PAP.SG Ambassador Handbook (Revised in December 2020)

Page 1


FOREWORD

Tan Chuan-Jin Chairman, PAP Seniors Group (PAP.SG) There are many uncertainties in life but what we do know will happen is that we will all grow old. This irrefutable fact remains valid unless technology in healthcare changes dramatically! The ageing narrative does not need to be a negative one. In fact, we should embrace it and make sure that our best years are ahead of us. This requires all of us to be involved – the people, public and private sector. Much work has been done and more will be realized in the coming years. Our efforts require long term planning and execution, and these are our strengths. This Handbook in both hard copy and online version is useful because the collation of policies and measures provides easy reference of all important topics relevant to older persons in one handbook and website. This Handbook was conceived as a follow up to our media conference and private members’ motion early 2019 where we put forth our recommendations on various senior related topics to the government. MPs and Activists felt a Handbook on these topics would be useful in empowering our seniors and their families with useful information. We have engaged widely, and many have provided their inputs for this Handbook. I would especially like to thank Leng Leng for her hard work in pulling it all together! Policies evolve hence the online version of this Handbook can be updated almost immediately, making info relevant for all. I’m sure our residents will find it useful too. Do read and familiarize ourselves with the range of policies that help us in very real ways. And help others, especially our seniors, to be aware of them too.


SPECIAL THANKS TO:

Dr Thang Leng Leng Dr Suen Johan Miss Rebekah Lin PAP.SG Chapter Members Asman Bin Sah Hudin Daniel Tan (Dr) Gopala Krishnan James Tan Jenson Chia Judy Koh Maria Binte Mansoor Richard Lim Rosemary Lim Simon Sim Valerie Quek Vincent Teo


“Many government policies are aimed at solving people’s concerns… But beyond these individual policies, we need to connect the dots, to paint the overall picture for Singaporeans, so that people get the broader message. And the broader message is that the government understands your concerns. That the PAP is working with you to tackle problems together. That whatever your difficulties, in Singapore you will never walk alone. To do that, we have to complement good policies with a human touch. This is where every party activist plays a part…. When you work the ground, you touch people’s lives and you give the PAP a human face…. By showing voters that you personally care, it convinces them that the PAP cares, and the PAP government cares.” - PAP Secretary-General Lee Hsien Loong at the 2018 Party Conference and Party Awards Ceremony


DISCLAIMER 1. This handbook serves as a guide only and its content is not exhaustive. 2. The policies and schemes listed is subject to change by the relevant authorities. Please refer to the relevant authorities for updated information. 3. This handbook serves to provide information; and is not to be used by PAP.SG ambassadors or any activist as basis for premature approval or rejection of appeals. Appeals & requests shall be subject to the relevant authorities’ consideration and approval.

FI R ST PUBLIS H ED IN O C T O B ER 2 0 1 9 RE V I SED IN D EC EM B ER 2020


CONTENT CENTRAL PROVIDENT FUND FINANCIAL ASSISTANCE SCHEMES HOUSING SCHEMES EMPLOYMENT, TRAINING AND LIFELONG LEARNING HEALTHCARE A. SUPPORTING SENIORS WITH DISABILITIES B. SUPPORTING SENIORS WITH CARE NEEDS C. SUPPORTING THE CAREGIVING OF SENIORS END-OF-LIFE CARE IN SINGAPORE ADVANCE CARE PLANNING



CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg) Scheme / Measure

Criteria

CPF Contribution Rates Both employees and employers make monthly CPF contributions •

Singapore Citizen

SPR from the third year of obtaining SPR status

SPR during the first two years of obtaining SPR status but has jointly applied with employer to contribute at full employer-full employee rates

Contribution Rates Employee’s age

Benefit

From 1 January 2016 By By Total employer employee (% of wage) (% of wage) (% of wage)

55 and below 17

20

37

Above 55 to 60

13

13

26

Above 60 to 65

9

7.5

16.5

Above 65

7.5

5

12.5

Note: • All self-employed persons need to contribute to MediSave if they earn a yearly net trade income of more than $6,000 •

Self-employed persons can also make cash or CPF contributions to other CPF accounts through: – Making voluntary contributions – Transfer Ordinary Account (OA) savings to Special Account (SA) or Retirement Account (RA) depending on age – Retirement Sum Topping-Up Scheme

Contact / More Info

https://www.cpf.gov.sg/Employers/EmployerGuides/ employer-guides/paying-cpf-contributions/cpfcontribution-and-allocation-rates Telephone: 1800-227-1188

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CP F CON T R IBUT ION R ATE S


CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg) Scheme / Measure

Criteria

CPF Interest Rates

Enables CPF members to earn risk-free interest

CPF Interest Rates CPF Account

Interest Rate

Valid Till Date

Ordinary Account

2.50% p.a.

31 March 2021 (reviewed quarterly)

Special & MediSave Accounts

4.00% p.a.

31 March 2021 (reviewed quarterly)

Retirement Account

4.00% p.a.

31 December 2021 (reviewed yearly)

Benefit

On top of these, CPF members will earn an extra 1% interest paid on the first $60,000 of their combined balances (with up to $20,000 from the Ordinary Account). CPF members aged 55 and above will also earn an additional 2% interest on the first $30,000 and 1% on the next $30,000 of their combine balances (with up to $20,000 from the Ordinary Account). For timely updates on CPF Interest Rates, refer to: Contact / More Info

https://www.cpf.gov.sg/Members/AboutUs/about-usinfo/cpf-interest-rates Telephone: 1800-227-1188

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CP F IN T E R E S T R ATE S


CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg) Scheme / Measure

Criteria

Withdrawals of CPF savings from age 55

The withdrawal of your CPF savings is optional. If you do not withdraw at 55 years old, you can do so anytime later.

Upon reaching 55 years old, members can withdraw their Special Account and Ordinary Account savings after setting aside the Full Retirement Sum (FRS) ($181,000 in 2020, $186,000 in 2021) in their Retirement Account. Members may also withdraw their Retirement Account savings above the Basic Retirement Sum (BRS) (half the Full Retirement Sum) if they own a property.

Benefit

Contact / More Info

Members that have not set aside their FRS or BRS with property can still withdraw up to $5,000 from their Special and Ordinary Account. •

You need not take out the full amount at one go. For example, if you are eligible to withdraw $5,000, you can choose to make a partial withdrawal of $2,000. You can withdraw the remaining $3,000 (if available) at a later date.

•

From their payout eligibility age (65 years old), members born in 1958 or after also have the option to withdraw a lump sum of up to 20% of the savings in their RA as at their 65th birthday. This includes the first $5,000 that can be withdrawn at 55.

https://www.cpf.gov.sg/Members/Schemes/schemes/ retirement/withdrawals-of-cpf-savings-from-55 Telephone: 1800-227-1188

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WI T H D R AWAL S OF CP F S AVIN GS F R OM AGE 5 5


CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg) CPF Investment Scheme (CPFIS) Scheme / Measure

Comprises the CPF Investment Scheme-Ordinary Account (CPFIS-OA) and CPF Investment Scheme-Special Account (CPFIS-SA).

Criteria

The scheme gives CPF members an option to invest their CPF savings.

Benefit

CPF members have to decide for themselves how to invest their savings and what risks to accept. Members not confident of investing on their own or do not wish to take the risk can keep their money with the CPF Board and earn the risk-free interest.

Contact / More Info

https://www.cpf.gov.sg/Members/Schemes/schemes/ optimising-my-cpf/cpf-investment-schemes Telephone: 1800-227-1188

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CP F IN VE S TME N T S CHE ME


CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg) Retirement Sum Scheme Scheme / Measure

The Retirement Sum provides CPF members with a monthly income to support a basic standard of living during retirement. •

When CPF members reach 55 years old, Retirement Account (RA) will be created with savings transferred from Special and/or Ordinary Accounts

You will receive a monthly payout upon reaching payout eligibility age until your RA balance is depleted

If you are not placed on CPF LIFE, you can apply to join anytime between your payout eligibility age and before you turn 80 years old or remain on the Retirement Sum Scheme

Criteria

Full Retirement Sum (FRS) /Basic Retirement Sum (BRS) $176,000 ($88,000) - turn 55 on or after 1/2019 $181,000 ($90,500) - turn 55 on or after 1/2020 $186,000 ($93,000) - turn 55 on or after 1/2021 $192,000 ($96,000) - turn 55 on or after 1/2022 You can choose to set aside a larger retirement sum, up to the Enhanced Retirement Sum (3xBRS), by topping up your RA using cash or transferring your remaining CPF savings in the Special and/or Ordinary Accounts via the Retirement Sum Topping-Up Scheme (RSTU). Benefit

INTEREST RATE FOR RA SAVINGS - Savings in RA enjoy higher interest rates for CPF members age 55 and above: – 6% interest for 1st $30,000 – 5% interest on next $30,000 – 4% interest on remaining balance

PAYOUT - You can instruct CPF Board to start your Retirement Sum Scheme payouts anytime from your payout eligibility age

Payouts will start automatically by 70 if you have not started earlier

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R E T IR E ME N T S UM S CHE ME


Contact / More Info

https://www.cpf.gov.sg/Members/Schemes/schemes/ retirement/retirement-sum-scheme Telephone: 1800-227-1188

RE TI REM ENT S U M SC HEM E

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CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg)

Scheme / Measure

CPF LIFE Use the sum in your RA to buy a CPF LIFE annuity that provides monthly payouts for life

CPF LIFE is compulsory for members born from 1958 onwards if they have at least $60,000 in their Retirement Account at their Payout Eligibility Age of 65

Choose either the LIFE standard plan, LIFE Basic Plan and LIFE Escalating Plan at the point when you wish to start your CPF LIFE payouts

Criteria

Currently, CPF members only need to choose their CPF LIFE plans when they wish to start their receiving their CPF LIFE monthly payouts (between payout eligibility age of 65 to 70). 3 CPF LIFE Plans to choose from

Benefit

*The Basic Plan monthly payouts will reduce gradually when your combined CPF balances (including unused CPF LIFE annuity premiums) fall below $60,000. This is due to less extra interest earned.

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CP F L IFE


Benefit

CPF balances

Retirement Account savings required at 55 (2020)

Your monthly payout for life from aged 65*

Basic Retirement Sum

Basic Retirement Sum (BRS) $90,500

$750 - $810

Full Retirement Sum

$181,000 (BSRX2)

$1,390 - $1,490

Enhanced Retirement Sum

$271,500 (BRSX3)

$2,030 - $2,180

*Payout figures are estimates, based on the CPF LIFE Standard Plan and computed as of 2020. They may be adjusted to account for long-term changes in interest rates or life expectancy. Such adjustments (if any) are expected to be small and gradual.

Contact / More Info

C P F LIFE

https://www.cpf.gov.sg/Members/Schemes/schemes/ retirement/cpf-life Telephone: 1800-227-1188

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CENTRAL PROVIDENT FUND (CPF) (Source: http://cpf.gov.sg)

Scheme / Measure

Criteria

Benefit

Contact / More Info

Matched Retirement Savings Scheme (from 2021 to 2025) To help augment the retirement savings of lower to middle income Singaporeans aged 55-70 years old (Announced at Feb Budget 2020) •

Singaporeans aged 55 to 70 years and,

unable to set aside the basic retirement sum (set at $90,500 in 2020 for those reaching 55)

Average monthly income not more than $4,000

Annual value of residence not more than $13,000 and do not own more than one property.

The Government will match dollar-for-dollar of cash top-up made to an eligible person’s CPF Retirement Account, up to an annual cap of $600.

A total of $3,000 in matched savings will be provided for a period of 5 years from 2021-2025

Cash top-up can be contributed by one’s spouse, children, grandchildren, siblings, children-in-law, grandchildren-in-law.

https://www.cpf.gov.sg/Members/Schemes/schemes/ retirement/matched-retirement-savings-scheme

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M ATCHE D R E T IR E ME N T S AVIN GS S CHE ME



FINANCIAL ASSISTANCE SCHEMES (Source: https://www.msf.gov.sg/Comcare/Pages/default.aspx)

Scheme / Measure

ComCare Long-Term Assistance Also known as Public Assistance

Unable to work because of old age, illness or disability

Have no stable income and little or no family support

Elderly persons who receive a small monthly payout from other sources such as CPF Retirement Sum/ CPF LIFE, Pension ElderShield, Lease Buyback Scheme, may be eligible if the monthly payout is lower than the LTA rates

Elderly persons whose children are low-income themselves and unable to support their parents may be eligible. The children must be supporting their own families and each have household income of $1,900 and below, or per capita household income of $650 and below.

Singapore Citizen or Permanent Resident

Criteria

Cash Assistance Rates (Primary Tier Assistance) Household Type/Size 1 Person 2 Persons 3 Persons 4 Persons Benefit

Rates $600 $1,000 $1,400 $1,750

Additional assistance for school-going children per child: $150 Secondary assistance To help those with recurring essentials such as medical or hygiene consumables e.g. adult diapers, stoma bags, diabetic consumables and nutritional milk supplements.

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COMCAR E L ON G- T E R M AS S IS TAN CE


Discretionary assistance To help those with one-off essentials such as medical equipment or household appliances e.g. commode, beds, etc. Medical assistance LTA recipients receive medical assistance at polyclinics and government/ restructured hospitals. Benefit

Education assistance School-going children of LTA recipients receive help for school and miscellaneous fees as well as school books. Supplementary community assistance LTA recipients receive free or highly subsidised access to a range of social support services e.g. home help, senior activity centres and day activity centres funded by the government.

Contact / More Info

MSF (ComCare) https://www.msf.gov.sg/Comcare/Pages/PublicAssistance.aspx Visit the nearest Social Service Office (SSO) https://www.msf.gov.sg/ssolocator ComCare hotline: 1800-222-0000

C OMCARE LO NG-T ERM A SSISTA N C E

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FINANCIAL ASSISTANCE SCHEMES (Source: https://www.msf.gov.sg/Comcare/Pages/default.aspx)

ComCare Short-to-Medium-Term Assistance Scheme / Measure

Criteria

For low-income families and individuals who are temporarily unable to work (e.g. due to illness, or caregiving responsibilities), are looking for a job or are earning a low income and require financial assistance •

Have a monthly household income of $1,900 and below or a per capita income of $650

Have little or no family support, savings or assets to rely on for daily needs

Singapore Citizen or Permanent Resident (at least one immediate family member in the same household must be a Singapore Citizen)

You may receive:

Benefit

Contact / More Info

Assistance with your household bills i.e. public rental, utilities, and/or service and conservancy charges

Monthly cash assistance quantum

Medical assistance

Employment assistance such as job search and/or training

Referrals for other relevant services

MSF (ComCare) https://www.msf.gov.sg/Comcare/Pages/Short-toMedium-Term-Assistance.aspx Visit the nearest Social Service Office (SSO) https://www.msf.gov.sg/ssolocator ComCare hotline: 1800-222-0000

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C O MC A R E S HORT- T O- ME DIUM- T E R M AS S IS TAN CE


FINANCIAL ASSISTANCE SCHEMES (Source: https://www.msf.gov.sg/Comcare/Pages/default.aspx)

Scheme / Measure

Criteria

ComCare Interim Assistance For those who need urgent and immediate financial assistance for less than 3 months

Have a household income of $1,900 and below, or a per capita household income of $650 and below

Singapore Citizen or Permanent Resident (at least one immediate family member in the same household must be a Singapore Citizen)

You may receive:

Benefit

• • •

Cash Vouchers Food rations

The assistance received will depend on the household situation. Administered by: i) Contact / More Info

Social Service Office (SSO) – visit the nearest SSO

ii) Citizens’ Consultative Committees – approach the nearest Community Centre, Community Club or a grassroots leader iii) Family Service Centres – for FSC clients iv) Community Justice Centre (CJC) – for CJC clients

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COMCAR E IN T E R IM AS S IS TAN CE


FINANCIAL ASSISTANCE SCHEMES (Source: https://www.gstvoucher.gov.sg/)

GST Voucher Scheme Scheme / Measure

The government provides permanent GST Voucher scheme (since 2012) to help lower-income Singaporeans. There are 3 components and it includes:

Cash – Provides lower-income Singaporeans with some cash for immediate needs. Paid in August each year.

Medisave – Provides elderly Singaporeans aged 65 and above with a top-up in their CPF MediSave account to support their medical needs. Paid in August each year.

U-Save – Provides lower and middle-income HDB households with quarterly rebates to offset their utilities bills. Paid in Jan, Apr, Jul and Oct each year.

Criteria

Contact / More Info

https://www.gstvoucher.gov.sg/Pages/index.aspx

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GS T VOUCHE R S CHE ME


FINANCIAL ASSISTANCE SCHEMES (Source: https://www.msf.gov.sg/Comcare/Pages/default.aspx ; https://www.silversupport.gov.sg/) Silver Support (SS) Scheme (Enhancements will apply from 1 January 2021)

Scheme / Measure

Part of a wider provision (e.g.healthcare subsidies, GST voucher) to strengthen support for seniors who has low incomes during their working years and now have less in retirement. The enhanced scheme will see a 20% increase in quarterly cash payouts from December 2020. This will extend to benefit an estimate of close to 250,000 Singaporeans aged >65. Current estimate of Singaporeans who currently receive Silver Support is approximately 150,000. All Singaporeans aged 65 and above in 2021 will be automatically assessed for eligibility. Three criteria are used to determine eligibility: A. Low lifetime wages •

Total CPF contributions of not more than $140,000 (from the current criterion of $70,000) by age 55.

Self-employed persons also have an average annual net trade income of not more than $27,600 (from the current criterion of $22,800) when they were between the ages of 45 and 54.

Criteria

B. Housing type •

Live in a 1- to 5-room HDB flat; and does not own, or have a spouse who owns, a 5-room or larger HDB flat or private property or multiple properties

C. Low household support • Live in a household with a monthly income per person of not more than $1,800 (from the current criterion of $1,100)

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S ILVE R S UP P ORT S CHE ME


Silver Support Quarterly Payouts are as follows:

HDB Flat Type

Benefit

Total CPF contributions of not more than $140,000 by age 55 Household monthly income per person of $1,300 or less

Household monthly income per person of above $1,300 but not more than $1,800

1 and 2 room

$900

$450

3 room

$720

$360

4 room

$540

$270

5 room

$360

$180

Source: Budget 2020 Annexe C-3 Eligible seniors will be notified by the CPF board and will get their payouts by December 2020. https://www.silversupport.gov.sg/ Contact / More Info

Enhancements to Silver Support Scheme: https://www.silversupport.gov.sg/Resources/ BudgetAnnexSilverSupport

S I LV ER S UPPO RT SC HEM E

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FINANCIAL ASSISTANCE SCHEMES (Source: https://www.singaporebudget.gov.sg/docs/default-source/ budget_2020/download/pdf/supplementary_annexb3.pdf )

Scheme / Measure Criteria

Enhanced Care and Support – Cash Payout (Announced in Feb Budget 2020, enhanced in March, April Budgets 2020) For all Singaporeans aged 21 and above in 2020 One-off Care and Support - Cash Payout was disbursed as follows: $0 to $28,000

$28,001 to $100,000

More than $100,000, or owns more than one property

Original quantum

$300

$200

$100

Enchanced quantum

$900

$600

$300

Assessable Income for Year of Assessment 2019

For all Singaporeans aged 21 and above in 2020

Benefit

For parents*

For all Singaporeans aged 50 and above in 2020

Original quantum

+$100

Enchanced quantum

+$300

PAssion Card TopUp to be provided in cash^

+$100

Source: Singapore Budget Annexe B-3 (2020) * Refers to Singaporean parents with at least one Singaporean child aged 20 and below in 2020. Each eligible parent will receive the additional $300. ^ The $100 Passion Card Top-up that was announced in Budget 2020 will be provided in cash instead. Table source: Contact / More Info

https://www.singaporebudget.gov.sg/docs/defaultsource/budget_2020/download/pdf/supplementary_ annexb3.pdf

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E N H A N C E D CAR E AN D S UP P ORT – CAS H PAYOUT



HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) HDB meets the housing needs of our seniors by: (i) Facilitating their next flat purchase through various schemes; (ii) Providing a senior-friendly HDB environment; and (iii) Providing a range of monetisation options. (i) Facilitating their next home purchase through various schemes Schemes to Facilitate Seniors to Right-size Scheme / Measure

Criteria

2-room Flexi Flats on short lease

At least 1 Singapore Citizen applicant

All flat applicants and their spouses must be at least 55 years old at the time of flat application

The allowable lease period will be based on the age of the youngest applicant/spouse at the time of the flat application

The chosen lease length must be able to cover all flat applicants and their spouses until at least age 95

Average gross monthly household income cannot exceed $14,000

Any person listed in the flat application who owns a private property either locally or overseas must dispose of all private properties within 6 months from the date of taking possession of the short lease 2-room Flexi flat

Flat applicants are not allowed to take a housing loan to finance their flat purchase

Resale of flat on the open market and the renting out of whole flat is not allowed

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2 - R OOM FL E X I FL AT S ON S HORT L E AS E


• Criteria

Benefit

Owners who do not need the flat can return the flat to HDB. HDB will reimburse the owners the value of the flat’s remaining lease.

Note: Seniors can also choose to buy a 2-room Flexi flat on a 99-year lease. •

Seniors can choose to take up a lease of between 15 to 45 years in 5-year increments, so long as the chosen lease length covers all flat applicants and their spouses up to the age of at least 95 years

At least 40% of the 2-room Flexi flats offered during HDB’s sales launches will be set aside for elderly applicants

Seniors who buy a short lease 2-room Flexi flat pay a resale levy adjusted downwards from $30,000 based on the lease tenure chosen

Short lease 2-room Flexi flats will be fitted upfront with grab bars. In addition, senior buyers of short lease flats can choose from three Optional Component Scheme packages. These include flooring, sanitary fittings, built-in kitchen cabinets with induction hobs and cooker hood, kitchen sink, window grilles and built-in wardrobe.

https://www.hdb.gov.sg/cs/infoweb/residential/living-inan-hdb-flat/for-our-seniors/buying-a-shortlease-2roomflexi-flat Contact / More Info

Email: hdbsales@mailbox.hdb.gov.sg Post-purchase conditions: https://www.hdb.gov.sg/cs/infoweb/residential/buying-aflat/new/buying-process/conditions-after-buying

2 -R OO M FLEXI F LAT S O N SHO RT L E A S E

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HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Priority Schemes to facilitate seniors buying a new flat from HDB to live with/near their married parents/child and/or age in place in a familiar environment Scheme / Measure

Married Child Priority Scheme (MCPS)

At least 1 of the flat applicants’ parents/ married child is Singapore Citizen or Permanent Resident

To live near parents or married child:

Criteria

The flat applicants’ parents/ married child must be living in an HDB flat, or private residential property, which is within 4km of the new flat the flat buyer intends to buy

There is 5-year Minimum Occupation Period (MOP) where the flat applicants’ parents/ married child who helped the flat applicants to qualify for the MCPS must continue to live within 4 km of the flat applicants’ new flat

Note: • The property that the flat applicants’ parents/ married child resides in will be used for the proximity reference when they own more than one property •

If the flat applicants’ parents/ married child does not own the private residential property they reside in, it must be owned by their immediate family members (defined as child or adopted child, parent(s) or parent(s)-in-law, or siblings)

To live with parents or married child: •

The flat applicants’ parents/ married child must be included in the flat application to live together with the flat applicants

There is a 5-year Minimum Occupation Period (MOP) where the flat applicants’ parents/ married child who helped the flat applicant to qualify for the MCPS must continue to live in the new flat MAR R IE D CHIL D P R IOR IT Y S CHE ME


Benefit

Gives flat applicants priority when they buy a new flat from HDB to live near/with their married parents/child

Within the quota for the MCPS, first priority is given to the following: – Flat applicants who apply to live together with their parents/ married child – Parents who own a flat in a mature estate and are applying for a flat in a non-mature estate to live closer to their married child

Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/buying-aflat/new/eligibility/priority-schemes

MAR RIED CH IL D PRIO RIT Y SC HE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Priority Schemes to facilitate seniors buying a new flat from HDB to live with/near their married parents/child and/or age in place in a familiar environment Scheme / Measure

Criteria

Benefit

Contact / More Info

Multi-Generation Priority Scheme (MGPS) •

Parents must submit a joint application with their married child

Parents can only apply for a 2-room Flexi or 3-room flat

Married child’s household can apply for a 2-room Flexi or larger flat

Gives priority flat allocation for both married children and their parents when they apply for new flats in the same BTO project

If balloted under MGPS, both households will have the opportunity to choose flats together at the same flat selection appointment, from a pool of pre-identified flats. The flats may be on the same floor or elsewhere in the BTO project.

https://www.hdb.gov.sg/cs/infoweb/residential/buying-aflat/new/eligibility/priority-schemes

MULTI- GE N E R ATION P R IOR IT Y S CHE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Priority Schemes to facilitate seniors buying a new flat from HDB to live with/near their married parents/child and/or age in place in a familiar environment Scheme / Measure

Senior Priority Scheme (SPS) for 2 Room Flexi Flats

Either to live near existing flat: •

Criteria

The new 2-room Flexi flat must be located within 4 km of the seniors’ current HDB flat or owneroccupied private property

Or : To live with or near parents/married child: •

Same criteria as MCPS

Note: The eligibility criteria to qualify for SPS to live with or near parents/married child is the same as that for MCPS.

Benefit

Contact / More Info

Gives priority to senior flat applicants who are buying a 2-room Flexi flat to age-in-place in a familiar environment, or to live near/with your parents/ married child

At least 40% of the 2-room Flexi flats offered during sales launches will be set aside for senior applicants. Within this, half (20%) will be set aside for eligible seniors under the SPS.

https://www.hdb.gov.sg/cs/infoweb/residential/%20 buying-a-flat/new/eligibility/priority-schemes

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S E N I O R P R I O R IT Y S CHE ME F OR 2 R OOM FL E X I FL AT S


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Housing grants to facilitate seniors buying a resale flat to live with/ near their parents/child Scheme / Measure

Proximity Housing Grant (PHG) Seniors have to be eligible to buy a resale flat on the open market. In addition, applicants will have to meet the following conditions:

Criteria

At least 1 Singapore Citizen flat applicant

The flat applicant must not have received the PHG previously

Buy a resale flat to live with or within 4km of parents/ child’s place of residence

Both applicant and parent(s)/child who help applicants to obtain the PHG have to observe the proximity condition for at least 5 years

Note: • The flat applicants’ parents/child helping the flat buyer to qualify for the PHG must be a Singapore Citizen or Permanent Resident •

If the flat applicants’ parents/ child does not own the private residential property they reside in, it must be owned by their immediate family members (defined as child or adopted child, parent(s) or parent(s)-in-law, or siblings)

The PHG facilitates extended families to live with or near (i.e. within 4km) their parents or children for mutual care and support. Benefit

Unlike most grants, flat buyers are eligible for the PHG regardless (a) whether they have previously enjoyed housing subsidies; (b) their household income; or (c) private property ownership.

REV ISED IN DEC EM BE R 2 0 2 0

P R OX IMIT Y HOUS IN G GR AN T


The grant amount that applicants can enjoy is as follows: Proximity Condition Resale Flat Buyers

To Live With Parents/ Child

To Live Near Parents/ Child (Within 4km)

Families

$30,000

$20,000

Singles aged 35 and above

$15,000

$10,000

Benefit

Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/buying-aflat/resale/financing/cpf-housing-grants/living-with-nearparents-or-child

PR OXIM ITY HO U SING GRA NT

R E VIS E D IN DE CE MBE R 2 0 2 0


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Schemes to help seniors with flat purchase and loan Scheme / Measure

Criteria

Housing Loan Eligibility •

At least 1 Singapore Citizen flat buyer

All flat buyer(s) and their spouses must not have taken 2 or more housing loans from HDB

If the flat buyers and/or their spouses had taken 1 housing loan from HDB, the last owned property must not be a private residential property

The Loan-to-Value limit will be 90% if the remaining lease can cover the youngest buyer to at least age 95, and is pro-rated if otherwise

The loan tenure is shortest of (i) 25 years; (ii) 65 years minus the average age of the buyers; or (iii) remaining lease at the point of application minus 20 years.

Applies to seniors who are buying any flat type, except for short lease 2-room Flexi flats, which cannot be purchased with a loan

Applies to purchase of new or resale flat, and transfer of flat ownership

Seniors are allowed to take a loan as long as they are below age 65

Interest rate pegged above CPF Ordinary Account (OA) interest rate

Flexibility to make partial capital repayments and change loan tenure

Financial assistance measures are available if loan has to be restructured

Benefit

REV ISED IN DEC EM BE R 2 0 2 0

HOUS IN G L OAN E L IGIBIL IT Y


Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/ financing-a-flat-purchase/housing-loan-from-hdb/hdbloan-eligibility-application

H OUS ING LOA N ELIGIB ILIT Y

R E VIS E D IN DE CE MBE R 2 0 2 0


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Schemes to help seniors with flat purchase and loan Scheme / Measure

Deferred Downpayment Scheme •

Automatically extended to flat buyers who: – Are aged 55 years old and above; and – Have booked a 2-room Flexi or 3-room uncompleted flat in a mature or non-mature estate

Criteria •

Have not sold or completed the sale of their existing flat at the point of the new flat application

Enables seniors who are right-sizing to defer the down payment until key collection

Eligible flat buyers will only need to pay the stamp duty and legal fees when they sign the Agreement for Lease

They will pay the purchase price of the flat once it is ready for key collection*

Benefit

*If the new flat application is cancelled, the usual forfeiture of 5% of the flat price will apply.

Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/livingin-an-hdb-flat/for-our-seniors/deferred-downpaymentscheme

DE F E R R E D DOW N PAYME N T S CHE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Schemes to help seniors with flat purchase and loan Scheme / Measure

Criteria

Temporary Loan Scheme

Must have booked a new flat and the keys are now ready for collection

Must have submitted an application to sell the existing flat

Must have sufficient CPF/cash proceeds from the sale of the existing flat to fully redeem the temporary loan

Note: • The temporary loan will be offered at the prevailing non-concessionary interest rate •

If the temporary loan amount is not enough to complete the new flat purchase, the flat buyer must top-up the shortfall in cash within the stipulated time period so that the flat buyer may collect the keys to the new flat

To help ease cash flow when purchasing a new flat, flat buyers may apply for a temporary loan to complete the new flat purchase first, while the sale of their existing flat is underway

The temporary loan is a mortgage of the new flat and will be redeemed subsequently, with the net proceeds from the sale of the existing flat

Benefit

Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/living-inan-hdb-flat/for-our-seniors/temporary-loan-scheme

REV ISED IN DEC EM BE R 2 0 2 0

TE MP OR ARY L OAN S CHE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Schemes to help seniors with flat purchase and loan

Scheme / Measure

Use of CPF for Loan Repayment Scheme CPF rules that affect your ability to make mortgage payments when you turn 55.

Using your Retirement Account (RA) •

Only RA savings above your Basic Retirement Sum can be used (if the lease on your property lasts you until age 95)*

Excludes Government grants, top-ups done under the Retirement Sum Topping-Up Scheme and accrued RA interest

Using your Ordinary Account (OA) •

Any balance that remains in your OA can be used for housing loan repayments*

You can apply to reserve your OA savings for housing payments after the age of 55 before they are transferred to your RA.^ This means the retirement sum set aside in your RA will also be lower.

If you continue to work after 55, you can use the monthly contributions that go to the OA to service your mortgage, even if you have not met your applicable Retirement Sum

Criteria

*Housing withdrawal limits set by CPF will still apply. This is a safeguard against overspending on housing loan repayments at the expense of your retirement savings.

U S E OF CP F FOR L OAN R E PAYME N T S CHE ME


^Note: CPF Board will transfer any remaining reserved OA savings to your RA when any of the following events take place:

Criteria

Benefit

No payments made for your property for 6 months

You have not started using your CPF savings towards the property for 5 years

Your property is sold

When the purchase of the property stated in the form is aborted

After age 55, you may still access your CPF savings for housing from your Ordinary and Retirement Account (see Criteria) https://www.hdb.gov.sg/cs/infoweb/residential/living-inan-hdb-flat/for-our-seniors/use-cpf-for-loan-repayment

Contact / More Info

Reserve your OA savings: To reserve some or all of your OA savings, please log on using your SingPass to mycpf Online Services to submit your request.

U SE OF CPF F O R LO A N REPAY M E N T S C H E ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) (ii) Providing a senior-friendly HDB environment Senior-friendly improvements to enhance mobility and comfort in daily living

Scheme / Measure

Enhancement for Active Seniors (EASE) Part of the Home Improvement Programme (HIP) and offered separately under EASE (Direct Application) •

There is no age criterion under HIP. However, if you wish to get your EASE improvements earlier without waiting for HIP, or if your block does not qualify, you can apply under EASE (Direct Application) if you have met the age criterion

If you are a senior tenant/authorised occupier living in a rental block and have met the age criterion, your EASE improvements will be fully funded by the government

As a flat owner, you can apply for EASE (Direct Application) if you are a Singapore Citizen and have a senior member in the household who is:

Criteria

– 65 years old and above; or – aged between 60 and 64 years and requires assistance for one or more of the Activities of Daily Living (ADL)*/** *ADL refers to daily self-care activities within an individual’s place of residence. These activities include washing/bathing, dressing, feeding, toileting, mobility and transferring. ** Required to submit a Functional Assessment Report

Benefit

Improvement items installed in your flat through EASE can make it more elderly-friendly, and improve mobility and comfort for elderly residents.

E N HAN CE ME N T FOR ACT IVE S E N IOR S


These items include: – Slip-resistant treatment to existing floor tiles of up to 2 bathrooms/toilets – Grab bars in two sets: 8 or 10 grab bars for first toilet and within flat for the first set, and 6 grab bars for the second toilet for the second set – Up to a maximum of 5 ramps within flat and/or at main entrance. These could be a single-step ramp, portable ramp or a customised ramp for a multistep main entrance.

Benefit

For wheelchair-bound seniors living in flats with multistep main entrances, the EASE package includes the portable ramp and customised ramp

Costs of up to $3,840 (full EASE package with customised ramp) are subsidised up to 95% by the government for Singapore Citizen Households*: – 1-/2-/3-Room: Full EASE package with Single-Step Ramp ($125), Full EASE package with Portable Ramp ($147), Full EASE package with Customised Ramp ($192) – 4-Room: Full EASE package with Single-Step Ramp ($187.50), Full EASE package with Portable Ramp ($220.50), Full EASE package with Customised Ramp ($288) – 5-Room: Full EASE package with Single-Step Ramp ($250), Full EASE package with Portable Ramp ($294), Full EASE package with Customised Ramp ($384) – Executive: Full EASE package with SingleStep Ramp ($312.50), Full EASE package with Portable Ramp ($367.50), Full EASE package with Customised Ramp ($480)

*Costs are all estimates only. Final amounts will be made known to you before commencement of the EASE improvement works. Amount is also pre-GST. Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/living-inan-hdb-flat/for-our-seniors/ease Telephone: 1800-225-5432

EN H A NCEM EN T F O R A C T IV E SE N I O R S


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Senior-friendly improvements to enhance mobility and comfort in daily living

Scheme / Measure

Criteria

Benefit

Wheelchair Lifter Pilot Scheme To assist and aid residents with mobility issues when they enter and leave their homes. This will be offered for flats with multi-step entrances if the ramp solutions under EASE cannot be installed due to site constraints. •

Cost of the wheelchair lifter will be subsidised to $1,960* from the original cost of $3,920, regardless of flat type

•

First year of servicing is included in the warranty period**

*This is subject to prevailing GST and you may be required to replace/modify the metal gate at your own cost before the lifter can be installed. **From the second year onwards, you will need to pay a maintenance fee of about $80 a year.

Contact / More Info

https://www.hdb.gov.sg/cs/infoweb/residential/living-inan-hdb-flat/for-our-seniors/wheelchair-lifter-pilot-scheme

W HE E L CHAIR L IFTE R P IL OT S CHE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) (iii) Facilitating the monetisation of housing assets Housing Monetisation Schemes to supplement retirement income Lease Buyback Scheme (enhanced in Feb Budget 2020) Scheme / Measure

Monetise your flat* to receive a stream of income in your retirement years, while continuing to live in it. *applies to all flat types except short lease flats, HUDC and EC units

Criteria

All owners must be age 65 and older

At least one owner must be a Singapore Citizen

Gross monthly household income must be $14,000 or less

No concurrent ownership of second property

All owners must meet the Minimum Occupation Period of 5 years

Must be able to sell a minimum of 20 years of lease to HDB

Note: • Cannot be sold on the open market •

Cannot rent out the whole flat

If you wish to terminate the lease prematurely, you can return the flat to HDB and receive a refund for the remaining lease. You will continue to receive monthly payouts under CPF LIFE for as long as you live.

If you outlive the lease of your flat, you will not be homeless. HDB will work with you and your family members and consider your circumstances to determine an appropriate housing arrangement.

REV ISED IN DEC EM BE R 2 0 2 0

L E AS E BUYBACK S CHE ME


If you pass away within the lease period: – Your spouse or child who is living in the flat can take over ownership of the flat and live in the flat for the duration of the balance lease, or return the flat to HDB – If the flat is returned to HDB, HDB will reimburse the value of the remaining lease to your beneficiaries – The unused portion of your premium*, if any, will be refunded to your CPF accounts when you pass away. The money will then be distributed to your nominees. – If you have not made a nomination, the money will be distributed to your family members according to Singapore’s intestacy law

Criteria

*The unused portion of the premium is the annuity premium (excluding annuity payouts that you have received thus far). •

If you top up at least $60,000 of your proceeds to your CPF Retirement Account (RA) and join CPF LIFE, you will receive: – $30,000 cash bonus if you are living in 3-room or small flat type – $15,000 cash bonus if you are living in 4-room flat – $7,500 cash bonus if you are living in 5-room or larger flat

LE AS E BUYBA C K SC HEM E

If you top up less than $60,000, you will still receive a certain proportion of cash bonus. For owners of 3 room or smaller flats, the proportion is $1 bonus for every $2 top up.

R E VIS E D IN DE CE MBE R 2 0 2 0


Benefit

You can sell part of your flat’s remaining lease to HDB and choose to retain the length of lease based on the age of the youngest owner

Proceeds will be used to top up your CPF Retirement Account (RA), which can be used to join CPF LIFE, which will provide you with a monthly income for life.

MND https://www.mnd.gov.sg/yourhousingjourney/schemesand-grants

Contact / More Info

HDB https://www.hdb.gov.sg/cs/infoweb/residential/livingin-an-hdb-flat/for-our-seniors/monetising-your-flat-forretirement/lease-buyback-scheme https://www.hdb.gov.sg/cs/infoweb/residential/livingin-an-hdb-flat/for-our-seniors/monetising-your-flat-forretirement/lease-buyback-scheme/how-it-works

REV ISED IN DEC EM BE R 2 0 2 0

L E AS E BUYBACK S CHE ME


HOUSING SCHEMES (Source: https://www.hdb.gov.sg/cs/infoweb/homepage) Housing Monetisation Schemes to supplement retirement income

Scheme / Measure

Criteria

Silver Housing Bonus (SHB) Scheme (Enhanced in Feb Budget 2020) Right-sizing your flat to supplement your retirement income •

At least one owner must be Singapore Citizen and aged 55 or above

Gross monthly household income must be $14,000 or less

Your existing property can either be an HDB flat that has met the Minimum Occupation Period or a private property of Annual Value of $13,000 or less

No concurrent ownership of second property

You can buy a 3-room or smaller HDB flat. The purchase price of the smaller HDB flat should not exceed the selling price of your existing property

Booking of new HDB flat, or application buy resale flat must be: – Before sale of existing property; or – Within 6 months of completing sale of existing property

Benefit

If you buy a 3-room or smaller flat, you can apply for the SHB and receive up to $30,000 cash bonus per household by using part of your net sale proceeds to top up your CPF Retirement Account (RA) and join CPF LIFE

Net sale proceeds = selling price of existing property less any outstanding loan on existing property, refund to CPF account, resale levy, deductible of up to $15,000 of ancillary costs, and cash used for purchase of next property

REV ISED IN DEC EM BE R 2 0 2 0

S ILVE R HOUS IN G BON US S CHE ME


CPF Top-up requirement and cash bonus: If net sale proceeds are:

Benefit

Contact / More Info

•

Less than $60,000; all net sale proceeds will be used to top up your CPF RA. You will receive a $1 cash bonus for every $3 top-up.

•

$60,000 and above; you will have to top up $60,000 of your net sale proceeds to your CPF RA, to receive the maximum cash bonus of $20,000. Next, if all owners have reached the prevailing Full Retirement Sum (FRS), you may retain the balance proceeds in cash. Otherwise, you may only retain the balance proceeds in cash of up to a maximum of $100,000, and use any remaining proceeds in excess of the $100,000 to make a further top-up to the CPF RA of the flat owner with the lowest RA balance, up to the prevailing FRS.

https://www.hdb.gov.sg/cs/infoweb/residential/livingin-an-hdb-flat/for-our-seniors/monetising-your-flat-forretirement/silver-housing-bonus Telephone: 1800-555-6363

S I LV ER H OUS ING B O N U S SC HEM E

R E VIS E D IN DE CE MBE R 2 0 2 0



EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.workfare.gov.sg/Pages/Home.aspx) Scheme / Measure

Criteria

Workfare Income Supplement (WIS) Supplementing the income and retirement savings of lower-income Singaporean workers •

Singapore Citizen 35 years old or older on 31 Dec of work year

Earn a gross monthly income (includes basic salary and extra wages such as overtime pay and bonuses) of not more than $2,300 for the month worked for the past 12 months (previously $2,000)

Self-employed have to declare income to IRAS/CPFB at SingPost Branch and make MediSave contributions

Use WIS calculator at https://www.workfare.gov.sg/ Pages/Calculator.aspx to find out how much payouts you can receive

Not eligible if: x

Live in property with an annual value (estimated gross annual rental based on market rentals of similar properties) of more than $13,000 assessed as at 31 Dec of the preceding year

x

Own two or more properties

x

Spouse’s annual income exceed $70,000

For work done from 1 Jan 2020:

Age

Maximum annual payout Employee

Self-employed

35-44

$1,700

$1,133

45-54

$2,500

$1,667

55-59

$3,300

$2,200

60 & above

$4,000

$2,667

Benefit

REV ISED IN DEC EM BE R 2 0 2 0

W OR K FAR E IN COME S UP P L E ME N T


Benefit

Contact / More Info

For employed, 40% of WIS paid in cash and 60% in CPF contributions. For self-employed, 10% of WIS paid in cash and 90% in MediSave Account. https://www.workfare.gov.sg/Pages/WISEmployee.aspx WIS Hotline: 1800-227-1188

W OR K FARE IN C O M E SU PPLEM E N T

R E VIS E D IN DE CE MBE R 2 0 2 0


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.cpf.gov.sg) Workfare Special Payment (WSP) Scheme / Measure

Criteria

WSP was announced in February Budget 2020 and extended on 17 August 2020) and serves as a top up for WIS •

Singapore Citizen 35 years old or older on 31 Dec of work year

(For work done from 1 Jan 2020) Earn an average gross monthly income of not more than $2,300 for the past 12 months

Self-employed have to declare income to IRAS/CPFB at SingPost Branch and make MediSave contributions

Use WIS calculator at https://www.workfare.gov.sg/ Pages/Calculator.aspx to find out how much payouts you can receive

Singaporeans who received WIS payment for Work Year (WY) 2019

Singaporeans who received WIS payment for WY2020, but not WY2019

Not eligible if: x

Live in property with an annual value (estimated gross annual rental based on market rentals of similar properties) of more than $13,000 assessed as at 31 Dec of the preceding year

x

Own two or more properties

x

Spouse’s annual income exceed $70,000

REV ISED IN DEC EM BE R 2 0 2 0

W OR K FAR E S P E CIAL PAYME N T


WSP will provide additional support for low-wage workers aged 35 and above in 2019. An extension was announced on 17 August 2020 to support low-wage workers aged 35 and above in 2020 who received WIS payment for WY2020, and who have not already qualified for WSP previously. Persons with disabilities aged 35 and below, who meet the WIS eligibility criteria for WY2019 or WY2020, will also receive the WSP. Eligibility Criteria

Disbursement Timeline Eligible to receive a $3,000 WSP, which will be paid over two equal payments of $1,500 each:

Singaporeans who received WIS payment for Work Year (WY) 2019 Benefit

Singaporeans who received WIS payment for WY2020, but not WY2019

Via direct bank crediting on 28 July and 28 Oct 2020* for those with governmentregistered bank accounts.

Via cheque by 15 Aug and by 15 Nov 2020.

Eligible to receive a $3,000 WSP, which will be paid in full on 28 Oct 2020^: •

Via direct bank crediting on 28 Oct 2020 for those with government-registered bank accounts.

Via cheque by 15 Nov 2020.

Note: *Singaporeans who qualify for WY2019 WIS after July 2020 but before 31 March 2021 will receive the WSP in the month that they become eligible for WY2019 WIS. ^Singaporeans who qualify for WY2020 WIS after October 2020 but before 31 December 2021 will receive the WSP in the month that they become eligible for WY2020 WIS. Contact / More Info

https://www.cpf.gov.sg/Members/Schemes/schemes/ retirement/workfare-special-payment

W OR K FARE S P EC IA L PAY M EN T

R E VIS E D IN DE CE MBE R 2 0 2 0


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.workfare.gov.sg ; https://www.wsg.gov.sg) Workfare Skills Support (WSS) Scheme Scheme / Measure

Enhanced to WSS from 1 July 2020, previously Workfare Training Supplement (WTS) WSS complements the WIS scheme by encouraging older lower-wage workers to upgrade their skills. •

Singapore citizen aged 35 years and above (aged 13 years and above for persons with disability)

Earn not more than $2,300 for the month worked for the past 12 months

Self-employed have to declare income to IRAS/CPFB at SingPost Branch and make MediSave contributions

Sign up and pay for any WSS qualifying courses by themselves

Criteria

Not eligible if: x

Live in property with an annual value (estimated gross annual rental based on market rentals of similar properties) of more than $13,000 assessed as at 31 Dec of the preceding year

x

Own two or more properties

x

Spouse’s annual income exceed $70,000

Eligible to training allowance (TA) of $6.00 per hour of training*, up to a cap of 180 hours per WSS eligibility year. Individuals must pass their course with a minimum attendance rate of 75% Benefit

* Eligible courses include outcome-based courses offered by SSG-appointed CET centre and courses under the cleaning, security, landscape and lift sectors (Full list of SSG-appointed CET centres can be found at https://www.ssg.gov.sg/wsq/cet-centres.html)

REV ISED IN DEC EM BE R 2 0 2 0

W OR K FAR E S K IL L S S UP P ORT S CHE ME


Workfare https://www.workfare.gov.sg/Pages/WSS.aspx MOM

Contact / More Info

https://www.mom.gov.sg/-/media/mom/documents/ budget2020/factsheet-workfare-skills-support-scheme. pdf Workforce Singapore https://www.wsg.gov.sg/programmes-and-initiatives/ workfare-skills-support-scheme-individuals.html Hotline: 1800-536-8333

W OR K FARE S K ILLS SU PPO RT SC H E ME

R E VIS E D IN DE CE MBE R 2 0 2 0


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.mom.gov.sg/about-us/budget-highlights-2020) Scheme / Measure

Senior Worker Support Package (Mostly measures are for employers/ Introduced in Feb Budget 2020)

companies-

Retirement Age (RA) and Re-employment Age (REA) will be raised gradually from 62 to 65 and 67 to 70 respectively by 2030. The first increases will take place on 1 July 2022 (RA to 63 and REA to 68). Criteria

Current

From 1 July 2022

By 2030

RA

62

63

65

REA

67

68

70

CPF contribution rates for Singaporean and Permanent Resident workers aged above 55 to 70 will be increased on 1 January 2022. The CPF Transition Offset will be given to their employers, to offset half of the increase in employer CPF contribution rates for one year (from 1 January 2022 to 31 December 2022), up to the CPF salary ceiling of $6,000 per month.

Benefit

Age of employee (as of 1 Jan 2021)

>55-60

>60-65

>65-70

Total CPF Contribution

28%

18.5%

14%

Employee CPF Contribution

14%

8.5%

6%

Employer CPF Contribution

14%

10%

8%

CPF Transition offset (equivalent to half of the increase in employer CPF contribution rates)

0.5%

0.5%

0.25%

REV ISED IN DEC EM BE R 2 0 2 0

S E N IOR W OR K E R S UP P ORT PACK AGE


Contact / More Info

https://www.mom.gov.sg/-/media/mom/documents/ budget2020/factsheet-senior-worker-support-package. pdf

S E N I OR WORK ER SU PPO RT PA C K A G E

R E VIS E D IN DE CE MBE R 2 0 2 0


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.wsg.gov.sg) Scheme / Measure

Criteria

Adapt and Grow (A&G) Initiative In general, all locals are eligible for assistance from A&G, although there may be specific eligibility criteria for different programmes. The A&G initiative helps Singaporeans to address missed matches and mismatches in skills, wage, and job expectations. Through the A&G initiative, Workforce Singapore (WSG) and NTUC’s Employment and Employability Institute (e2i) offer employment facilitation services such as career coaching, employability workshops, job fairs and job matching. They also provide a suite of employment support programmes to help jobseekers take up new jobs and careers.

Benefit

The A&G initiative offers enhanced rates of training or wage support to employers that hire mature local jobseekers (i.e. aged 40 and above) through the following programmes: •

Professional Conversion Programmes (PCPs) provide training and salary support of up to 90% to help jobseekers reskill and move into new occupations or sectors

The Career Support Programme (CSP) provides salary support of up to 50% to encourage employers to hire mature retrenched or long-term unemployed PMETs

Workforce Singapore: https://www.wsg.gov.sg/adapt-and-grow.html Telephone: 6883 5885

Contact / More Info

NTUC’s e2i: https://e2i.com.sg/ Telephone: 6474 0606 Jobseekers can also visit MyCareersFuture.sg (https://www.mycareersfuture.sg), or approach Workforce Singapore (WSG)’s Careers Connect and NTUCEmployment and Employability Institute’s (NTUC-e2i’s) career centres for more assistance.

REV ISED IN DEC EM BE R 2 0 2 0

ADAP T AN D GR OW IN IT IATIVE


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.centreforseniors.org.sg) Scheme / Measure

Benefit

Contact / More Info

Centre for Seniors / Platinum (www.silverjobs.sg)

A training and job matching portal for seniors

http://www.centreforseniors.org.sg/wps/portal/ centreforseniors/home Email: admin@cfs.org.sg Telephone: 6478 5015

REV ISED IN DEC EM BE R 2 0 2 0

CE N T R E FOR S E N IOR S / P L AT IN UM


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.nsa.org.sg) Scheme / Measure

Criteria

Benefit

Contact / More Info

National Silver Academy

Singaporeans aged 50 and above

Over 1,000 subsidised short courses by post-secondary education institutions (PSEIs) and community-based organisations.

Selected degree/diploma modules offered by PSEIs can also be taken at a token fee, without exams.

Also offered are ad-hoc learning opportunities such as the Intergenerational Learning Programme (ILP), bite-sized courses and short talks offered by partner institutions.

Search for classes online at https://www.nsa.org.sg/ http://www.c3a.org.sg/Home_process.do

REV ISED IN DEC EM BE R 2 0 2 0

N AT ION AL S ILVE R ACADE MY


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.skillsfuture.sg)

Scheme / Measure

SkillsFuture Credit Funding support to encourage Singapore Citizens in education and training

Criteria

Singaporeans aged 25 and above

Benefit

Opening credit of $500 towards payment of learning and training selected.

Contact / More Info

https://www.skillsfuture.sg/credit Telephone: 6785 5785

REV ISED IN DEC EM BE R 2 0 2 0

S K IL L S FUTUR E CR E DIT


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.skillsfuture.sg)

Scheme / Measure

Criteria

SkillsFuture Mid-Career Support Package (SMCSP) (Announced in Feb Budget 2020, enhanced under May 2020 Budget)

Local workers in their 40s and 50s

Hiring incentive covers local workers of all ages, with increased support for those aged 40 and above

Hiring incentives for employers who hire local workers aged 40 and above through eligible reskilling programmes

A one-off SkillsFuture Credit of $500 will be provided to every Singapore Citizen aged 40 to 60 (inclusive) as at 31 December 2020 (credits are valid for 5 years and expire on 31 December 2025)

Benefit

– This is on top of the $500 SkillsFuture Credit for Singapore Citizens aged 25 and above as at 31 December 2020 •

SkillsFuture Credit provided under this package from 1 October 2020, on about 200 career transition programmes offered by the Continuing Education and Training (CET) Centres

SkillsFuture https://www.skillsfuture.sg/midcareersupportpackage Contact / More Info

Singapore Budget https://www.singaporebudget.gov.sg/docs/defaultsource/budget_2020/download/pdf/annexb2.pdf

REV ISED IN DEC EM BE R 2 0 2 0

S K I L L S FUTUR E MID- CAR E E R S UP P ORT PACK AGE


EMPLOYMENT, TRAINING & LIFELONG LEARNING (Source: https://www.imda.gov.sg/seniorsgodigital) Scheme / Measure

Mobile Access for Seniors •

Singapore Citizen aged 60 and above;

Current beneficiary of one of the below selected government assistance schemes; – MSF’s ComCare Long Term Assistance (LTA) – MSF’s ComCare Short-to-Medium Term Assistance (SMTA) – HDB Public Rental Scheme

Criteria

Not an existing IMDA Home Access beneficiary who has received a smartphone;

Attended IMDA’s Seniors Go Digital – Learning programme; and

Picked up at least one basic digital skill e.g. basic digital communication skills, navigating government digital services, or transacting with e-payments. Mobile Plan (at $5 per month)* M1

Singtel

StarHub

TPG

6 GB 100 mins 20 SMS

5 GB 150 mins 50 SMS

8GB 350 mins 200 SMS

20GB 300 mins 30 SMS

Smartphone (starting from $20)* OPPO A12 ($20)

OPPO A12 ($20)

Vivo Y1S ($20)

Lenovo A7 ($20)

Huawei Y6s ($31)

Realme C3 ($40)

Huawei Y6s ($38)

Vivo Y1S ($40)

Samsung Galaxy A11 ($46)

Samsung Galaxy A11 ($58)

Samsung Galaxy A11 ($58)

Samsung Galaxy A11 ($60)

REV ISED IN DEC EM BE R 2 0 2 0

MOBIL E ACCE S S FOR S E N IOR S


Under the Mobile Access for Seniors scheme, you are able to get a subsidised smartphone with mobile plan. Before you can apply for the scheme, you need to attend IMDA’s Seniors Go Digital – Learning programme and pick up at least one basic digital skill e.g. basic digital communication skills, navigating government digital services, or transacting with e-payments. Eligible seniors may enjoy the following subsidised products and services: – 1-year mobile plan – at $5 per month – Smartphone – starting from $20 (1-time cost) The subsidised plan will come with: Benefit

– – – –

Free SIM card registration Free caller ID Unlimited incoming local calls Continued mobile data connectivity, with no excess data charges – Other value-added services. If you wish to sign up for IMDA’s Seniors Go Digital – Learning programme, or require any digital assistance, you may walk in to any SG Digital Office (SDO) as no referral is needed. The learning programme will be tiered according to your digital needs: – Tier 1: Basic communication tools – Tier 2: Government digital services – Tier 3: e-Payment tools

For more information, visit https://www.imda.gov. sg/programme-listing/Mobile-Access-for-Seniors or call 6377 3800. For more information, visit https://www.imda.gov. sg/programme-listing/Mobile-Access-for-Seniors or call 6377 3800. SG Digital Offices Contact / More Info

SG Digital Ambassadors will be located at selected CCs and Public Libraries to provide 1-to-1 guidance on a customised packaged tailored to equip seniors with digital skills. Refer to link for SG Digital Community Hubs: https://www.imda.gov.sg/en/seniorsgodigital/Learn/ Guided-Learning/SG-Digital-Community-Hubs

MOB ILE ACCESS F O R SEN IO RS

R E VIS E D IN DE CE MBE R 2 0 2 0



HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Subsidies for Services and Drugs at Public Healthcare Institutions •

Singapore Citizens and Permanent Residents who are: – Accommodated in subsidised wards (B2+/B2/C)

Criteria

– Subsidised patients at the specialist outpatient clinics – Patients at the polyclinics Provides subsidies for services and drugs at public hospitals, specialist outpatient clinics and polyclinics: •

Public Hospitals – Up to 80% subsidy of total bill in acute public hospital wards

• Benefit

Public Specialist Outpatient Clinics (SOCs) – Up to 70% subsidy for subsidised treatments at public SOCs

Polyclinics – Up to 75% for subsidised treatments at polyclinics

Accident & Emergency Department – Up to 50% for visits to public hospital A&E department

https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies Contact / More Info

List of drugs under subsidy: https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/drug-subsidies-schemes MOH: 6325 9220

REV ISED IN DEC EM BE R 2 0 2 0

S UBS IDIE S FOR S E R VICE S AN D DR UGS


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Criteria

Benefit

Pioneer Generation Package (information updated as at 15 Sep 2020) •

Aged 16 and above in 1965 i.e. Born on or before 31 Dec 1949,

Aged 65 and above in 2014 and obtained citizenship on or before 31 December 1986.

Additional 50% off remaining bill for subsidised services and medications at polyclinics and Specialist Outpatient Clinics

Special subsidies at participating GP and dental clinics under the Community Health Assist Scheme (CHAS)

Special MediShield Life subsidies

Annual MediSave Top-Ups for life

Additional CareShield Life participation incentive

$100 cash payout under the enhanced Care and Support Package in March Budget 2020

Pioneers https://www.pioneers.gov.sg/en-sg/Pages/Overview.aspx Contact / More Info

MOH https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/pioneer-generation-package

REV ISED IN DEC EM BE R 2 0 2 0

P ION E E R GE N E R ATION PACK AGE


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Merdeka Generation Package

Singapore citizens who:

Criteria

Benefit

Were born from 1 January 1950 to 31 December 1959, and

Became a Singapore citizen on or before 31 December 1996

or •

Were born on or before 31 December 1949, and

Became a Singapore citizen on or before 31 December 1996, and

Do not receive the Pioneer Generation Package

PAssion Silver Card Top-up

Additional 25% off remaining bill for subsidised services and medications at polyclinics and Specialist Outpatient Clinics

Special subsidies at participating GP and dental clinics under the Community Health Assist Scheme (CHAS)

MediSave Top-Ups (for five years)

Additional MediShield Life Premium Subsidies

Additional CareShield Life Participation Incentive

$100 cash payout under the enhanced Care and Support Package in March Budget 2020

REV ISED IN DEC EM BE R 2 0 2 0

ME R DE K A GE N E R AT ION PACK AGE


MOH

Contact / More Info

https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/merdeka-generation-package Merdeka Generation https://www.merdekageneration.sg/en/benefits

ME R D EKA GEN ERAT IO N PA C KA G E

R E VIS E D IN DE CE MBE R 2 0 2 0


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

MediSave Use MediSave to pay for your medical expenses at

Benefit

Public hospitals, polyclinics, Specialist Outpatient Clinics

General Practitioner clinics, private and community hospitals, day rehabilitation and palliative care providers

MediSave can be used for – Surgery or hospitalisation – Recurring treatments such as withdrawals for severe disability

dialysis

and

– Recommended health screenings, vaccinations, chronic disease treatments – Rehabilitation and recovery – Medical scans – To pay for insurance premiums https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/medisave Contact / More Info

https://www.moh.gov.sg/docs/librariesprovider5/ schemes-subsidies/medisave/medisave_booklet_b5_ complete_fa_rev2_path.pdf MOH: 6325 9220

REV ISED IN DEC EM BE R 2 0 2 0

ME DIS AVE


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Criteria

Benefit

Contact / More Info

Flexi-MediSave

Singaporeans aged 60 and above

Up to $200 per year can be used under the FlexiMediSave scheme for outpatient medical treatments at specialist outpatient clinics (SOCs) in public hospitals, polyclinics, and CHAS General Practitioner (GP) clinics.

In 2018, MOH lowered the minimum age criteria for Flexi-MediSave from 65 to 60. The annual MediSave withdrawal limit for outpatient vaccinations, health screenings and chronic disease management was raised from $400 to $500.

https://www.cpf.gov.sg/Members/FAQ/schemes/ healthcare/medisave MOH: 6325 9220

REV ISED IN DEC EM BE R 2 0 2 0

FL E X I- ME DIS AVE


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Five-year MediSave Top-ups

Criteria

All Singaporeans born in 1969 or earlier, who do not receive Merdeka or Pioneer Generation benefits.

Benefit

5-year MediSave top-ups of $100 per year, from 2019 to 2023.

Contact / More Info

https://www.mof.gov.sg/news-publications/pressreleases/1-4-million-singaporeans-to-receive-570-millionin-gst-vouchers-in-august-2020#:~:text=5%2DYear%20 MediSave%20Top%2Dup,accounts%20in%20end%20 August%202020 MOH: 6325 9220

REV ISED IN DEC EM BE R 2 0 2 0

F IVE - YE AR ME DIS AVE T OP - UP S


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Community Health Assist scheme (CHAS)

Criteria

Since Nov 2019, all Singaporeans are eligible for CHAS, regardless of income

Benefit

Refer to table on CHAS at the end of the handbook for details on criteria and subsidies available for different types of CHAS cards

Contact / More Info

www.chas.sg CHAS hotline: 1800-275-2427

REV ISED IN DEC EM BE R 2 0 2 0

COMMUN IT Y HE ALT H AS S IS T S CHE ME


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Benefit

Contact / More Info

Careline

A personal care telephone service by Changi General Hospital (CGH).

It provides health and social support to seniors who may be living alone or are frail.

CareLine is there to provide telephone support for our seniors 24/7

To register senior as a member of CareLine, call 63407054 Email: Careline@cgh.com.sg

REV ISED IN DEC EM BE R 2 0 2 0

CAR E L IN E


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Criteria

Subsidies for Government-Funded Intermediate and Long-Term Care (ILTC) Services •

Singapore Citizens or Permanent Residents

Meet admission criteria of the ILTC service(s)

Receiving care from a MOH-funded service provider

The Government provides means-tested subsidies of up to 75% for residential ILTC services and up to 80% for non-residential ILTC services

Amount of subsidies the individual receives depends on their household means-test result

ILTC services currently cover centre-based services, home care services, and residential services (e.g. nursing homes and community hospitals)

For further details on admission eligibility and MOHfunded service providers, please approach your nearest AICare Link

Additional Info Benefit

ILTC services are typically required for persons who need care and/or treatment after being discharged from an acute hospital, as well as community-dwelling elderly who may be frail and need supervision or assistance with their activities of daily living

Residential services include Community Hospitals, Nursing Homes, Psychiatric Rehabilitation and inpatient hospices

Centre Based Services includes Community Rehabilitation, Day Care, Dementia Day Care and Day Hospice Care services

Home Based Services includes Home Medical Care, Home Nursing Care, Home Palliative Care, Home Personal Care and Meals on Wheels

REV ISED IN DEC EM BE R 2 0 2 0

S U B S I D I E S F OR GOVE R N ME N T- F UN DE D ILT C S E R VICE S


Contact / More Info

For more information, please approach staff of Government hospitals or MOH-funded ILTC service providers https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/subsidies-for-government-fundedintermediate-long-term-care-services

S UB SIDIES FO R GO V ERNM ENT-F U N D E D I LT C S E R V I C E S

R E VIS E D IN DE CE MBE R 2 0 2 0


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Benefit

Contact / More Info

Intermediate and Long-Term Care (ILTC) Drug Subsidy Scheme •

MOH-subsidised ILTC clients will pay the same price for drugs prescribed by their ILTC doctors, as if they were subsidised patients in the polyclinics and public hospitals

ILTC patients do not need to see a polyclinic or public hospital doctor just to obtain drugs at subsidised prices, if their conditions can be managed by their ILTC doctor

This scheme will apply in key ILTC services with care models that require medical treatment and drug prescriptions

Please consult your eligible ILTC service provider(s) for more information.

REV ISED IN DEC EM BE R 2 0 2 0

ILT C DR UG S UBS IDY S CHE ME


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) MediShield Life

Scheme / Measure

https://www.straitstimes.com/singapore/health/ medishield-life-to-offer-sporeans-more-coverage-andbenefits-next-year-under https://www.moh.gov.sg/docs/librariesprovider5/defaultdocument-library/annex-a7eebc4edb05b4a61b0cc003ac8 757a7b.pdf (Tables A1 to A6 at the end of the handbook)

Criteria

Benefit

All Singapore Citizens and Permanent Residents

A basic national healthcare insurance scheme for life

Helps you pay for large hospital bills and selected costly outpatient treatments

Premium subsidies for lower-to-middle-income households and Pioneer Generation seniors

CPF https://www.cpf.gov.sg/Members/Schemes/schemes/ healthcare/medishield-life Contact / More Info

MOH https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/medishield-life MOH: 1800-222-3399

REV ISED IN DEC EM BE R 2 0 2 0

ME DIS HIE L D L IFE


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg)

Scheme / Measure

MediFund Help Singapore Citizens who cannot afford their medical bills To apply for MediFund assistance, you must: •

be a Singapore Citizen;

be a subsidised patient;

have received or require treatment from a MediFundapproved institution; and

having difficulties paying for your healthcare bills after Government subsidies and other means including MediShield Life, MediSave, and cash

Criteria

Your application will be assessed holistically, taking into consideration you and your family’s financial, health and social circumstances.

Benefit

Contact / More Info

Every MediFund-approved institution has an independent MediFund Committee to consider and approve applications, and decide on the appropriate quantum of assistance to provide

The actual amount of assistance received depends on you and your family members’ financial, health and social circumstances, as well as the size of the medical bill incurred

https://www.moh.gov.sg/cost-financing/healthcare­ schemes-subsidies/medifund MOH: 6325 9220

REV ISED IN DEC EM BE R 2 0 2 0

ME DIF UN D


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Medical Fee Exemption Card

To qualify for the Medical Fee Exemption Card:

Criteria

Benefit

Contact / More Info

You must be staying in: a MOH-funded VWO nursing home, chronic sick hospital, or inpatient hospice; OR a private nursing home under the portable subsidy scheme

You must be a Singapore Citizen, Permanent Resident or a stateless person with documents from the Immigration and Checkpoints Authority to prove you are not an illegal immigrant

Your savings must be $6,000 or less, and you must have less than $700 in monthly per capita income

This card covers standard medical and hospitalisation treatments at public healthcare institutions (government/ restructured hospitals, polyclinics) and intermediate and long term care (ILTC) services, if you are sick and need financial assistance. Approach a medical social worker at the institution you are staying in. The medical social worker will apply for the card for you. https://www.msf.gov.sg/assistance/Pages/Medical-FeeExemption-Card.aspx

REV ISED IN DEC EM BE R 2 0 2 0

ME DICAL F E E E X E MP T ION CAR D


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Benefit

Contact / More Info

HealthLine

A free telephone service if you need advice on health issues or more information on disease prevention.

https://www.hpb.gov.sg/contact-us Telephone: 1800-223-1313

REV ISED IN DEC EM BE R 2 0 2 0

HE ALT HL IN E


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Benefit

Contact / More Info

Singapore Silver Line

For seniors and caregivers to speak with a care consultant on eldercare needs.

http://www.silverschemes.sg/post_single_age/singaporesilver-line-resource-hotline/ Telephone: 1800-650-6060

REV ISED IN DEC EM BE R 2 0 2 0

S IN GAP OR E S ILVE R L IN E


HEALTHCARE (Source: www.pioneers.sg ; www.aic.sg ; www.merdekageneration.sg ; www.moh.gov.sg) Scheme / Measure

Criteria

Benefit

Enhanced Screen for Life

Any Singaporean recommended by the Health Promotion Board (HPB) to go for selected screening services.

Receive subsidies when they visit a CHAS GP clinic for health screening recommended under Enhanced SFL

Pay up to $5 for the recommended screening test(s) and the first post-screening consultation (if necessary). CHAS Blue/Orange cardholders only need to pay $2, and Pioneers need not pay. From 1 November 2019, MG Seniors will only need to pay $2.

HPB www.hpb.gov.sg Contact / More Info

MOH https://www.moh.gov.sg/cost-financing/healthcare­ schemes-subsidies/enhanced-screen-for-life HPB: 1800-225-4482

REV ISED IN DEC EM BE R 2 0 2 0

E N HAN CE D S CR E E N FOR L IF E


SUPPORTING SENIORS WITH DISABILITIES (Source: www.moh.gov.sg ; www.cpf.gov.sg) Scheme / Measure

Criteria

ElderShield

Singapore Citizens and Permanent Residents with MediSave accounts are automatically covered under ElderShield at the age of 40 unless they opt-out of scheme. •

A severe disability insurance scheme that provides monthly cash payouts for a period of time in the event of severe disability

For those who are unable to perform at least three of six Activities of Daily Living (ADL), ElderShield will pay a monthly cash benefit of $300 per month for up to 60 months, or $400 per month for up to 72 months

Administered by three private insurers: Aviva Singapore, Great Eastern and Income. 4 Benefits of ElderShield:

Benefit

1. Monthly cash payout. In the event of a severe disability, you will be eligible to receive a monthly cash payout for a period of time, depending on the plan. 2. You are covered for life. Once you start paying premiums, you can make a claim at any age, should you suffer from severe disability. Even after your premium term is completed at age 65, you remain insured for life. 3. Premiums can be fully paid by MediSave. You can use your own MediSave or your family members’ MediSave to pay for your premiums. 4. Premium payment until 65. Your premium amount is determined at the age of entry and does not increase with age. Premiums are payable annually until you reach 65 years old or when you make a claim.

REV ISED IN DEC EM BE R 2 0 2 0

E L DE R S HIE L D


https://www.moh.gov.sg/careshieldlife/about-eldershield Contact / More Info

MOH: 1800-222-3399 https://www.cpf.gov.sg/Members/Schemes/schemes/ healthcare/eldershield CPF: 1800-227-1188

EL D ERS H IELD

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING SENIORS WITH DISABILITIES (Source: www.moh.gov.sg ; www.cpf.gov.sg) CareShield Life (From Oct 2020) Scheme / Measure

Formerly ElderShield Will support the basic long-term care needs of Singapore residents with severe disability. From 2020, ElderShield will be replaced by a compulsory scheme known as CareShield Life (for cohorts born in 1980 and later), with two additional enhancements — MediSave withdrawals and a new ElderFund for severely disabled Singaporeans to meet their long-term care needs.

Criteria

If you are born in 1980 or later: If you are born between 1980 to 1990 (aged 30 to 40 in 2020), you will be automatically covered by CareShield Life in 2020. If you are born after 1990 (aged below 30 in 2020), you will be automatically covered by CareShield Life when you turn 30.

If you are born in 1979 or earlier: You can choose to join CareShield Life in 2021, if you are not severely disabled. To make joining CareShield Life more convenient, you will be automatically covered by CareShield Life from 2021 if you are a Singapore Resident born between 1970 and 1979 and are insured under the ElderShield 400 scheme and are not severely disabled. If you are automatically covered and do not wish to participate in the scheme, you have up to 31 Dec 2023 to opt out from the scheme and get your premiums refunded. (While ElderShield will no longer be offered to new applicants, existing ElderShield policyholders can choose to remain on the scheme.)

REV ISED IN DEC EM BE R 2 0 2 0

CAR E S HIE L D L IF E


Benefit

•

Lifetime cash payouts starting at $600 per month in 2020 for those who require assistance for three of the six Activities of Daily Living.

•

CareShield Life will offer payouts starting at $600 per month (for claims made in 2020, with future increases to be reviewed regularly) for life. Severely disabled Singaporeans with at least $5,000 in their MediSave accounts can withdraw $50 - $200 in cash per month. ElderFund, a discretionary assistance scheme, will provide needy severely disabled folk up to $250 per month.

CareShield Life will provide better protection and assurance in 4 ways: 1. Lifetime cash payouts a) For as long as you are severely disabled 2. Payouts increase over time a) Starting at $600 per month in 2020 b) Payouts increase until age 67, or when you make claims, whichever is earlier 3. Government Subsidies to make it affordable a) No one will lose coverage if they cannot pay the premiums 4. Premiums can be fully payable by MediSave www.careshieldlife.sg https://www.moh.gov.sg/careshieldlife/about-careshieldlife

Contact / More Info

https://www.moh.gov.sg/careshieldlife/about-careshieldlife/premiums-and-premium-support Check your CareShield Life premiums via the Premium Calculator: https://www.moh.gov.sg/careshieldlife/about-careshieldlife/careshield-life-premium-calculator MOH: 1800-222-3399

C AR ES HIELD L IF E

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING SENIORS WITH DISABILITIES (Source: www.moh.gov.sg ; www.cpf.gov.sg) Scheme / Measure

ElderFund (From Jan 2020)

Discretionary assistance for lower-income Singaporeans who are severely disabled* and do not have CareShield Life, ElderShield or the Interim Disability Assistance Programme (IDAPE)

For Singapore Citizen, aged 30 and above, and residing in Singapore

Household monthly income per person is $1,200 or less, and MediSave balance of less than $10,000

Criteria

*Unable to perform at least three out of six ADL (eating, bathing, dressing, transferring, toileting and walking or moving around).

Benefit

Receive up to $250 per month to help with long-term care needs.

AIC https://www.aic.sg/financial-assistance/ElderFund Contact / More Info

MOH https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies MOH: 1800-222-3399

REV ISED IN DEC EM BE R 2 0 2 0

E L DE R F UN D


SUPPORTING SENIORS WITH DISABILITIES (Source: www.moh.gov.sg ; www.cpf.gov.sg) Scheme / Measure

Criteria

MediSave for Long-Term Care (From Oct 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 or their spouse’s MediSave for their long-term care needs. *Those who are overseas will also be eligible for cash withdrawal. Withdraw cash of up to $200 per month from MediSave for severe disability. After setting aside a minimum amount of $5,000 to ensure adequacy for other medical expenses, severely disabled individuals# can withdraw up to $2,400 per year (up to $200 per month) as cash. See table below for eligible withdrawal amounts. Individuals who have insufficient MediSave balances can choose to tap on their spouse’s MediSave to supplement the withdrawal, up to the same cap of $200 per month*. The eligible withdrawal quantum from the spouse’s MediSave account is also based on the spouse’s MediSave balance in the table below.

Benefit

Unable to perform at least three out of six ADL (eating, bathing, dressing, transferring, toileting and walking or moving around).

#

*The total withdrawal for the severely disabled individual is capped at $200 per month even if supplemented by spouse’s MediSave. MediSave Balance

Monthly Withdrawal Quantum

$20,000 and above

$200

$15,000 and above

$150

$10,000 and above

$100

$5,000 and above

$50

Below $5,000

Nil

REV ISED IN DEC EM BE R 2 0 2 0

ME DIS AVE FOR L ON G- T E R M CAR E


https://www.moh.gov.sg/docs/librariesprovider5/ pressroom/press-releases/annex-d.pdf Contact / More Info

https://www.moh.gov.sg/careshieldlife/long-term-carefinancing/enhancements-(2020) MOH: 1800-222-3399

ME DIS AVE FO R LO NG-T ERM C A R E

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING SENIORS WITH DISABILITIES (Source: www.moh.gov.sg ; www.cpf.gov.sg) Interim Disability Assistance Programme for the Elderly (IDAPE) Scheme / Measure

Criteria

An assistance scheme for severely disabled* Singaporean seniors who were not eligible for ElderShield in 2002 because of their age, or due to their pre-existing disabilities. •

Applicants must be a Singapore Citizen born before 30 September 1932; or born between 1 October 1932 and 30 September 1962 (both dates inclusive), with pre-existing disabilities as at 30 September 2002

•

Your per capita household monthly income is $2,800 or less OR you have no household income and are living in a residence with Annual Value of $13,000 and below

*Unable to perform at least three out of six ADL (eating, bathing, dressing, transferring, toileting and walking or moving around). Monthly payout of $150 or $250 (depending on your household monthly income per person), for a maximum period of 72 months. Benefit

Contact / More Info

Per Capita Household Monthly Income

Monthly Payout

$0 - $1,800

$250

$1,801 - $2,600

$150

https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/interim-disability-assistanceprogramme-for-the-elderly

REV ISED IN DEC EM BE R 2 0 2 0

IDAP E


SUPPORTING SENIORS WITH DISABILITIES (Source: https://www.sgenable.sg/Pages/Home.aspx) Assistive Technology Fund Scheme / Measure

Criteria

For persons with disabilities who need to acquire, replace, upgrade or repair assistive technology devices for purposes of early intervention, education, training, employment, therapy, rehabilitation and/or independent living. •

Singapore Citizen or Permanent Resident

Certified by qualified assessors to have a permanent disability of any one of the following – Physical Disability, Visual Impairment, Hearing Impairment, Intellectual Disability and Autism Spectrum Disorder

Undergone a qualified assessor’s assessment to determine the need and type of device required

Has a per capita gross monthly household income of $2,000 and below; and undergone the household national means-testing

The fund supports persons with disabilities who need to acquire, replace, upgrade or repair assistive technology devices. The device should be used for purposes of early intervention, education, training, employment, therapy, rehabilitation and/or independent living.

Benefit

Approved applicants will be subsidised between 30% to 90% of the cost, based on the income assessment, subject to a lifetime cap of $40,000 per individual. Applicants can approach touchpoints from hospitals and social service agencies (e.g. social or case worker), who will assist in the completion and submission of the application form. Further details and frequently asked questions for the scheme can be found on SG Enable’s website.

REV ISED IN DEC EM BE R 2 0 2 0

AS S IS T IVE T E CHN OL OGY F UN D


Contact / More Info

https://www.sgenable.sg/pages/content.aspx?path=/ schemes/equipment-technology-home-retrofit/assistivetechnology-fund/

A SSI STIVE TEC HN O LO GY F U N D

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING SENIORS WITH CARE NEEDS (Source: www.aic.sg) Scheme / Measure

Criteria

Benefit

Medical Escort and Transport Services To assist frail and home bound seniors with attending medical appointments •

Singapore Citizens or Permanent Residents

Requires a referral from a hospital or polyclinic that he/she visits, or visit an AlC Link near them

Means–tested for subsidy eligibility

Providing escort services for clients who need assistance during their medical appointment

Providing specialised transport serves to help clients to get from their homes to medical appointments/ treatments and back

Subsidy depending on means-test results

Or visit AlC Links, see locations here https://www.aic.sg/about-us/aic-link/ Contact / More Info

https://www.aic.sg/care-services/medical-escort-andtransport AIC Hotline: 1800-650-6060

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ME D I CAL E S CORT AN D T R AN S P ORT S E R VICE S


SUPPORTING SENIORS WITH CARE NEEDS (Source: www.aic.sg) Meals on Wheels Programme Scheme / Measure

Criteria

Benefit

Provide meals deliveries for homebound seniors with no caregiver support and unable to buy and cook for themselves. •

Eligible for Singapore Citizens and Permanent Residents

Requires a referral from a hospital or polyclinic that he/she visits, or visit an AlC Link near them

Means-tested for subsidy eligibility

Subsidy depending on means-test results AIC Hotline: 1800-650-6060

Contact / More Info

Or visit AlC Links, see locations here https://www.aic.sg/about-us/aic-link/ https://www.aic.sg/care-services/meals-on-wheels

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ME AL S ON W HE E L S P R OGR AMME


SUPPORTING SENIORS WITH CARE NEEDS (Source: www.aic.sg)

Scheme / Measure

Seniors’ Mobility and Enabling Fund For seniors living at home and require subsidies for assistive devices or home healthcare items Singapore Citizens aged 60 years old and above with a household monthly income per person of $2,000 or below. For households with no income, the Annual Value (AV) of residence on your NRIC must be $13,000 and below. Home Healthcare Items •

Recipient will need to undergo assessment (by home healthcare providers) to determine his/her needs and types of healthcare items required

Recipient must be receiving one of the following services: home nursing, home medical, home palliative services, Integrated Home and Day Care (IHDC) packages

No other sources of concurrent subsidy for similar home healthcare items

Criteria

Assistive Devices •

Device recipient will need to undergo assessment by a qualified assessor (e.g. fully registered therapist, registered nurse, doctor, etc) to determine the type of devices required

SMF subsidies are provided through the application only. Reimbursement for any purchase prior to an approved application is not allowed.

Application for each device category is only allowed once per lifetime

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S E N IOR S ’ MOBIL ITY AN D E N ABL IN G F UN D


For Motorised devices – additional criteria:

Criteria

Do not have a full–time caregiver, or the caregiver is frail and not able to support the care needs of recipient

Do not have the ability to use a manual wheelchair independently

You must be mentally and physically able to safely use the motorised device

Home Healthcare Items Eligible seniors can receive subsidies for the cost of catheters milk supplements, thickeners, adult diapers, etc. Assistive Devices Benefit

The fund subsidises the cost of devices that aid mobility and enable independent living. E.g walking aids, wheelchairs, shower chairs, geriatric chairs, hospital beds, pressure relief mattresses, spectacles, hearing aids etc. Eligible seniors can receive subsidies for the cost of the devices needed, depending on their means-test eligibility. The maximum subsidy cap is dependent on the type of device. MOH

Contact / More Info

https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/caregiver-grants-subsidies AIC https://www.aic.sg/financial-assistance/seniors-mobilityenabling-fund

S E N I ORS ’ MOB ILIT Y A N D EN A B L I N G F U N D

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING THE CAREGIVING OF SENIORS (Source: https://www.moh.gov.sg/caregiver-support) Scheme / Measure

Home Caregiving Grant

Care recipient must be a Singaporean or Permanent Resident (with a parent, child or spouse who is a Singaporean) and living in Singapore

Means-tested

For those needing help with at least 3 ADLs* and residing in the community (not in long-term care institution such as nursing home)

Available to care recipients with permanent moderate disability, regardless of age

Criteria

*Unable to perform at least three out of six ADL (eating, bathing, dressing, transferring, toileting and walking or moving around).

Benefit

$200 a month to defray caregiving expenses such as costs of home and community-based services, transportation to medical appointments and hiring a foreign domestic worker Replaces the existing Foreign Domestic Worker (FDW) Grant

Contact / More Info

https://www.aic.sg/financial-assistance/home-caregivinggrant AIC Hotline: 1800-650-6060

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HOME CAR E GIVIN G GR AN T


SUPPORTING THE CAREGIVING OF SENIORS (Source: https://www.moh.gov.sg/caregiver-support) Scheme / Measure

Levy Concession for Foreign Domestic Worker (FDW) Aged Person Scheme There are two categories under the aged person scheme, eligible when there is an elderly family member at least 67 years old. a) Aged person scheme (FDW employer or spouse) –

FDW must stay with employer

Elderly or spouse must be Singapore Citizen or Permanent Resident married to a Singapore Citizen

Criteria

b) Aged person scheme (parent or grandparent)

Benefit

When your parent, parent-in-law, grandparent or grandparent-in-law is at least 67 years old, is Singapore Citizen or Permanent Resident, and staying with you

The applicant or spouse must be a Singapore Citizen

Note: Each household gets concessions for up to two FDWs for two loved ones in one household at the same time. Please note that under Levy Concession for Foreign Domestic Worker (FDW), there are two other schemes that qualify for levy concession: •

Young child or grandchild scheme (below 16 years old)

Persons with disabilities scheme (certified to need permanent help with at least 1 ADL)

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L E V Y C O N C E S SION FOR F DW - AGE D P E R S ON S CHE ME


MOM www.mom.gov.sg MOH Contact / More Info

https://www.moh.gov.sg/cost-financing/healthcareschemes-subsidies/caregiver-grants-subsidies MOM https://www.mom.gov.sg/passes-and-permits/workpermit-for-foreign-domestic-worker/foreign-domesticworker-levy/levy-concession MOM: 6438 5122

LE V Y CONCESSIO N F O R F DW - A G E D P E R S O N S C H E ME

R E VIS E D IN DE CE MBE R 2 0 2 0


SUPPORTING THE CAREGIVING OF SENIORS (Source: https://www.moh.gov.sg/caregiver-support) Scheme / Measure

Criteria

Levy Concession for Persons with Disabilities

Care recipient is Singapore Citizen

Care recipient, FDW employer and FDW must reside in the same address

Care recipient must require permanent assistance in at least 1 of the ADLs

Note: Those eligible for levy concession under MOM’s levy concession for FDW (above) need not apply for this as they will be given automatic concession by MOM.

Benefit

Families can get a concessionary levy rate of $60 per month instead of $300 per month Apply online at AIC’s eService portal (eFASS) with SingPass https://www.aic.sg/eservices#efass

Contact / More Info

Or visit AlC Links, see locations here https://www.aic.sg/about-us/aic-link/ AIC Hotline: 1800-650-6060

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L E V Y C O N C E S S ION F OR P E R S ON S W ITH DIS ABIL ITIE S


SUPPORTING THE CAREGIVING OF SENIORS (Source: https://www.moh.gov.sg/caregiver-support) Scheme / Measure

Criteria

Caregivers Training Grant (CTG)

Care recipient must be Singapore Citizen or Permanent Resident and 65 years or older, OR assessed by doctor to have a disability

Caregiver must complete the training to qualify for the grant

The caregiver must be the person in charge of caring for the care recipient (includes family members and foreign domestic workers)

A $200 annual subsidy for caregivers to attend approved courses (choose a course from the e-calendar from AIC: https://www.aic.sg/caregiving/caregiver-training-course) Benefit

Contact / More Info

The $200 subsidy is provided for each care recipient every financial year (from April to March the following year). $200 can be shared amongst family members if multiple caregivers wish to undergo training.

https://www.aic.sg/financial-assistance/caregiverstraining-grant AIC Hotline: 1800-650-6060

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CAR E GIVE R S TR AIN IN G GR AN T


SUPPORTING THE CAREGIVING OF SENIORS (Source: https://www.moh.gov.sg/caregiver-support) Scheme / Measure

Benefit

Contact / More Info

Caregiver Respite Services Provides temporary relief to caregivers •

Caregivers can tap on senior care centres if they need short-term care option for their loved ones for a few hours. If they need a care option for their loved ones for several days or weeks, they may tap on nursing home respite care.

Go Respite Pilot – Pre-enrolment to shorten activation times for respite services when you need it

Night respite – Allows caregivers of persons with dementia with Sundowning behavior, the opportunity to take time off from night-time caregiving duties

Home-based respite for caregivers of end-of-life cancer patients – Allows caregivers interim support if they need a break from caregiving. Care recipients should be receiving home hospice care to access this service.

Or visit AlC Links, see locations here https://www.aic.sg/about-us/aic-link/ https://www.aic.sg/caregiving/getting-respite AIC Hotline: 1800-650-6060

REV ISED IN DEC EM BE R 2 0 2 0

CAR E GIVE R R E S P IT E S E R VICE S



END-OF-LIFE CARE IN SINGAPORE (Source: https://www.ncss.gov.sg ; https://www.healthhub.sg ; https://www.aic.sg) Palliative and Hospice Care

Scheme / Measure

Available in all government acute care hospitals, community hospitals, and also provided by a number of Voluntary Welfare Organisations. (VWOs). There are three options in end-of-life care: 1. Home Hospice Care 2. Hospice Day Care Centre 3. Inpatient Hospice Care

Criteria

•

Require referral from a hospital, polyclinic or General Practitioner that the elderly patient visits

•

A doctor must assess that the elderly person is suffering from an advanced and progressive disease

1.

Home Hospice Care Seniors with advanced and progressive diseases, such as cancer, may spend their days at home

2.

Hospice Day Care Centre Clients who need care in the day while their family members are at work or school can engage in activities and therapeutic programmes

3.

Inpatient Hospice Care Provides holistic medical, nursing and socio-emotional care to patients, and socio-emotional support to their families and caregivers

Benefit

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PAL L IATIVE AN D HOS P ICE CAR E


For general understanding of end-of-life care: https://www.healthhub.sg/live-healthy/272/end_of_life_ care For (1) hospice home care: https://www.healthhub.sg/a-z/medical-and-carefacilities/20/hospice_home_care_aic Contact / More Info

For (2) hospice day care centre: https://www.healthhub.sg/a-z/medical-and-carefacilities/7/hospice_day_care_centre For (3) inpatient hospice care: https://www.healthhub.sg/live-healthy/125/ inpatienthospicecareaic AIC hotline: 1800-650-6060

PALLIATIVE AND HO SPIC E C A RE

R E VIS E D IN DE CE MBE R 2 0 2 0



ADVANCE CARE PLANNING (Source: https://singaporehospice.org.sg ; https://www.msf.gov.sg ; www.aic.sg) Advance Care Planning (ACP) Scheme / Measure

ACP is a process of exploring, discussing and sharing your future wishes for care with your loved ones and your healthcare providers. It can be carried out regardless of age or health condition. ACP can take place whenever you wish to share your future healthcare preferences with your loved ones. Document your preferences using the ACP workbook.

Criteria

For patients with more complex health conditions, they may benefit from having a trained healthcare worker facilitate their ACP discussions. ACP facilitators are found in community hospitals, polyclinics and public hospitals. Appointments must be made in advance. Some touchpoints may charge for facilitation.

Benefit

Advance Care Planning (ACP) enables you to plan for your future health and personal care.

Refer to the websites below: https://www.aic.sg/care-services/advance-care-planning https://singaporehospice.org.sg/advance-care-planning/ Contact / More Info

ACP directory: https://www.aic.sg/care-services/acp-directory/ To download an ACP workbook: https://www.aic.sg/resources/Documents/Brochures/ Mental%20Health/My%20Care%20Wishes%20Workbook.pdf For a better understanding of ACP: AIC Hotline: 1800-650-6060

REV ISED IN DEC EM BE R 2 0 2 0

ADVAN CE CAR E P L AN N IN G


ADVANCE CARE PLANNING (Source: https://singaporehospice.org.sg ; https://www.msf.gov.sg) Lasting Power of Attorney Scheme / Measure

Criteria

Benefit

Contact / More Info

Enables you to make a personal, considered choice of a trusted proxy decision maker, who is reliable and competent to act in your best interests should you become vulnerable one day. •

You must be at least 21 years old

You must have the mental capacity to make the LPA

You must not be an undischarged bankrupt if you wish to make an LPA for property & affairs matters

The LPA appoints donees to make decisions - both financial and personal - for patients who lose their mental capacity. To encourage more Singaporeans to initiate this process, the Office of the Public Guardian has waived the application fee of $75 until 31 August 2020. Office of the Public Guardian https://www.msf.gov.sg/opg/Pages/Home.aspx Email: enquiry@publicguardian.gov.sg Hotline: 1800-226-6222

REV ISED IN DEC EM BE R 2 0 2 0

L AS TIN G P OW E R OF AT TOR N E Y


ADVANCE CARE PLANNING (Source: https://singaporehospice.org.sg ; https://www.msf.gov.sg)

Advance Medical Directive (AMD) Scheme / Measure

AMD is a legal document that you sign in advance to inform the doctor treating you (in the event you become terminally ill and unconscious) that you do not want any extraordinary life-sustaining treatment to be used to prolong your life.

Criteria

To make an AMD, you will have to consult a doctor who, as a witness, is required to explain the AMD to you. You may have to pay the doctor for the services rendered. However, the AMD form itself is free.

Benefit

Allow you to express your decision legally in advance when faced with a terminally ill and unconscious situation.

Contact / More Info

https://www.moh.gov.sg/policies-and-legislation/ advance-medical-directive

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ADVAN CE ME DICAL DIR E CTIVE


COMMUNITY HEALTH ASSIST SCHEME


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MEDISHIELD LIFE PREMIUM SCHEDULE


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MEDISHIELD LIFE PREMIUM SCHEDULE


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MEDISHIELD LIFE PREMIUM SCHEDULE


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MEDISHIELD LIFE PREMIUM SCHEDULE


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ME DIS HIE L D L IF E P R E MIUM S CHE DUL E


GENERAL REFERENCES: •

Overview of all Healthcare Schemes and Subsidies: https://www.moh.gov.sg/cost-financing/healthcare-schemes-subsidies

List of Government schemes for seniors: http://www.silverschemes.sg/

Agency for Integrated Care (formally Singapore Silver Pages): https://www.aic.sg/

“Caring for Seniors” in Ask Kopi Kakis, a handbook by People’s Association: https://www.pa.gov.sg/engage/connect-with-government/ask-kopi-kakis

A complete list of registered Voluntary Welfare Organisations (VWOs), welfare organisations and social workers from medical institutions and social services offices, Pass It On: https://www.passiton.org.sg/vwo-list

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GE N E R AL R E F E R E N CE S