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
R E VIS E D IN DE CE MBE R 2 0 2 0
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
R E VIS E D IN DE CE MBE R 2 0 2 0
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
R E VIS E D IN DE CE MBE R 2 0 2 0
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
R E VIS E D IN DE CE MBE R 2 0 2 0
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
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) 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
REV ISED IN DEC EM BE R 2 0 2 0
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
REV ISED IN DEC EM BE R 2 0 2 0
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
REV ISED IN DEC EM BE R 2 0 2 0
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
REV ISED IN DEC EM BE R 2 0 2 0
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
REV ISED IN DEC EM BE R 2 0 2 0
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
REV ISED IN DEC EM BE R 2 0 2 0
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