1. What is ElderShield?
ElderShield was first launched by the Ministry of Health in September 2002 as a severe disability insurance scheme which provides basic financial protection to those who need long-term care especially in their old age. It provides a monthly cash payout for up to 72 months to help pay out-of-pocket expenses for the care of severely disabled persons.
ElderShield was offered to eligible Singapore Citizens and Permanent Residents (PRs) who had a MediSave Account when they turned 40 years old in 2019 or earlier.
2. How can I check if I am covered by ElderShield?
You can check for your ElderShield or Supplement coverage through the CPF Board’s website. The steps are as follows:
a. Visit the CPF website.
b. Log in to my cpf Digital Services using your Singpass.
c. Hover over "my cpf" and click on "Healthcare" under "My dashboards". d. Click on "My Messages" on the alert card.
If you are covered under ElderShieldSupplement plan/s, this section will let you know which Supplement insurer you are covered under (i.e. Singlife with Aviva, Great Eastern, or NTUC Income). *
*If you are not covered under ElderShield, the CPF website will not reflect any information on ElderShield.
You can also check your ElderShield plan type through the CareShield Life website. The steps are as follows:
3. How do I find out which ElderShield plan I am covered under?
4. How do I join ElderShield?
The ElderShield scheme is no longer open for new applications.
If you are born in 1979 or earlier and not severely disabled, you may choose to join CareShield Life. via the Application to join CareShield Life e-Service and log in using Singpass to complete the application.
If you are born in 1980 or later, you will be automatically covered under CareShield Life.
5. How long will I be covered under ElderShield?
ElderShield provides lifetime coverage to its insureds. Once an ElderShield insured starts paying premiums, he will be covered under ElderShield. An insured will be covered under ElderShield for the rest of his life when he finishes paying all the premiums under the Regular Premium Plan (i.e. at age 65) or a lump sum premium under the Single Premium Plan. For example, he can still submit a claim if he becomes disabled at age 85, so long as his total claims have not exceeded 60 months (for ElderShield 300) or 72 months (for ElderShield 400).
6. How do I terminate my ElderShield policy?
You can terminate your ElderShield via the Termination of ElderShield e-Service if you do not wish to continue to be covered under the scheme. However, you will lose all existing benefits, and you may have to go for a medical assessment if you wish to join CareShield Life. We therefore encourage you to consider keeping your ElderShield policy to ensure you continue to have basic protection for long-term care.
7. Can I upgrade from ElderShield 300 to ElderShield 400 now?
ElderShield 300 insureds were given a one-time option to upgrade to ElderShield 400 in 2007. Upgrades from ElderShield 300 to ElderShield 400 are no longer accepted.
8. Can I downgrade from ElderShield 400 to ElderShield 300 now?
You cannot downgrade from ElderShield 400 to ElderShield 300.
9. What are the likely causes of severe disability?
Severe disability could have many causes. Examples include:
• A sudden event such as stroke or spinal cord injuries
• Progression of illnesses such as Parkinson’s Disease, Alzheimer’s Disease and other causes of dementia
• Worsening of chronic conditions or diseases such as diabetes, and multiple sclerosis
10. What are the benefits of the ElderShield scheme?
ElderShield is a long-term care insurance scheme targeted at severe disability, especially in old age. ElderShield provides monthly payouts of $300 or $400 per month, for up to 72 months. Your plan’s benefits depend on when you joined ElderShield.
Table 1: Payouts for ElderShield
If you joined ElderShield from September 2007 (inclusive)
If you joined ElderShield between September 2002 and August 2007
Up to 72 months (six years)
Up to 60 months (five years)
If you are also covered under ElderShield Supplements, you will receive additional benefits.
11. Will my ElderShield be terminated if I am no longer a Singapore Permanent Resident (SPR)?
You are still covered under ElderShield if you have renounced your Singapore Citizenship/Permanent Residency after the commencement of your ElderShield.
12. What is the difference between CareShield Life, ElderShield, MediShield Life, CPF LIFE, ElderFund, Community Health Assist Scheme (CHAS), Home Caregiving Grant (HCG), Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Interim Disability Assistance Programme for the Elderly (IDAPE)?
CareShield Life, ElderShield, MediShield Life, CPF LIFE, CHAS, HCG, PioneerDAS, ElderFund and IDAPE are schemes that help Singaporeans with different types of healthcare and retirement expenses.
CareShield Life and ElderShield are long-term care insurance schemes that will provide Singapore Citizens and Permanent Residents with some financial protection should one become severely disabled (i.e. unable to perform at least three or more of the six Activities of Daily Living), especially in old age.
For CareShield Life, Singapore Citizens or Permanent Residents born in 1980 or later will be automatically covered under CareShield Life on 1 October 2020, or when they turn 30, whichever is later. Singapore Citizens or Permanent Residents born in 1979 or earlier can choose to join CareShield Life from if they are not severely disabled. CareShield Life insureds can receive monthly payouts for as long as they remain severely disabled. Payouts start at $600 per month in 2020 and increase annually until age 67 or when a successful claim is made, whichever is earlier.
For ElderShield, eligible Singapore Citizens and Permanent Residents who had a MediSave Account when they turned 40 years old in 2019 or earlier were automatically covered under ElderShield. Depending on the plan you have, if you are severely disabled, ElderShield provides monthly cash payouts of $300 per month for up to 60 months (under ESH300 plan), or $400 per month for up to 72 months (under ESH400 plan).
MediShield Life is a basic healthcare insurance plan that protects all Singapore Citizens and Permanent Residents against large medical bills for life.
CPF LIFE is the national longevity insurance annuity scheme, which insures Singapore Citizens and Permanent Residents against the risk of outliving their retirement savings. Under CPF LIFE, members will receive a monthly payout from their payout eligibility age, for as long as they live.
Community Health Assist Scheme (CHAS) enables all Singapore Citizens, including Pioneer Generation (PG) and Merdeka Generation (MG) cardholders, to receive subsidies for medical and/or dental care at participating General Practitioner (GP) and dental clinics. CHAS was implemented to allow CHAS cardholders to enjoy more subsidies at Specialist Outpatient Clinics (SOCs) in public hospitals when referred by CHAS-partnered clinics or polyclinics.
Home Caregiving Grant (HCG) is a monthly cash grant of $200 to support families caring for loved ones with permanent moderate disability (i.e. always require some assistance with at least three Activities of Daily Living (ADLs)) who reside in the community. The HCG can be used to defray caregiving expenses, such as the cost of eldercare and services in the community or hiring of a foreign domestic worker.
Pioneer Generation Disability Assistance Scheme (PioneerDAS) offers life-long monthly cash assistance of $100 to Pioneers with permanent moderate disability (i.e. always require some assistance with at least three ADLs). Applicants must be a Pioneer to be eligible.
Interim Disability Assistance Programme for the Elderly (IDAPE) offers a monthly cash assistance of up to $250 to needy elderly Singapore Citizens living in Singapore who are needy, severely disabled and unable to join ElderShield when it was launched in 2002 either because they had exceeded the maximum entry age or had pre-existing disabilities.
ElderFund is a discretionary government assistance scheme providing monthly cash assistance of up to $250 to severely disabled, lower-income Singapore Citizens, aged 30 and above, who are not able to benefit from CareShield Life, ElderShield and Interim Disability Assistance Programme for the Elderly (IDAPE), and have low MediSave balances and inadequate personal savings to meet their long-term care needs.
2. How do I pay my ElderShield premiums?
You can use your MediSave to pay for your ElderShield premiums in full. If you do not have enough MediSave savings, you may also use the MediSave savings of your spouse, parents, children, siblings, and grandchildren to pay for the premiums.
3. What happens when there are insufficient funds in my MediSave to pay for my ElderShield premium?
You may top up your MediSave using cash via CPF e-Cashier with your Singpass (select “Contribute to My MediSave”).
Alternatively, a family member* can apply to take over as your premium payer using his/her MediSave. To do so, he/she may visit the Change Premium Payer e-Service and log in using his/her own Singpass to complete the “Change Premium Payer” transaction
*Family member refers to the Insured's spouse, parents, children, siblings, or grandchildren.
4. Can I help my family members pay for their ElderShield premiums?
You can pay the ElderShield premiums for your family members (i.e. spouse, parents, children, siblings or grandparents) using your MediSave.
To do so, you can visit the Change Premium Payer e-Service and log in using Singpass to complete the application.
5. I am paying ElderShield premiums for myself and my dependants. How do I check the transaction details?
You may view the deduction and refund transactions for ElderShield policies via the payer’s Transaction History at cpf.gov.sg (Singpass login is required).
6. Can I use my CPF MediSave to pay for the ElderShield premiums for my family members?
You can use your MediSave to pay for your own or your family members’ (spouse, parents, children, siblings, and grandparents) premiums for basic ElderShield and ElderShield Supplements. For ElderShield Supplements, usage of MediSave is capped at a limit of $600 per year.
7. Do I still need to pay premiums if I am eligible for ElderShield benefit claim payout?
If you qualify for ElderShield benefit claim payout, you do not need to pay premiums if there is no change in your disability status.
8. ElderShield premiums are only paid until age 65. Why is my insurer asking me for premiums after I turned 65 last year?
The ElderShield scheme collects premiums based on the insured’s age as at their last birthday. Premiums are deducted annually on your policy renewal date, with the last deduction scheduled for the policy renewal date after your 65th birthday.
For example, the annual premium payable for a 40-year-old male (date of birth: 30 June 1978) who chooses to join ElderShield 400 on 30 April 2019 is $175 as he would still be age 40. The annual premium payable would have to be paid until age 65, i.e. 26 premium payments from age 40 to 65, including the policy renewal date where the insured is 65 i.e. 30 April 2044.
9. What happens if I do not pay premiums I owe for ElderShield?
You may still be able to receive some payouts when you become severely disabled if you have paid the minimum amount of premiums needed for it to be converted to a paid-up policy. The level of payouts you can receive will depend on the amount of premiums paid. For more details on your payouts, please log in to My Policy e-Service using your Singpass.
1. Who is eligible for CareShield Life/ElderShield claims?
If you are covered by CareShield Life/ElderShield, you will be eligible for claims if you are as assessed to be severely disabled. This means that you must be unable to perform at least three out of the six Activities of Daily Living (ADLs). The six ADLs are:
• Washing – the ability to wash in the bath or shower (including getting into and out of the bath or shower) or do a sponge/bed bath.
• Dressing – the ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.
• Feeding – the ability to feed oneself food after it has been prepared and made available.
• Toileting – the ability to use the toilet or manage bowel and bladder function through the use of protective undergarments such as diapers or surgical appliances if appropriate.
• Mobility – the ability to move indoors from room to room on level surfaces.
• Transferring – the ability to move from a bed to an upright chair or wheelchair, and vice versa.
3. I am receiving support from Pioneer Generation Disability Assistance Scheme or Foreign Domestic Worker Grant. Why can’t I qualify for ElderShield claims?
The ElderShield claims criterion is stricter as ElderShield is intended for severe disability, whereas the other schemes such as Pioneer Generation Disability Assistance Scheme and Foreign Domestic Worker Grant are meant for moderate disability. This means that individuals should demonstrate that they require significantly more assistance before qualifying for ElderShield payouts.
Nonetheless, the Government recognises that it is possible to establish some equivalence across select disability assessment tools, and is currently studying how this can be done without compromising the robustness of the ElderShield claims assessment process.
4. Why am I unable to undergo a severe disability assessment for CareShield Life/ElderShield/MediSave Care at a hospital?
While you are undergoing treatment in the hospital, your disability status may change, and this may impact your long-term care scheme application. As such, we do not recommend patients to attend the severe disability assessment while hospitalised.
Our focus is to accredit healthcare professionals in the community, including the GPs, and clinicians in the long-term care sector to assess individuals’ level of disability when their condition has stabilised.
5. Are there any alternative documents that I can submit for CareShield Life/ElderShield/MediSave Care claims instead of a severe disability assessment?
The Government is looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctors, occupational therapists, physiotherapists, and registered nurses) providing care to the patient. In such cases, the patient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident’s Assessment Form in place of the severe disability assessment.
MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via the MOH and AIC website.
6. I cannot afford to pay the ElderShield assessment fee, is there any financial assistance?
If you are receiving assistance under ComCare/Public Assistance/MediFund/ MFAC/MFEC and/or CHAS Blue:
You can contact any of the MOH- accredited severe disability assessors and inform him/her that you are unable to pay for the upfront assessment fee. Please explain to the assessor which scheme you are receiving assistance under and check if the assessor can waive the assessment fee for you on these grounds before proceeding to make an appointment with the assessor. If the assessor is unable to waive the fees, please contact AIC for further assistance.
If you are staying in a Nursing Home:
You can approach your nursing home to help submit a Resident Assessment Form (RAF) in place of a severe disability assessment.
The RAF is conducted regularly by nursing homes as part of patient care, and there is no additional charge.
7. Can the pool of assessors for CareShield Life/ElderShield be expanded to include any Singapore-registered doctor, therapist or nurse?
Severely disabled CareShield Life/ElderShield insureds who wish to apply for claims will need to undergo a severe disability assessment by a MOH-accredited severe disability assessor.
A trained, accredited severe disability assessor will be able to assess whether the applicant meets the CareShield Life/ElderShield criteria of being unable to perform three or more of the six Activities of Daily Living (ADLs). We have expanded the list of accredited assessors to include therapists and nurses who have been trained.
All MOH-accredited assessors have undergone a rigorous training programme to learn how to assess a patient’s level of disability. Through the training, assessors are equipped to assess an individual’s ability to perform the six ADLs, including specific components of each ADL to take into account, what factors to consider when an individual is cognitively impaired, and what should be done if any individual’s functional ability fluctuates over time. As this is a complex process, the training and accreditation is necessary to ensure that disability assessments are conducted with a high degree of rigour and consistency.
The Government is also looking into recognising equivalent assessments that have been performed by a qualified healthcare professional (doctor, occupational therapists, physiotherapists, and registered nurses) providing care to the patient. In such cases, the patient need not undergo a separate severe disability assessment. Today, those who are staying in a nursing home can already approach their nursing home for assistance to submit the Resident's Assessment Form in place of the severe disability assessment.
MOH and AIC will progressively roll out the use of such equivalent assessments and will make the information available via MOH and AIC website.
8. How do I update my bank account details for my CareShield Life/ElderShield payouts?
You can log in to AIC’s eService portal with your Singpass on to change your bank account for CareShield Life/ElderShield claim payouts, accessible via https://efinance.aic.sg.
If you are changing the nominated bank account on behalf of a care recipient who lacks mental capacity, you will need to submit a Mental Incapacity Certification if you have not done so before. Please refer to Additional Guidance on AIC’s website for more information.
9. If I am residing overseas, can I make a claim under ElderShield?
For Singaporeans living overseas
To submit ElderShield claims application, you can use your Singpass to log in to AIC’s online application portal, accessible via https://efinance.aic.sg.
If you are a caregiver who is making a claim application on behalf of a mentally incapacitated ElderShield insured, you can log in using your Singpass to submit the applications on his/her behalf.
For those who has renounced his/her Singapore citizenship
To submit claims application, please email AIC at email@example.com to request for a hardcopy application form.
1. Why are there messages regarding ElderShield in "my cpf Online Digital Services" (My Messages) but no transactions displayed?
There are several possible reasons for having no ElderShield transactions, even though you are covered by ElderShield. Five common reasons are:
(i) Your premiums are being paid by cash instead of MediSave;
(ii) You are not the payer of your ElderShield cover;
(iii) You may have completed the premium instalments for your ElderShield policy (i.e. fully paid-up);
(iv) You had converted your policy to a partially paid-up policy with reduced benefits.
(v) You have recently turned 40, and premium deduction may not have taken place yet.
2. The ElderShield information reflected in my "my cpf Online Digital Services" is not correct, what is the reason and what do I need to do?
Please note that the dependants' coverage details will only be reflected if you have used your MediSave to pay for their premiums. It will not be reflected if their ElderShield premiums are fully paid by cash.
You could also provide the following details to us through Write to Us and we will follow up with you directly.
a. Name and Contact Number
b. Email (if any)
c. NRIC number
1. How will Government administration of ElderShield benefit ElderShield insureds?
The transfer of administration allows the Government to administer the ElderShield scheme on a not-for-profit basis, and to use any excess of premiums over claims for insureds’ benefit. The Government, as a single administrator, can achieve better consistency in the implementation of underwriting and claims processes across ElderShield insureds.
It also allows ElderShield insureds to upgrade to CareShield Life more smoothly.
2. Will ElderShield Supplements remain with the insurers?
The three private insurers (Singlife with Aviva, Great Eastern Life & NTUC Income) will continue to administer ElderShield Supplements. The Government will administer CareShield Life and ElderShield, which provide basic protection against long-term care costs, while leaving the private insurers to innovate in the provision of CareShield Life/ElderShield Supplements which provide additional protection.
3. I am an existing ElderShield claimant. How will Government administration of ElderShield affect my payouts?
You will continue to receive your ElderShield payouts as long as you have not completed the 60 months (for ElderShield 300) or 72 months (for ElderShield 400) payout duration and remain severely disabled.
4. Can I choose to remain with my existing insurer for ElderShield?
The Government will take over the administration of ElderShield from insurers 1 November 2021. Insurers will not be administering ElderShield from then on.
However, ElderShield Supplements will continue to be administered by the existing ElderShield insurers and will not be transferred to the Government.
5. Which agencies will administer ElderShield?
ElderShield will be jointly administered by the Central Provident Fund Board (CPFB) and Agency for Integrated Care (AIC).
6. I am covered under ElderShield300/400. What do I need to do now?
If you are covered under ElderShield 300/400, no action is required from you now. You will continue to be covered under ElderShield 300/400. You may visit the My Policy e-Service and log in with your Singpass for more information on your policy details.
7. Will my ElderShield premiums change due to Government administration?
You will continue to pay the same premiums and enjoy the same benefits under ElderShield for as long as you are covered even after the Government takes over the administration. In the event that the actual claims experience turns out better than expected, there will continue to be premium rebates for ElderShield insureds.
8. When will the Government take over the administration of ElderShield?
The Government has taken over the administration of ElderShield from 1 November 2021.
9. Why am I not able to receive claims disbursements via cheque under Government administration?
As part of the Government’s efforts to go paperless and safeguard the payments process, the Government encourages you to nominate a bank account for interbank GIRO payments.
To nominate a bank account, please log in to Agency for Integrated Care (AIC) eServices for Financing Schemes (eFASS) portal at https://efinance.aic.sg using your Singpass.
10. I am an ElderShield claimant who is recently approved on MediSave Care. Why am I asked to go for disability review when my application has just been approved?
Periodic reviews are carried out to check on some individuals’ severe disability status to ascertain their continued eligibility for payouts. As such, if there is a need for you to attend a severe disability review, Agency for Integrated Care (AIC) will inform you.
Please note that disability review assessment fees are waived. Please bring along your disability review letter and show it to the MOH-accredited severe disability assessors.