long-term care services.

    Singaporeans who wish to cover themselves for less severe disabilities can consider purchasing Supplements from the private insurers.

  1. Why was the premium payment term extended from age 65 to age 67? Will the premium payment end age go up further based on the prevailing re-employment age?

    Starting the CareShield Life premium payment duration at age 30, and ending at age 67, lengthens the premium payment duration. A longer duration of premium payment allows policyholders to spread premium payment over more years, so as to reduce annual premiums payable.

    The premium payment end age will be set taking into account any changes to the re-employment age in future. Ample notice will be given to cohorts who are affected by any changes to the premium payment end age.

  2. Why not extend premium payment for life, like MediShield Life?

    The Government agrees with the ElderShield Review Committee’s assessment that lengthening the premium payment duration by bringing down the start age to age 30 and extending the end age to 67 is sufficient to improve CareShield Life premium affordability, while still keeping premium payment largely during one’s working years.

  3. What will be the CareShield Life premiums when a 30-year-old today reaches 67 years old? Is the increase fixed at 2% a year?

    For future cohorts, starting premiums vary by joining age and gender. Premiums are designed to increase regularly to support the regular increase in payouts. The schedule of premium increases is not fixed, and will be regularly reviewed by an independent council to ensure the sustainability of the scheme.

    As an illustration, for a 30-year-old who joins the CareShield Life scheme upon scheme launch, his premiums would increase from $17/month to $36/month when he reaches 67 years old, assuming a non-guaranteed 2% premium increase per annum. His payouts would have correspondingly increased from $600/month at scheme launch to around $1,200/month. Actual future premiums and payouts will vary depending on the adjustment each year.

    However, to provide greater assurance to Singaporeans, for the first five years of scheme implementation, payouts and premiums will both increase by 2% per year.

  4. How often will the premiums increase? Is there a maximum increase in premiums in a single year?

    Annual increases in CareShield Life payouts help protect the value of CareShield Life payouts over time. This needs to be supported by annual increases in CareShield Life premiums. To give Singaporeans greater certainty in the first five years, payouts and premiums will each increase by 2% per year.

    An independent council will be set up to regularly review these trends and advise the Government on CareShield Life premium and payout adjustments in accordance with an actuarially sound adjustment framework. The Government will consider affordability of premiums when reviewing the council’s advice on premium adjustments.

  5. What Government subsidies or incentives are available to help me with my CareShield Life premiums? Will there be transitional subsidies, like MediShield Life?

    To ensure that CareShield Life premiums are affordable, the Government has committed to provide several premium support measures when the scheme is launched:

    • Means-tested subsidies of up to 30% of premiums of CareShield Life, for Singapore Residents. The detailed subsidy rates are in the table below.
    • Transitional subsidies for the first 5 years from launch of CareShield Life for Singapore Citizens in the future cohorts (born 1980 or later), to ease their transition into the scheme.
    • Participation incentives of up to $2500 to encourage existing cohorts born 1979 or earlier to join CareShield Life within the first two years after the scheme is available for sign ups in 2021.
    • Additional Premium Support for Singaporeans who are unable to pay their CareShield Life premiums even after premium subsidies, so that no one will lose coverage under CareShield Life due to their inability to pay premiums.
    • You may wish to refer here for information on estimated premiums and premium support.
  6. What are my premiums when I enrol in CareShield Life?

    You can refer here for the estimated premiums and premium support.

    More details on premiums for all ages will be released via a premium calculator on www.careshieldlife.sg by the end of 2018. For subsidies and premium support, please refer here.

  7. Why are premiums for females higher although their payouts are the same as males?

    Women tend to live longer. As individuals are more likely to get severely disabled in old age, women end up having an overall higher chance of becoming severely disabled because women live longer. In 2017, the average life expectancy at birth for women was 85.2 years as compared to 80.7 years for men. 3 in 5 healthy women at age 65 are expected to become severely disabled, compared to 2 in 5 healthy men at age 65.

    At the older ages, when disability is likely to take place, women are also more likely to remain in disability for a longer time than men. However, men and women pay premiums over the same duration of time, so premiums for women will need to be higher, to account for their higher likelihood and quantum of claims.

    The Government will provide premium subsidies and support based on policyholder’s financial circumstances to ensure premiums are affordable regardless of gender. Since females have higher premiums, females will receive larger dollar quantum of means-tested subsidies, which are designed to be a percentage of premiums.

  8. What happens if I do not pay premiums I owe?

    With universal coverage under the CareShield Life scheme, policyholders are responsible for paying their premiums, as part of our overall collective responsibility in meeting our long-term care needs.

    With Government support in the form of Means-tested premium subsidies and Additional Premium Support, no one will lose CareShield Life coverage due to financial difficulties.

    However, policyholders would need to be responsible for paying their CareShield Life premiums, as part of our overall collective responsibility in meeting our long-term care needs. Premium defaults, if not fully settled, would lead to a bad debt for the scheme, and would need to be shouldered by other policyholders in the form of higher premiums. Suitable premium recovery measures and penalties may be enforced for the small minority who are able to pay, but wilfully default on their premiums.

  9. What will happen to my premiums that I paid should I pass away before claiming? Will the monies be returned to my family?

    There is no death benefit for the CareShield Life scheme. As such, there will be no payouts upon policyholders’ passing. If you wish to obtain insurance that provides death benefits, you may purchase Supplements that provide this option.

  10. How will Singaporeans’ eligibility for CareShield Life Means-tested premium subsidies be assessed?

    Means-tested premium subsidies will depend on Singaporeans’ household per capita income, the annual value of his or her residence, and the number of properties owned. Lower- and lower-middle-income Singaporeans who own no more than 1 property, and live in residences with annual values up to $21,000 will be eligible for Means-tested premium subsidies.

  11. What is Additional Premium Support and who can qualify?

    Additional Premium Support is designed to help Singaporeans who cannot afford CareShield Life premiums even after premium subsidies, MediSave and have no family support to rely on.

    No one will lose coverage due to financial difficulties.

  12. I am currently receiving Additional Premium Support under MediShield Life. Would I be given Additional Premium Support under CareShield Life? Do I need to apply again?

    Additional Premium Support is designed to help needy Singaporeans who cannot afford to pay their premiums, even after premium subsidies and have no family support to rely on. If you are unable to pay your CareShield Life premiums, the Government will assess your financial circumstances if you are eligible for Additional Premium Support. Similar to MediShield Life, no one will lose their CareShield Life coverage due to financial difficulties.

  13. What is the difference in treatment between Singapore Citizens and Permanent Residents for CareShield Life premium subsidies?

    For Means-tested premium subsidies, Permanent Residents will receive half the Means-tested premium subsidy rates applicable to Singapore Citizens, in line with MediShield Life.

    Only Singapore Citizens will receive transitional subsidies or participation incentives.

  14. When can I expect more information on my premiums so I can make a decision?

    You can refer here for the estimated premiums and premium support.

    More details on premiums for all ages will be released via a premium calculator online by the end of 2018.

  15. How can I estimate my premiums from the archetypes that the Government has released?

    While the archetype premiums can give existing cohorts a sense of what their premiums may be like, each individual’s actual premiums will differ due to differences in age, whether an individual is currently insured under ElderShield 300, 400, or uninsured, as well as the effect of means-tested subsidies and age-tiered participation incentives.

    More details on premiums for all ages will be released via a premium calculator online by the end of 2018.

  16. Will the premiums I had already paid under ElderShield be taken into account when I join CareShield Life? How about the premiums I had paid for Supplements?

    ElderShield premiums that ElderShield policyholders have paid will be taken into account when computing their CareShield Life premiums - the CareShield Life base premium takes into account the premiums existing ElderShield 400 policyholders in their cohort have already paid for ElderShield.

    Existing ElderShield 300 policyholders, as well as those not insured under ElderShield, will pay an additional catch-up component over a period of 10 years, as they would not have paid as much premiums as those in their same cohort who are insured under ElderShield 400. The premiums that ElderShield 300 policyholders have already paid will be taken into account when computing their catch-up component.

    ElderShield Supplement premiums will not be taken into account when computing CareShield Life premiums. Eldershield Supplements provide coverage beyond ElderShield, and their benefits will continue to be recognised even if an ElderShield policyholder upgrades to CareShield Life, as long as the policyholder continues paying his Supplement premiums and does not terminate his Supplement coverage.

  17. What if I do not have sufficient MediSave to pay for premiums?

    To ensure that CareShield Life premiums are affordable, the Government will provide several premium support measures for existing cohorts (born 1979 or earlier) when the scheme is launched:

    • Means-tested premium subsidies of up to 30% of premiums of CareShield Life, to help lower- to middle-income households.
    • Participation incentives of up to $2500 to encourage existing cohorts to join CareShield Life within the first two years after the scheme is available for sign ups in 2021.
    • Additional premium support for Singaporeans who are unable to pay their CareShield Life premiums even after premium subsidies, so that no one will lose coverage under CareShield Life due to their inability to pay premiums.
    You may wish to refer here for information on estimated premiums and premium support.
  18. Why are there no subsidies for the catch-up component?

    All Singaporeans in existing cohorts who join CareShield Life will pay a base premium that takes into account the premiums existing ElderShield 400 policyholders in their cohort have already paid for ElderShield. This base premium is eligible for Government subsidies. Existing ElderShield 300 policyholders as well as those not insured under ElderShield pay an additional catch-up component. The catch-up component is not subsidised to ensure parity in premium subsidies across different groups of existing cohort members

    Nonetheless, for those who are unable to pay for their CareShield Life premiums even after premium subsidies, the Government will provide Additional Premium Support, so that no Singaporean who joins CareShield Life loses coverage due to financial difficulties.

  19. Can I choose to receive the participation incentive as one lump sum?

    The participation incentive is meant to encourage existing cohorts to join CareShield Life by helping to off-set the annual premiums payable. As such, the Government has designed it to be spread over 10 years of premium payment.

  20. If I reside overseas, can I suspend premium payment?

    CareShield Life will provide cash payouts in the event of severe disability. Today, overseas Singaporeans are able to file ElderShield claims from abroad and receive payouts to support their care costs wherever they may be. This applies even for those who have permanently relocated abroad. This will continue to apply for CareShield Life. Hence, premium payments for overseas Singaporeans cannot be suspended.

  1. Will the Government administer both CareShield Life and the current ElderShield schemes? Which agencies are going to be administer them?

    The Government will administer CareShield Life and will work with agencies with a good record in implementing insurance and long-term care support schemes to administer CareShield Life - this includes the Central Provident Fund Board (CPFB) and the Agency for Integrated Care (AIC), to operationalise CareShield Life.

    The Government is still reviewing the administration of the current ElderShield scheme, and will share more information when ready. Meanwhile, Singaporeans’ current ElderShield and Supplement policies will not be affected.

  2. Will the Government be more lenient in its underwriting and claims processes compared to the insurers if it administers the scheme?

    CareShield Life will still be targeted at severe disability, i.e. no change from today’s criteria for the current ElderShield schemes. However, as a single administrator, the Government could achieve better consistency in the implementation of underwriting and claims processes across policyholders.

  1. What are Supplements?

    ElderShield policyholders who wish to have higher coverage (e.g. higher payouts, longer payout duration) can consider purchasing Supplements from any of the ElderShield insurers. Supplement premiums can be paid using MediSave, up to a limit of $600 per calendar year per person insured.

    Premiums for Supplements range widely and are commensurate with the type of benefits they offer. Singaporeans may refer to individual Supplement plans here for more information.

    You can check for your Supplement coverage through the CPF Board’s website. The steps are as follows:

    • Go to www.cpf.gov.sg.
    • Login to “my CPF Online Services” using your NRIC and SingPass.
    • Select “My Messages”, and check under “Healthcare” section.

    If you are covered under ElderShield or Supplements, this section will let you know the insurer your Supplement is under (i.e. Aviva, Great Eastern, or Income).*

    * If you are not covered under ElderShield, the CPF website will not reflect any information on ElderShield. Please note that your Supplement insurer may not be the same as your ElderShield insurer.

  2. I am part of the future cohort (born 1980 or later). If I buy private insurance products/Supplements similar to CareShield Life, can I be exempted from universal coverage?

    CareShield Life will be universal for all future cohorts (i.e. those born in 1980 or later). Private insurance can still play a complementary role by providing additional benefits above and beyond such basic coverage.

  3. Will the Supplement premiums that I have already paid, be taken into account when I join CareShield Life?

    Supplement products are strictly run by the private insurers and the premiums that have already been paid for Supplements will not be taken into account when you upgrade to CareShield Life. These Supplement policies will stay in-force as long as you continue to contribute premiums and do not terminate their coverage.

    Nonetheless, ElderShield premiums that ElderShield policyholders have paid will be taken into account when computing their CareShield Life premiums.

  4. What happens if I stop paying for my Supplement if I join CareShield Life?

    Generally, Supplement plans will lapse if policyholders stop paying premiums. Please refer to your specific Supplement policy documents or consult your insurer for more information.

  5. When should I buy Supplements? Where can I seek advice on which to buy?

    If you are currently insured on ElderShield, you may consider whether the benefits of the current ElderShield scheme suits your long-term care preferences. If you wish to have additional coverage or benefits on top of the ElderShield scheme, you may consider purchasing a Supplement plan.

    You may refer to here for a comparison of Supplement plans offered by private insurers (Aviva, Great Eastern, or Income).

    You may also wish to speak to a financial advisor from one of the private insurers who can share more about their Supplement plans.

  1. Who is eligible for ElderShield claims?

    If you are covered by ElderShield, you will be eligible for claims if you are as assessed to be severely disabled. This means that you must be unable to perform three or more of the following Activities of Daily Living (ADLs):

    • Washing – the ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.
    • Dressing – the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.
    • Feeding – the ability to feed oneself food after it has been prepared and made available.
    • Toileting – the ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.
    • Mobility – the ability to move indoors from room to room on level surfaces.
    • Transferring – the ability to move from a bed to an upright chair or wheelchair, and vice versa.
  2. How do I make a claim under ElderShield?

    You may obtain a copy of the claim form and list of appointed assessors from the insurer's website. Please fill up the claim form and have your condition assessed by an appointed assessor. The assessor will complete the assessment form and return it to your insurer for processing. You can also contact your ElderShield insurer for details and advice:

    • Aviva (Hotline no: 6827-7788)
    • Great Eastern (Hotline no: 1800-248-2888)
    • Income (Hotline no: 6332-1133)

    The claim forms and lists of appointed assessors can be found here.

  3. Can I see my own doctor or therapist to be assessed for ElderShield/ CareShield Life claims?

    Currently, in order to be assessed for ElderShield claims, policyholders will need to see an appointed ElderShield assessor, who will complete the ElderShield disability assessment for them. If they are staying in a nursing home, they may approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the ElderShield assessment.

    For CareShield Life, the Government intends to recognise the equivalent assessment that has already been done by a qualified healthcare professional providing care to the policyholder. In such cases, a separate assessment by an ElderShield assessor will not be required. The Government will study how to operationalise the change and update on the implementation details when ready.

  4. Do I have to bear the cost of disability assessment?

    Today, the ElderShield disability assessment fee is only waived by insurers if the claim outcome is successful.

    Moving forward, for CareShield Life, the first assessment fee will be waived regardless of whether the claim is successful.

  5. How will cognitive impairments be better recognised under the revised disability assessment framework? Does this mean someone with dementia will automatically qualify for CareShield Life?

    The ElderShield disability assessment today focuses on evaluating an individual’s ability to physically perform Activities of Daily Living (ADLs).

    While it states that an individual’s cognitive capacity should be taken into consideration when assessing ADL ability, it is not clear how assessors should do so consistently.

    The Government is modifying the disability assessment framework for CareShield Life, so that the impact of cognitive impairments on functional ability can be explicitly taken into account. The Government will study how to operationalise the change and update on the implementation details when ready.

    Policyholders with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for CareShield Life claims, as their functional abilities may be affected in varying degrees by their cognitive impairment.

  6. If my GP / my nursing home has assessed that I am disabled, why do I still need to visit an accredited GP for assessment? Can the pool of assessors be expanded to include any Singapore-registered doctor, therapist or nurse?

    Currently, in order to be assessed for ElderShield claims, you will need to see an appointed ElderShield assessor, who will complete the ElderShield disability assessment for you. If you are staying in a nursing home, you may approach your nursing home for assistance to submit the Resident Assessment Form in place of the ElderShield assessment.

    The Government is supportive of the ElderShield Review Committee’s recommendation to expand the pool of assessors from doctors today to other certified healthcare professionals such as Occupational Therapists, Physiotherapists and Nurses, for CareShield Life. This will allow policyholders receiving care from long-term care providers to be assessed more easily.

    However, even with the expanded pool of assessors, the Government needs to ensure that robust mechanisms are in place to ensure that disability assessments are conducted with a high degree of rigour and consistency, through regular audits. This is to prevent fraudulent claims, which have an impact on premiums for everyone.

  7. I am receiving other disability assistance schemes such as Pioneer Generation Disability Assistance Scheme (PG-DAS) or Foreign Domestic Worker Grant (FDWG). Why can’t I qualify for ElderShield claims?

    The ElderShield claims criterion is stricter given that ElderShield is intended for severe disability, whereas the other schemes such as PG-DAS and FDWG are meant for moderate disability. This means that individuals should demonstrate that they require significantly more assistance for the three Activities of Daily Living before qualifying for ElderShield payouts. Nonetheless, the Government recognises that it is possible to establish some equivalence across select disability assessment tools, and is currently studying how this can be done without compromising the robustness of the ElderShield claims assessment process.

  8. What kind of other functional assessment tools will be considered for ElderShield/ CareShield Life assessments?

    The Government is looking into how to recognise functional assessment tools which are well-recognised and commonly used in the healthcare and long-term care sectors, for example the Resident Assessment Form, the Modified Barthel Index and the Functional Independence Measure. To ensure that gatekeeping remains robust, these tools should be sufficiently detailed, such that an appropriate threshold for admitting claims can be mapped to the ElderShield claims criterion of severe disability.

  9. My family member is not able to sign on the ElderShield claim form to authorise his claim as he is mentally/physically incapacitated. What should I do?

    The current ElderShield scheme is currently administered by private insurers, who require that in the event a claimant lacks mental capacity to provide consent, the claimant’s appointed donee(s)/deputy(s), or caregiver if a donee(s)/deputy(s) has not been appointed, must complete and sign a legal declaration stating that the information provided in the claim form is true and to consent to the insurer’s Privacy Statement. The donee/deputy/caregiver must also submit a separate doctor’s memo together with the claim to indicate that your family member lacks mental capacity, including the relevant medical reason(s).

    For other reasons your family member is unable to authorise his claim form, you may consult your family member’s ElderShield insurer for more details.

  10. If I reside overseas, must I return to Singapore to be assessed for severe disability?

    ElderShield insurers today accept overseas assessments. Likewise, the Government intends to allow overseas Singaporeans to be assessed overseas for severe disability, for CareShield Life claims. The Government will share more details closer to the launch.

  1. What is long-term care? How do I access long-term care services? How do I know how much subsidies I will receive for the service I use?

    Long-term care is the personal and medical care needed if you become disabled due to age or adverse health conditions. It includes a range of services which you may choose depending on your care needs and support available, either at home or institutions like nursing homes.

    If you have long-term care needs assessed by qualified healthcare professionals, medical social workers and/or administrative staff at public hospitals and/or Government-funded long-term care service providers can assist you with your referral to long-term care services. They can also assist with your application for Government subsidies for long-term care services, and advise on the subsidy quantum you are eligible for.

    You can also contact the Agency for Integrated Care through the Singapore Silver Line (1800-650-6060) or Singapore Silver Pages (www.silverpages.sg) to find out more about long-term care services.

  2. Why is ElderShield/ CareShield Life necessary? Why not allow Singaporeans to rely on their savings to pay for their long-term care needs?

    The need for long-term care will rise as Singapore’s population ages. 1 in 2 Singaporeans who are healthy at age 65 is expected to become severely disabled by the end of their lives.

    Variation in the duration of severe disability and the accompanying costs of long-term care, coupled with shrinking family sizes in Singapore, makes it increasingly challenging to rely solely on personal and family savings to pay for one’s long-term care needs. The median duration for which severely disabled individuals could remain in disability is around 4 years, but 3 in 10 could remain in severe disability for 10 years or more.

    Long-term care insurance schemes like ElderShield and CareShield Life help Singaporeans to pool their risks together within their cohort so that each Singaporean within that cohort has basic financial protection against the uncertainty and variability of the cost of long-term care. They complement other long-term care financing sources, such as Government subsidies, Government assistance schemes, community support, personal savings and family support.

  3. How much should I set aside for my long term care needs?

    Long-term care costs will vary across individuals due to differing care needs and arrangements.

    Individuals will also have different financing sources. For instance, Singaporeans with higher incomes will qualify for a lower level of subsidies for their care, and will need to draw more from other financing sources. In addition to existing Government subsidies and assistance schemes, those who require additional funding can also make monthly cash withdrawals of up to $200 from their MediSave savings from 2020 onwards. You can also consider supplementing your basic ElderShield/CareShield Life insurance with private savings or Supplements from the private insurers.

    You are strongly encouraged to plan early and consider your future income and long term care arrangement preferences, and how much will be needed to finance these arrangements.

  4. What if I have less severe disabilities or less than 3 ADLs – how can I get help for my long term care costs?

    Singaporeans with mild or moderate disabilities who need long-term care can tap on various means-tested Government subsidies and assistance schemes to complement their personal savings and family support. Government-funded safety nets such as MediFund or ComCare will provide assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support. The Government will continue to look at ways to support the needs of Singaporeans with less severe disabilities.

    If you wish to find out more about long-term care services, specific Government subsidies for long-term care services and other Government assistance schemes for long term care that older Singaporeans (age 65 and above) may tap on, you may reach out to the Agency for Integrated Care (AIC) through the Singapore Silver Pages (www.silverpages.sg), Singapore Silver Line (1800-650-6060) or speak to a Care Consultant at AICare Links located at the public hospitals and Maxwell. For a list of AICare Link locations, visit www.silverpages.sg/AICarelink.

  5. Where can I seek advice on financial planning for old age or seek financial assistance for long term care needs?

    For an overview of options for long term care financing and services, you may visit the website here for more information.

    If you wish to find out more about long term care services, specific Government subsidies for long-term care services and other Government assistance schemes for long term care that older Singaporeans (age 65 and above) may tap on, you may reach out to the Agency for Integrated Care (AIC) through the Singapore Silver Pages (www.silverpages.sg), Singapore Silver Line (1800-650-6060) or speak to a Care Consultant at AICare Links located at the public hospitals and Maxwell. For a list of AICare Link locations, visit www.silverpages.sg/AICareLink.

    For Government support schemes specifically for younger, disabled Singaporeans and their caregivers (age 65 and below), you may refer to them on SG Enable’s website (www.sgenable.sg) or speak to SG Enable at 1800-8585-885.

    For more information on retirement planning, Singaporeans can visit the following websites:

    • CPF Board’s website (www.cpf.gov.sg) to learn about CPF schemes.
    • Are You Ready? outreach website (www.areyouready.sg) to understand how CPF savings can support Singaporeans through the key stages of their life and learn how they can work towards a better retirement.
    • InTouch with CPF (www.cpf-intouch.sg) to read the CPF Board’s quarterly magazine for interesting financial tips.

  1. What is ElderFund?

    ElderFund is a new assistance scheme targeted at severely disabled lower-income Singaporean Citizens aged 30 and above who are not able to join CareShield Life, or have low MediSave balances and inadequate personal savings to meet their long-term care needs.

    Eligible Singapore Citizens can receive up to $250 cash per month for as long as they remain severely disabled. More details on how to apply for the scheme will be released closer to 2020.

  2. How was the payout amount of $250/month decided?

    ElderFund is targeted at assisting severely disabled lower-income Singaporeans aged 30 and above who are not able to join CareShield Life, or have low MediSave balances and inadequate personal savings to meet their long-term care needs.

    ElderFund will supplement existing Government subsidies/assistance schemes, community support, and family support, to better enable lower-income Singaporeans to afford their basic long-term care needs.

    As a comparison, the payout of up to $250 per month is similar to the current level of payouts under the Interim Disability Assistance Programme for the Elderly (IDAPE).

    Singaporeans who are still unable to meet their long-term care needs after these subsidies and assistance schemes can rely on MediFund and ComCare as a safety net.

  3. Will the payouts rise over time, like CareShield Life payouts?

    The regular increase in payouts for CareShield Life are supported by regular premium increases. Once a policyholder under CareShield Life makes a claim, the payout stays fixed.

    ElderFund will be a government financial assistance scheme, funded through taxes. Eligible Singapore Citizens can receive up to $250 per month in cash. There will be no cap on payout duration as long as they are severely disabled. The Government will review the payout amount over time to ensure that payouts remain relevant for beneficiaries. With any increase, additional monies will need to be set aside to fund the scheme.

  4. How will I be assessed for ElderFund eligibility?

    ElderFund is targeted at assisting severely disabled lower-income Singaporeans aged 30 and above who are not able to join CareShield Life, or have low MediSave balances and inadequate personal savings to meet their long-term care needs.

    Singaporeans who are unable to meet their long-term care costs, even after receiving payouts under ElderShield/CareShield Life, MediSave or IDAPE, may be considered for Elderfund on a case-by-case basis.

    If you have challenges meeting your long-term care needs, you should approach the Agency for Integrated Care (AIC), or a medical social worker at your long-term care provider, for more advice and assistance.

  5. Do Singaporeans residing overseas qualify for ElderFund payouts?

    The priority of ElderFund is to provide support for Singapore Citizens living in Singapore. Singaporeans residing overseas will not qualify for ElderFund payouts.

  6. Do I need to undergo disability assessment required to qualify? What assessments can be accepted?

    Applicants will need to undergo a disability assessment before qualifying for ElderFund. The Government’s intent is for ElderFund to tap on the same pool of assessors accredited to do ElderShield/CareShield Life/IDAPE disability assessments, to certify that applicants for ElderFund are severely disabled and unable to perform 3 or more of the 6 Activities of Daily Living (ADLs).

    The Government is also looking into recognising equivalent assessments done by qualified health professionals at long-term care providers as part of care planning, to assess an applicant’s ElderFund eligibility. This means that applicants will not need to arrange for a separate disability assessment if one had already been done for them recently. This is similar to what the Government is looking into for CareShield Life, as recommended by the ElderShield Review Committee.

    More details on how to apply will be ready closer to the launch of the scheme in 2020.

  7. How is this scheme different from IDAPE and PG-DAS?

    IDAPE was introduced in 2002 to benefit a small group of seniors who were not eligible for ElderShield at the time because they were age 70 and above (born or before 30 September 1932) or had pre-existing disabilities. It provides $250/month or $150/month, depending on your per capita household income, for a maximum of 6 years.

    The Pioneer Disability Assistance Scheme (PG-DAS) is part of the Pioneer Generation package, and provides $100/month for all moderately disabled Pioneers. There is no cap on the duration of payouts.

    IDAPE and PG-DAS are disability assistance schemes restricted to smaller groups of older Singaporeans. ElderFund provides wider coverage, and is targeted at assisting lower-income Singaporeans above the age of 30 who are unable to benefit from CareShield Life, and who have insufficient MediSave balances to support their basic long-term care needs.

  8. How is this scheme different from MediFund or ComCare? If I am a severely disabled person in need, who should I go to for help?

    Singaporeans who are unable to meet their long-term care needs after available Government subsidies and assistance schemes, including ElderFund, can rely on MediFund and ComCare as a safety net.

    Singaporeans who have challenges meeting their long-term care needs should approach the Agency for Integrated Care (AIC), or a medical social worker at their long-term care provider, for more advice and assistance. Alternatively, if you are already being assisted with ComCare from the Ministry of Social and Family Development (MSF) / Social Services Offices (SSOs) and need further help with your long-term care costs, please approach your SSO for advice and assistance.

    MOH and MSF will work closely together to ensure that Singaporeans who need financial assistance do not need to undergo unnecessary hurdles in seeking assistance for their healthcare, long-term care and daily living expenses.

  9. Who is administering ElderFund?

    The Agency for Integrated Care (AIC) will administer ElderFund when it is launched in 2020.

  1. What is MediSave Withdrawals for Long-Term Care?

    From 2020, Singapore Citizens and Permanent Residents aged 30 and above who are severely disabled will be able to make monthly cash withdrawals from their own and/or their spouse’s MediSave account for their long-term care needs.

    Click here for more information on MediSave withdrawals for long-term care.

  2. Who is administering MediSave withdrawals for long-term care?

    MediSave withdrawals for long-term care will be implemented from 2020, together with CareShield Life, and will be jointly administered by AIC and CPFB.

  3. When will MediSave withdrawals for long-term care be implemented?

    MediSave withdrawals for long-term care will be implemented from 2020, together with CareShield Life, and will be jointly administered by the Agency for Integrated Care (AIC) and Central Provident Fund Board (CPFB).

  4. How do I know if I am eligible for MediSave withdrawals for long-term care and how can I apply for it?

    When MediSave withdrawals for long-term care is launched in 2020, severely disabled (unable to perform three or more Activities of Daily Living (ADLs)* Singapore Citizens and Permanent Residents who are aged 30 and above can apply to make such withdrawals after setting aside a minimum amount.

    The Government is still working out the implementation details of the scheme, and will share more details about the application process when ready.

  5. Are Singaporeans who are residing overseas eligible for MediSave withdrawals for long-term care?

    Singaporeans who are residing overseas can apply for MediSave withdrawals for long-term care and are subject to the same criteria for withdrawals (e.g. inability to perform 3 ADLs and having the requisite MediSave balances).

  6. Will my MediSave withdrawal limit for long-term care automatically change as and when my MediSave balance changes?

    The eligible withdrawal quantum for MediSave withdrawals for long-term care is based on the MediSave balance at the point of withdrawal, if the individual has authorised to withdraw the maximum quantum. Click here to view the eligible withdrawal quanta.

    The Government is still working out the implementation details of the scheme, and will share more details about the application process when ready.

  7. I am severely disabled but not a SC/PR. However, my spouse is a SC/PR. Can I make MediSave withdrawals for long-term care from my spouse’s MediSave?

    If you are severely disabled but not a Singapore Citizen or Permanent Resident, you will not be able to make MediSave withdrawals for long-term care from your spouse’s MediSave.

  8. If I am a severely disabled SC/PR, can I make MediSave withdrawals for long-term care from my non-SC/PR spouse’s MediSave?

    If you are a severely disabled Singapore Citizen or Permanent Resident, you can make MediSave withdrawals for long-term care from your spouse’s MediSave.

  9. If I am severely disabled, can I withdraw up to $200/month each from my own MediSave and another $200/month from my spouse’s MediSave account (i.e. withdrawing a total of $400/month)?

    Each severely disabled individual can only withdraw up to a combined total of $200/month from his and/or his spouse’s MediSave account.

  10. Why do I need to have $5,000 in my MediSave balance before I am eligible for MediSave withdrawals for long-term care?

    MediSave is primarily designed to help Singaporeans put aside sufficient savings for their hospitalisation expenses and selected outpatient treatments such as cancer treatments that are more expensive in nature.

    The floor of $5,000 is intended to help individuals maintain some savings to pay for their other healthcare bills.

  11. Why is the withdrawal based on my MediSave account’s balance?

    The tiered withdrawal quantum helps to stretch the period of MediSave withdrawals for long-term care, especially if the individual’s MediSave balance is low.

  12. Why are MediSave withdrawals for long-term care restricted to my own and/or my spouse’s MediSave accounts?

    The Government recognises and encourages family members to support one another in healthcare and long-term care. This is why we already allow usage of immediate family members’ MediSave for hospital expenses and MediShield Life premiums. It is also why we allowed the same for ElderShield premium payment and by extension, will allow for CareShield Life premium payment in future.

    At the same time, we also need to recognise the importance for individuals to have adequate MediSave in their own accounts so that they can afford current and future healthcare needs. The more new uses or transfers we allow, the greater the risk of inadequate MediSave among individuals.

    Where it comes to MediSave withdrawals for long-term care, it is the first time the Government is allowing cash withdrawals from MediSave. As the period that individuals could remain in severe disability can be very long, the period of withdrawals and drawdown can likewise be long. Combined with the other withdrawals, it could potentially drain one’s MediSave and compromise one’s own healthcare affordability. The Government has therefore decided to start more cautiously.

    Those who are low-income and need more help can tap on other schemes like the new ElderFund.

    Government-funded safety nets such as MediFund or ComCare can provide further financial assistance Singaporeans who are unable to pay for their care even after Government subsidies and other means of support.

  13. Can I withdraw my CPF savings (non-MediSave savings) if I am severely disabled?

    You can withdraw their CPF savings on medical grounds if the following criteria are met - you are:

    a. Physically or mentally incapacitated; or
    b. Have a severely impaired life expectancy; or
    c. Lack capacity within the meaning of Section 4 of the Mental Capacity Act (MCA) and the lack of capacity is likely to be permanent; or
    d. Are terminally ill

    You may contact CPF Board at 1800-227-1188 for more information.

Last Updated on 3 Jul 2018