Definitions and Claims

You can login with your SingPass on eFASS and navigate to “Manage My Schemes” > “Change in Scheme Details”.

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 for more information.

If you are nominating a nursing home to receive the payouts, please approach the nursing home to help you submit the Change in Application Details Form to AIC.

Do keep a copy of the application documents for your own reference.

You would need to visit an MOH-accredited severe disability assessor to be assessed whether you are severely disabled. You are likely to be assessed as severely disabled if you are unable to perform at least three activities of daily living (ADLs). These ADLs are bathing, dressing, feeding oneself, using the toilet, moving around and transferring.

For example, at least three of the following scenarios apply to you:

- You may need to rely entirely on your caregiver to be fed

- You may need to rely entirely on your caregiver to be bathed

- You may need to rely entirely on your caregiver to manage your diapers or catheter

- You may need to rely entirely on your caregiver to be dressed

- You need to rely entirely on caregiver to move over a distance, e.g. cannot walk on one’s own or push oneself in a wheelchair.

- You need to be fully supported when being transferred from bed to chair, or chair to bed.

If you wish to apply for CareShield Life or any of the severe disability schemes, you need to undergo a severe disability assessment by an MOH-accredited severe disability assessor. You may wish to check if your own doctor or healthcare professional is on the list of MOH accredited severe disability assessors. This can be found at www.aic.sg/assessors-list . If they are not, you will need to make an appointment with one of the assessors on the list for an assessment.

The fees for clinic-based and non-clinic-based assessments are $100 and $250 respectively. The assessment fee will be waived for the first disability assessment for CareShield Life claims, regardless of the assessment outcome.

Otherwise assessment fees will be reimbursed only if the policyholder is assessed to be severely disabled.

Applicants with dementia or other cognitive impairments will not automatically qualify for CareShield Life claims, and will still need to undergo a severe disability assessment, as dementia/cognitive impairment could affect the applicant’s functional abilities to varying extents.

An annual periodic re-assessment may be required to assess if a care recipient of a severe disability scheme continues to meet the criteria for receiving payouts/withdrawals. Periodic re-assessment fees are waived, regardless of the outcome of the assessment. We will write to the care recipient if a periodic re-assessment is required.

Care recipients who are assessed as permanently severely disabled will be exempted from disability re-assessments, unless new information comes in to suggest that the care recipient’s condition has improved.

Yes, you can reapply and receive CareShield Life payouts again if you are assessed to meet all eligibility criteria.

Your potential payouts start at $600 per month in 2020 and increase annually until aged 67, or when a successful claim is made, whichever is earlier.

This means that if you are aged 66 or younger, your fixed monthly payout is based on the calendar year from which you were eligible for payouts, and not the calendar year of your claims application.

For example, an individual who had met the eligibility criteria in 2020 but only submitted their claim in 2021 would have their fixed monthly payout quantum set at the payout amount for 2020 (not 2021).