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When are you eligible to make a claim?

You can make a claim if you are assessed by a MOH-accredited severe disability assessor to be unable to perform at least three out of the six Activities of Daily Living (ADLs).


The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.


The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.


The ability to feed oneself food after it has been prepared and made available.


The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.

Walking or Moving Around

The ability to move indoors from room to room on level surfaces.


The ability to move from a bed to an upright chair or wheelchair, and vice versa.

How do you make an ElderShield claim?

The Government will be taking over the administration of ElderShield from the insurers on 1 November 2021. From now to 31 October 2021, you may continue to approach your private insurer (Singlife, Great Eastern, or Income) for ElderShield claims.

From 1 November 2021, to make a claim, you should arrange for an assessment with a MOH-accredited severe disability assessor and submit a claim application to the Agency for Integrated Care (AIC). Please visit to for more information on how to make a claim.

Are there any fees involved?

The disability assessment fee is $100 for a clinic assessment and $250 for a housecall, both of which are payable to the assessor at the time of assessment. The full fee will be reimbursed if you are assessed to have developed severe disability, and will be reimbursed with the first payout. Please visit for more information on how to make a claim.