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​​​​​​​​​​​​​​Introduction to ElderFund

ElderFund is a new discretionary assistance scheme that will be launched on 31 January 2020. 

It is targeted at severely disabled lower-income Singapore Citizens aged 30 and older, who are not able to benefit from CareShield Life, ElderShield, and the Interim Disability Assistance Programme for the Elderly (IDAPE), and have low Medisave balances and inadequate personal savings to meet their long-term care needs. 

Eligible Singapore Citizens can receive up to $250 cash per month for as long as they remain eligible, and meet the terms and conditions needed for receipt of payment.


How to Apply

 

1. Complete the Long Term Care Schemes Application Form 

2. Visit the MOH Household Check website 

Check this site if your care recipient need to update their household information for the purpose of assessing their financial eligibility, or if they have previously disallowed the access of their Financial Information for eligibility checks. 

3. Contact an MOH-accredited severe disability assessor for assessment 

Click here for the list of assessors. The assessor will conduct the disability assessment of your care recipient and collect an assessment fee from you. If your care recipient is assessed to be severely disabled, the full assessment fee will be reimbursed.

  • You visit an assessor's Clinic: $100 
  • An assessor visits your house: $250

If your care recipient is residing in a nursing home, the nursing home can help them to submit a Resident's Assessment Form (RAF) in place of the severe disability assessment. 

4. Submit your ElderFund application documents to AIC

Send the completed application and any additional documents (if required) to AIC at:

Agency for Integrated Care Singapore
Post Centre Post Office P.O. Box 1173
Singapore 914040 

You can also email these documents to apply@aic.sg, or submit them at any of our AIC Links. 


After your application submission

AIC will take about 1 month to process your application. We will inform you of the outcome in writing and successful applicants will receive grants in the following month, which may include payouts from the month the application was submitted if applicant meets all eligibility.​​

Please contact AIC at 1800-650-6060 if you have not received your full assessment fee reimbursement/payout. 


Note:

1. If your care recipient is already a recipient of ElderFund and would like to change their details, please download and submit this Change in Application Details Form and Mental Incapacity Certification (if the care recipient lacks mental capacity). 

2. If your care recipient is already a recipient of ElderFund but wishes to opt-out from receiving ElderFund payouts, please download and submit the Opt-Out Form to AIC.



Frequently Asked Questions

Do you have questions about ElderFund? We may have the answers here.


Additional guidance for care recipient who lacks mental capacity to provide consent

1. The care recipient’s donee/deputy# may provide consent on the care recipient’s behalf. If the care recipient does not have such a donee/deputy, the caregiver* may make the application on care recipient’s behalf.

# Donee/deputy must be appointed in accordance with the Mental Capacity Act (Cap 177) and is authorised to make decisions on behalf of the care recipient in relation to the care recipient’s property and affairs.

* For successful applications without a donee/deputy, the caregiver or another family member has 12 months to obtain a court order appointing him/her as a deputy, failing which the payouts will be suspended. For more information on how to apply for a deputyship, please visit the ​Family Justice Courts website.

Doctor’s certification for mental incapacity is only valid for six months, unless stated permanent.


2. Please submit the following additional supporting documents:

  • Doctor’s certification that the care recipient lacks mental capacity OR court order of deputy appointment OR recent medical report stating that the care recipient lacks mental capacity; and
  • Copy of bank book or statement IF you are nominating an account belonging to a deputy or trustee of the care recipient.


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 a 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 

You will be reimbursed fully for the assessment fee if you are assessed to be severely disabled. If you are assessed to have mild/ moderate disability, you may still be eligible for mild/ moderate disability assistance schemes like the Home Caregiving Grant and FDW Levy Concession. 

For information on the different levels of disability and how to apply for ElderFund and other disability schemes you may be eligible for, please refer to the information on the eFASS.​



Severely disabled individuals who wish to apply for ElderFund 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 meet ElderFund 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. 

Through the training, assessors have learnt 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 the MOH and AIC website.

On 31 Jan 2020, the disability assessment fees for clinic-based assessments were raised from $50 to $100, and for non-clinic-based assessment, from $150 to $250.

These fees were last reviewed in 2012. As recommended by the ElderShield Review Committee, the fees for severe disability assessments were raised in recognition that there has been an increase in assessment complexity due to the assessment framework enhancements made to account for the impact of cognitive impairments on functional ability.

​You will be fully reimbursed for the fees if assessed to be severely disabled.

The previous disability assessment form (for ElderShield) today stated that an individual’s cognitive capacity should be taken into consideration when an assessor is assessing the individual’s ability to perform Activities of Daily Living (ADLs), but it was not clear how assessors should do so consistently.

Under the new framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an individual is suspected to be cognitively impaired. Assessors will therefore be better equipped to take into account the impact of cognitive impairment on an individual’s functional abilities, which will result in cognitively impaired individuals with higher care needs being able to more consistently qualify for ElderFund.

Individuals with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for ElderFund, as their functional abilities may be affected in varying degrees by their cognitive impairment.​

Annual periodic re-assessment is required to assess if the beneficiary is still severely disabled and meets the ElderFund criteria. The periodic re-assessment fees are waived, regardless of the outcome of the assessment. 

However, patients that were assessed as permanently severely disabled (e.g. Assessor statement by MOH accredited severe disability assessors) will be exempted from disability re-assessments, unless there is new information (e.g. doctor memo) suggesting that the patients have recovered.


Yes, you can reapply and receive ElderFund payouts again if assessed to meet ​all other eligibility criteria.​


The priority of ElderFund is to provide support for Singapore Citizens living in Singapore. PRs will not qualify for ElderFund payouts.

The priority of ElderFund is to provide support for Singapore Citizens living in Singapore. Singaporeans residing overseas will not qualify for ElderFund.


The target group for ElderFund recipients are Singapore Citizens who not eligible for CareShield Life, ElderShield and IDAPE, or are no longer active recipients of ElderShield and IDAPE. Our focus is also on benefitting Singapore Citizens who have low MediSave balances, which means that the amount that they are able to draw under MediSave for Long-Term Care (MSV-LTC) will not be the full $200/month allowable under MSV-LTC. 

However, Singaporeans who are unable to meet their long-term care costs, even after receiving payouts under ElderShield/CareShield Life, MediSave (from himself or his spouse) or IDAPE, may be considered for ElderFund on a case-by-case basis. 

If you face challenges meeting your long-term care needs, you should approach a medical social worker at your long-term care provider, or the Agency for Integrated Care (AIC) for more advice and assistance.

We recognise that there will be individuals who do not meet the ElderFund eligibility criteria, but are in need of financial support for long-term care. You may reach out to the Agency for Integrated Care (AIC) through the AIC website (www.aic.sg), AIC hotline (1800-650-6060) or speak to a Care Consultant at AIC Links located at the public hospitals and Maxwell.

ElderFund has stringent financial criteria, as it is intended to act as a safety net, for needy Singaporeans who require financial assistance to pay for their out-of-pocket costs for long-term care. It is also designed to be discretionary, to provide flexibility in accommodating various financial circumstances. As such, if you wish to receive ElderFund payouts, you will need to submit an application for ElderFund, to facilitate a holistic assessment of your eligibility for ElderFund.

The ElderFund eligibility criteria is stricter than that of PioneerDAS and HCG. For PioneerDAS and HCG, which are moderate disability schemes, individuals only need to require some assistance with three or more Activities of Daily Living (ADLs). For ElderFund, which is a severe disability scheme, individuals need to be unable to perform three​ or more ADLs (i.e. require significant assistance) in order to be eligible. As the ElderFund eligibility criteria is stricter, patients who are eligible for ElderFund can automatically receive PioneerDAS or HCG payouts without going for a separate assessment (subject to meeting the other non-disability eligibility criteria for these schemes), but not the converse.
ElderFund will supplement existing Government subsidies/assistance schemes, community support, and family support, to better enable lower-income Singaporeans to afford their basic long-term care needs. 
As a comparison, the payout of up to $250 per month is similar to the current level of payouts under the Interim Disability Assistance Programme for the Elderly (IDAPE). 

Singaporeans who are still unable to meet their long-term care needs after tapping on the various means-tested Government subsidies and assistance schemes, can apply for financial assistance through Government-funded safety nets such as MediFund and ComCare.

The regular increase in payouts for CareShield Life are supported by regular premium increases. Once a policyholder under CareShield Life makes a claim, the payout stays fixed. 
ElderFund will be a discretionary government assistance scheme, funded through taxes. Eligible Singapore Citizens can receive up to $250 per month in cash. There will be no cap on payout duration as long as they remain eligible. The Government will review the payout amount over time to ensure that payouts remain relevant for beneficiaries. With any increase, additional monies will need to be set aside to fund the scheme.
The Interim Disability Assistance Programme for the Elderly (IDAPE) and Pioneer Disability Assistance Scheme (PioneerDAS) are disability assistance schemes restricted to smaller groups of older Singaporeans. ElderFund provides wider coverage, and is targeted at assisting lower-income Singapore Citizens above the age of 30 who are unable to benefit from CareShield Life, ElderShield and IDAPE, and have insufficient MediSave balances to support their basic long-term care needs. 
IDAPE was introduced in 2002 to benefit seniors who were not eligible for ElderShield at the time because they were aged 70 and above (born on/ or before 30 September 1932) or had pre-existing disabilities. It provides $250 per month or $150 per month, depending on applicant’s per capita household income, for a maximum of 6 years. 

PioneerDAS is part of the Pioneer Generation package, and provides $100 per month for all moderately disabled Pioneers. There is no cap on the duration of payouts as long as they meet the eligibility criteria.

ElderFund is a discretionary assistance scheme, targeted at lower-income Singapore Citizens who are severely disabled, while MediFund is mainly to help patients who are unable to cope with medical bills (including those who are disabled or severely disabled), and ComCare is mainly to provide social assistance to low-income individuals or families. 

Government-funded safety nets such as MediFund and ComCare will provide assistance to Singaporeans who are unable to pay for their care even after Government subsidies and other means of support. 

If you have challenges meeting your long-term care needs, you should approach a medical social worker at your long-term care provider, or the Agency for Integrated Care (AIC) for more advice and assistance. Alternatively, if you are already being assisted by a social worker from the Ministry of Social and Family Development (MSF) with your daily living expenses, you may also seek help from your current social worker for your long-term care costs. 

MOH and MSF will work closely together to ensure that Singaporeans who need financial assistance do not need to undergo unnecessary hurdles in seeking assistance for their healthcare, long-term care and daily living expenses.

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