Nearly 50% of potential caregivers mentioned that they need financial assistance or proper training to care for an elderly family member. This handy guide on eldercare grants and subsidies in Singapore may help you defray the high costs associated with caregiving and decide on the subsidy or scheme that best suits your needs. 

The Department of Statistics Singapore has reported that the proportion of residents aged 65 years and over has increased from 8.7% in 2008 to 13.7% in 2018. As our population ages and the life expectancy of Singaporeans increase, there will be a rise in informal caregiving.

As the Republic faces a silver tsunami, increased importance has been placed on eldercare in Singapore. In a bid to make healthcare more accessible and affordable, various schemes have been implemented by the government to cushion the impact of caregiving.

Nearly half of potential caregivers mentioned that they need help or training to properly care for an elderly family member. Here’s a handy guide for eldercare grants and subsidies in Singapore that will help you defray the high costs associated with caregiving and decide on the subsidy or scheme that best suits your needs.

 

Home Caregiving Grant (HCG)

Caregivers have shared that the cost of caregiving is amongst the uppermost issues in their minds. The Home Caregiving Grant (HCG) will replace the Foreign Domestic Worker (FDW) Grant by the end of 2019, as part of the new Caregiver Support Action Plan to lighten the financial load of caregiving. This will increase the flexibility of usage for those who may not need or want to employ a FDW.

Care recipients who qualify can nominate their caregiver for the Home Caregiving Grant. It will complement other schemes like ElderShield and CareShield Life. Compared to Eldershield and CareShield Life, Home Caregiving Grant will be available at an earlier and less severe stage of disability when care recipients are still able to perform these Activities of Daily Living (ADL) albeit with some assistance.

To be eligible for the Home Caregiving Grant:

  • Care recipient is a Singapore Citizen or Permanent Resident
  • Should the Care recipient be a Permanent Resident, he has to be aged 65 and above, and the FDW employer must be a Singaporean
  • Care recipient must be living together with the FDW employer at the same NRIC-registered address
  • Household monthly income per person must be ≤ $2,600.
  • If you do not have any household income, Annual Value of property must be < $13,000​​
  • FDW must attend AIC-approved FDW Grant caregiver’s trainings
  • Care Recipient, including those with cognitive impairments, are unable to perform 3 out of 6 ADLs* independently

*ADL: Activities of Daily Living (ADLs) – eating, bathing, dressing, transferring, toileting, walking/moving around ​

Learn more about the Home Caregiving Grant (HCG) here.

Caregivers Training Grant

Available support is beyond mere financial means. As caregivers, we often stress about how to ensure that our loved ones receive the care that is best for them. Better equip yourself with Caregiving skills that will aid in providing holistic care to your loved ones with the Caregivers Training Grant. With a plethora of courses available, you are sure to be on your way to creating a safe and supportive environment for those under your care. These courses include managing day-to-day care, caring for loved ones with dementia, clinical skills such as tube-feeding and stoma care, as well as communication and self-care skills.

To be eligible for the Caregivers Training Grant:

  • Care recipient must be a Singaporean Citizen (SC) or Permanent Resident (PR)
  • Care recipient must be aged at least 65 years old, OR be certified to have a disability by a doctor
  • Caregiver must be the main caregiver (immediate family member/FDW) looking after the care recipient
  • Caregiver must complete any of the CTG-approved training courses and receive a certificate of attendance if there is one

Understand how Caregivers Training Grant works here.

 

Foreign Domestic Levy Concession

Should you require the additional help of a Foreign Domestic Worker, the Foreign Domestic Levy Concession is part of the package to support Singaporeans needing care.

To be eligible, these criteria have to be met:

  • Care recipient must be a Singapore Citizen
  • Care recipient must be at least 67 years old
  • FDW employer must be a Singapore Citizen;
  • Care recipient must be living together with the FDW employer at the same NRIC-registered address
  • Care recipient must require permanent assistance in at least 1 of the ADLs*

*ADL: Activities of Daily Living (ADLs) – eating, bathing, dressing, transferring, toileting, walking/moving around 

Apply here to leverage on this levy today

Community Health Assist Scheme (CHAS)

With the rising cost of healthcare services, the Community Health Assist Scheme (CHAS) will lighten the burden with subsidies for participating medical and dental clinics.

CHAS is available to those who are:

  • Singapore Citizens from lower-to-middle income households, as well as all Pioneers
  • Pioneers are living Singapore Citizens who meet two criteria:
    1. Aged 16 and above in 1965 (i.e. born on or before 31 December 1949​; aged 65 and above in 2014)
    2. Obtained citizenship on or before 31 December 1986

Understand how the scheme works here and better manage your finances.

Apart from direct assistance for family caregivers, there are also available support for those receiving care. View our guide here.

At Homage, we believe that no one walks alone. Should you or someone you know need respite from caregiving, we are here to help. Reach out to our Care Advisors today at 6100 0055 and let us shoulder your caregiving responsibility with our professional help.
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