ElderFund is a discretionary assistance scheme 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
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.
To be eligible for ElderFund, the care recipient must meet the following criteria:
Must be a Singapore Citizen
Aged 30 and above
Not a CareShield Life or ElderShield policyholder, or no longer an active recipient of ElderShield claims
Not eligible for Interim Disability Assistance Programme for the Elderly (IDAPE), or no longer an active recipient of IDAPE
Household monthly income per person is $1,200 or less; and
MediSave balance of less than $10,000
*Applications from Singaporeans who do not meet the guiding financial criteria but have difficulty meeting their long-term care needs will be considered on a case-by-case basis.
Unable to perform three or more of the six Activities of Daily Living, as certified by an MOH-accredited severe disability assessor. These six activities are:
Contact an MOH-accredited severe disability assessor to undergo a disability assessment.
here for the list of assessors.
b. The assessor will conduct the disability assessment and collect an assessment fee from you. If the care recipient is assessed to be severely disabled, the full assessment fee will be reimbursed to you with the first payout.
The fees are as follows, if:
c. If the care recipient is residing in a nursing home, the nursing home can help submit a Resident’s Assessment Form (RAF) in place of the severe disability assessment. Please approach the nursing home for assistance.
AIC’s eService portal (eFASS) with your Singpass.
a. On the overview page, look for the “Apply to Receive Scheme(s) Payout” section and select “For myself” or “As a caregiver”.
b. If the care recipient is residing in a nursing home, you may nominate the nursing home to receive the payout, which can be used to offset the nursing home bills. Please approach the nursing home for assistance.
c. Should the care recipient lack mental capacity, please go through the
Please note that the AIC eServices for Financing Schemes (eFASS) is currently unavailable. We are working to bring back online service as swiftly as we can. We apologise for the inconvenience caused. For assistance, please call our AIC Hotline at 1800-650-6060.
1. If you need to update your household information or if you have previously disallowed the access of your Financial Information for eligibility check, please visit the
MOH Household Check website.
We are currently experiencing a high volume of applications. During this period, we may take up to 1 month to process your online application. We will inform you of the outcome in writing. If your application is successful, payouts will be made to your nominated bank account in the following month, which may include payouts from the month the application was submitted.
The care recipient will continue to receive monthly payouts in the nominated bank account by the end of every month as long as the care recipient remains eligible.
Please contact AIC at 1800-650-6060 if you require any assistance.
1. If you would like to change the care recipient’s scheme details, please login with your Singpass on the
eFASS. Go to “Manage My Schemes” > “Change in Scheme Details”. Please note these additional points as well:
2. If you wish to opt-out from receiving ElderFund payouts, please login with your Singpass on the
eFASS. Go to “Manage My Schemes” > “Change in Scheme Details”.
3. If you are unable to update scheme details or opt out of scheme using the eFASS, please email us at
email@example.com, or walk in to any of our
AIC Links to request for a hardcopy application form. We seek your understanding that hardcopy applications have a longer processing time.
To be eligible for ElderFund, your loved one must meet the following criteria:
Must be a Singapore Citizen, aged 30 and above, and residing in Singapore.
Unable to perform 3 or more of the 6 Activities of Daily Living, as certified by an MOH-accredited severe disability assessor. These six activities are:
Long Term Care Schemes Application Form and go through the
Terms and Conditions.
We recommend that you nominate the care recipient's bank account to receive the payout.
If the care recipient is residing in a nursing home, please approach the nursing home for assistance.
Should the care recipient lack mental capacity, please go through this
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.
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.
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.
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
You can also email these documents to
firstname.lastname@example.org, or submit them at any of our AIC Links.
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.
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.
Additional guidance for care recipient without mental capacity
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 and paying to 3rd party bank accounts (not applicable to nursing home accounts), 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:
Why do I need the NRIC issue date? How do I find the NRIC issue date?
AIC requires the input of the NRIC issue date for verification purposes.
How do I change my ElderFund nominated bank account?
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.
How do I know whether I am severely disabled?
Can I see my own doctor or therapist to be assessed for ElderFund eligibility?
If you wish to apply for ElderFund 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.
Do I need to pay for a severe disability assessment? How much are the assessment fees?
The fees for clinic-based and non-clinic-based assessments are $100 and $250 respectively. Assessment fees will be reimbursed only if the care recipient is assessed to be severely disabled.
Will cognitive impairments be better recognised under the revised disability assessment framework? Does this mean someone with dementia will automatically qualify for ElderFund?
Under the new severe disability assessment framework and revised training curriculum, assessors will be guided more explicitly on the aspects to consider if an applicant is suspected to be cognitively impaired. As assessors are better equipped to take into account the impact of cognitive impairment on an applicant’s functional abilities, cognitively impaired applicants with higher levels of functional impairment will more consistently qualify for severe disability scheme(s).
Applicants with dementia or other cognitive impairments will still need to undergo a disability assessment in order to qualify for severe disability scheme(s) payouts, as dementia/cognitive impairment could affect the applicant’s functional abilities to varying extents.
Is there a periodic re-assessment? How often would it be? Can this be waived?
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.
If my ElderFund payout had ceased due to recovery, can I subsequently reapply if I become severely disabled again?
Will Singapore Permanent Residents (PRs) be eligible for ElderFund?
The priority of ElderFund is to provide support for Singapore Citizens living in Singapore. PRs will not qualify for ElderFund payouts.
Do Singaporeans residing overseas 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.
If I have IDAPE/ ESH 300/ ESH 400/ CareShield Life/ Supplements/am able to draw from MediSave for long-term care, can I still qualify for ElderFund payouts? If I do not have enough MediSave, but is able to draw from my spouse’s MediSave, can I qualify?
Can I appeal for ElderFund? How can I appeal?
Will I be automatically included for ElderFund if I am receiving disability payouts from other severe disability schemes?
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.
Will I automatically qualify for ElderFund if I am receiving payouts from moderate disability assistance schemes such as Pioneer Generation Disability Assistance Scheme (PioneerDAS) or Home Caregiving Grant (HCG)?
How was the payout amount of $250/month decided?
Will the ElderFund payouts rise over time, like CareShield Life payouts?
How is ElderFund different from IDAPE and PioneerDAS? These schemes all offer cash payouts for disabled Singaporeans.
How is ElderFund different from MediFund or ComCare? If I am a severely disabled person in need, who should I go to for help?
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