ElderShield
Find out more about ElderShield below.
What is ElderShield?
ElderShield is a long-term care insurance scheme that has been created for those with severe disabilities, especially during their older years.
It provides payouts of $400/month for up to 6 years and the benefits you are applicable for will depend on the scheme you’ve joined.
Severe disability may be a result of a disabling event (e.g. stroke or spinal cord injury), worsening of chronic illnesses (e.g. cancer), or the deterioration of age-related illnesses (e.g. dementia).
Please note that the ElderShield scheme is no longer open to new applicants.
Benefits
1. Lifetime coverage
You will be covered for life and can make a claim at any age, even after completing your premium payments at age 65.
2. Monthly cash payouts
You will receive monthly cash payouts for up to 5 or 6 years if you become severely disabled. These payouts will allow you to choose your desired care arrangements.
| If you joined ElderShield on or after 30 September 2007 (ElderShield400) | If you joined ElderShield between 30 September 2002 and 29 September 2007 (ElderShield300) | |
|---|---|---|
| Payout Amount | $400/month | $300/month |
| Payout Duration | Up to 72 months (six years) | Up to 60 months (five years) |
3. Worldwide coverage
No matter where you are residing, you will remain covered and can continue to make claims and receive your payouts.
Eligibility
You are eligible to make a claim for ElderShield if:
- You are an ElderShield Policyholder
- You are assessed by a MOH-accredited assessor to be unable to perform three or more of the six following Activities of Daily Living:
- Washing
- Dressing
- Feeding
- Toileting
- Mobility
- Transferring
How to use your ElderShield payouts
Homage offers a wide range of caregiving solutions, including elderly care, post-surgery care, respite care, end-of-life care, and night care, such that your loved ones can get the care they need in the comfort of their homes.
You may use your ElderShield payouts to book professional home care services from Homage. Here’s a list of home care services offered by Homage that you may consider:
Home Personal Care
Trained local caregivers can assist you and your loved one’s activities of daily living (ADLs) for safe and independent living at home.
Home Nursing
Licensed local nurses can assist with your loved ones’ nursing procedures such as tube, stoma and wound care in the comfort of home.
Home Therapy
Our experienced local therapists can support rehabilitation efforts to promote a fuller and speedier home recovery for individuals.
Homage services applicable for subsidies
Homage is an official government provider for Interim Caregiver Services in Singapore. You may use MediSave for the following Homage services, under the Home Caregiving Grant scheme:
Home Care
Assistance with activities of daily living (ADLs) such as eating, bathing, getting dressed, toileting, transferring and continence.
Home Nursing
Our home nursing services range from private nursing, IV drip, wound dressing, NGT feeding, urine bag drainage and more.
Home Therapy
To support your rehabilitation and recovery efforts through personalised exercise and therapy treatment sessions.
Specialised Care
From Dementia Care to Cancer Care, get the most relevant care support in response to your medical condition.
Maximise your ElderShield payouts by purchasing Homage’s prepaid packages at a discounted rate. With a monthly payout of $400, you may purchase the following services:
- 10-Hour Prepaid Home Care Package ($220)
- 10-Hour Prepaid Nursing Care Package ($270)
- Home Therapy Session ($180/hour)
- Speech Therapy Session ($200/hour)
- In-Person Care Assessment ($64.80/session)
How to apply
Step 1: Get assessed by a severe disability assessor
Contact a MOH-accredited severe disability assessor to undergo a disability assessment.
The assessor will conduct the disability assessment and collect an assessment fee from you, which will be fully reimbursed to you with the first payout if the care recipient is assessed to be severely disabled.
Assessment fees are $100 if done at an assessor’s clinic and $250 if an assessor visits your home.
If your loved one is residing in a nursing home, the nursing home can help submit a Resident’s Assessment Form in place of the disability assessment. You may approach the nursing home for further assistance.
Step 2: Submit your application
Login to AIC’s portal with your Singpass and apply via the website.
If you are unable to submit your application using the system, you may email [email protected] to apply. If you are applying on behalf of someone who lacks mental capacity, please read the additional resource on this website.
Step 3: Wait for your application to be processed
AIC may take up to six weeks to process your online application. They will inform you of the outcome in writing by mail.
More useful resources on MediShield Life
ElderShield: All You Need To Know
A Complete Guide to Financial Assistance Schemes for the Elderly & Caregiver Grants in Singapore
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