CareShield Life

From 1 October 2020, all Singapore Citizens or PRs, born in 1980 or later, will be automatically covered under CareShield Life from 1 October 2020, or when they turn 30, whichever is later. From 6 November 2021, all Singapore Citizens or PRs born in 1979 or earlier can choose to join CareShield Life, if they are not severely disabled. 

To make joining more convenient, Singapore Citizens or PRs born between 1970 and 1979 (both inclusive) who are insured under ElderShield 400 scheme, and are not severely disabled, will be auto-enrolled onto CareShield Life from December 2021. 

Find out more on the CareShield Life website.

He/ she will need to see an MOH-accredited severe disability assessor who will determine their disability level.

If he/ she is found to have mild or moderate disability instead, there are other financial assistance schemes that you can turn to for help, like the Home Caregiving Grant or MDW Levy Concession. Please find out more about the other financial assistance schemes here.

For CareShield Life claims, the assessment fee for the first disability assessment will be waived. It does not matter whether your loved one is assessed to be severely disabled, or whether the claim is successful.

If this is not your loved one’s first time being assessed for CareShield Life claims, the assessor will collect an assessment fee from you. The cost of the assessment ranges from $100 (if you visit the assessor’s clinic) to $250 (if the assessor does a home visit). 

You will need to pay the assessment fee first to the assessor. The amount will be reimbursed if your loved one is assessed to be severely disabled. 

The assessment must be done by a MOH-accredited severe disability assessor. 

You need to be assessed by an MOH-accredited severe disability assessor. 

Please check if your doctor or therapist is on the approved list of assessors. If they are not, please make an appointment with another assessor from the list.

You can apply on behalf of your loved one as long as:

• You are the appointed Donee (appointed under the Lasting Power of Attorney) or Deputy (appointed under the Mental Capacity Act) authorised to make decisions on his/ her property and affairs.
• If your loved one does not have a Donee or Deputy, you can apply on his/ her behalf if you are an immediate family member (parent, spouse or child. Otherwise, you can only apply on his/ her behalf if the immediate family members are unable to do this (eg deceased, lack mental capacity or other issues).  For successful applications without a donee/deputy, the caregiver or another family member has 12 months to obtain a court order appointing him/her as a deputy, failing which the payouts will be suspended. Do visit the Singapore Courts website to find out how to apply for a deputyship.
• You may need the following documents:

  • Recent medical report stating that he/ she lacks mental capacity
    OR
    Doctor’s certification that he/ she lacks mental capacity

    • If the care recipient is also going for a disability assessment, you must ask if the doctor can do a mental capacity assessment (using this form) at the same time.
    • The doctor’s certification is valid for six months, unless stated as permanent.

    OR
    Court order of deputy appointment

• Copy of bank book or statement if the bank account nominated to receive the grant belongs to a deputy or trustee.

No, as such conditions affect people’s ability to carry out the six activities of daily living at different levels. 

In order to qualify for a CareShield Life claim, your loved one still needs to undergo a disability assessment by an MOH-accredited severe disability assessor. The assessor will consider the impact of your loved one’s cognitive challenges as part of the assessment.

Your potential payouts start at $600 per month in 2020 and increase annually until aged 67, or when a successful claim is made, whichever is earlier.

This means that if you are aged 66 or younger, your fixed monthly payout is based on the calendar year from which you were eligible for payouts, and not the calendar year of your claims application. For example, an individual who had met the eligibility criteria in 2020 but only submitted their claim in 2021 would have their fixed monthly payout quantum set at the payout amount for 2020 (not 2021).

Find out more on the CareShield Life website.

To change scheme details

Log in with Singpass on eFASS. Go to “Manage My Schemes” > “Change in Scheme Details.”

If you are updating the details for someone who lacks mental capacity for the first time, please read here.

To change the payee to a nursing home that the care recipient is living at
 

If you are using CareShield Life to offset the cost of the nursing home fees, you can ask for the payout to be made directly to the nursing home. 

For this change in payee, please approach the nursing home your loved one is residing at to help you submit the “Change in Application Details” Form to AIC.

Do keep a copy of the application documents for your own reference.

To stop receiving payouts

Log in with Singpass on eFASS. Go to “Manage My Schemes” > “Change in Scheme Details.”

If you are unable to do any of the above online, email apply@aic.sg to obtain a copy of the application form or visit any AIC Link. We seek your understanding that hardcopy applications will require a longer approval waiting time.

AIC needs the NRIC issue date for verification. You can find it on the back of your NRIC card.

Visit SG Enable’s Enabling Guide, an online resource for persons with disabilities and their caregivers, as well as professionals looking for disability support.