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  • 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: 

    a. Visit the CareShield Life website.
    b. Log in to My Policy e-Service using your Singpass.

    3. How do I find out which ElderShield plan I am covered under?

    You can check your ElderShield plan type through the CareShield Life website. The steps are as follows: 

    a. Visit the CareShield Life website.
    b. Log in to My Policy e-Service using your Singpass.

    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

     

    ElderShield 400

    ElderShield 300

    Payout Amount

    $400/month

    $300/month

    Payout Duration

    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.

  • 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.

    2. How do we/I apply to claim for ElderShield?

    If you are covered under ElderShield and wish to claim from ElderShield, you can log in to the Agency for Integrated Care (AIC)’s application portal (https://efinance.aic.sg) with your Singpass.

    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 apply@aic.sg to request for a hardcopy application form.