ElderShield is a basic long-term care insurance scheme targeted at severe disability, especially during old age. When it was introduced in 2002 as ElderShield 300, it provided payouts of $300/month for up to 5 years upon severe disability. It was subsequently reviewed in 2007 to ElderShield 400, which provides better benefits of $400/month for up to 6 years.
Due to a system upgrade, you will not be able to log in or make submission to eFASS from
Thursday, 28 April 2022, 3pm to Saturday, 30 April 2022, 11.59pm.
You are advised to plan ahead and submit your applications early to avoid the downtime period. For more details,
From September 2002 to December 2019, all Singapore Citizens and Permanent Residents with MediSave Accounts were automatically enrolled in ElderShield at the age of 40, unless they opted out of the scheme.
From 2020 onwards, there will be no new auto-enrolments onto ElderShield, instead, eligible Singapore Citizens and Permanent Residents born in 1980 or later will be auto-enrolled onto CareShield Life. You can find out more about CareShield Life
here or make a CareShield Life claim
Those born on or before 30 September 1932, or born between 1 October 1932 and 30 September 1962 and had pre-existing disabilities as of 30 September 2002 were not able to join ElderShield in 2002. Instead, they may be eligible for assistance under the Interim Disability Assistance Programme for the Elderly (IDAPE)
From 1 November 2021, the Government has taken over the administration of ElderShield from the three MOH-appointed private insurers: Singlife (formerly known as Aviva), Great Eastern, and Income. The Government will work with the Central Provident Fund Board and AIC to operationalise and administer ElderShield. Claims servicing will be handled by AIC.
ElderShield policyholders who become severely disabled are eligible to make claims, and can receive payouts for up to 60 or 72 months, as long as they continue to meet the terms and conditions needed to receive payouts. Payout amounts and duration are dependent on the care recipient’s scheme, as shown in the table below.
To be eligible for ElderShield claims, the care recipient must meet the following criteria:
Unable to perform three or more of the six Activities of Daily Living, as certified by a MOH-accredited severe disability assessor. These six activities are:
Contact an MOH-accredited severe disability assessor for a severe disability assessment.
b. The assessor will conduct the severe 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 in place of the severe disability assessment. Please approach the nursing home for assistance.
AIC’s eService portal (eFASS) with your Singpass.
We strongly encourage you to apply online as there is a shorter waiting time for application approval. If you are unable to submit your application using eFASS, please email us at
email@example.com or walk in to any of our
AIC links to request for a hardcopy application form.
If the care recipient is an ElderShield policyholder but no longer a Singapore Citizen/Permanent resident, please inform us of your status and request for a hardcopy application form by writing to firstname.lastname@example.org, as you will not be able to apply using AIC’s eService portal (eFASS).
Care recipients in Nursing Homes can arrange for payments to be made to the Nursing Home to offset their bills. Please contact the Nursing Home for assistance with the application.
If you are applying on behalf of someone who lacks mental capacity, please read the
We are currently experiencing a high volume of applications. During this period, we may take up to six weeks to process your online application. We will inform you of the outcome in writing by mail. 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 payouts will be reflected as "ElderShield” in your bank statement.
The care recipient will continue to receive monthly payouts in the nominated bank account by the end of every month, for 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
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 ElderShield payouts, please login with your Singpass on
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 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.
Your loved one is automatically enrolled in ElderShield if they are a Singapore citizen or Permanent Resident with a Medisave account at age 40, unless they opt out of the scheme. They can check their ElderShield coverage through the CPF Board's website, at
The form you download depends on the insurer your loved one is covered under:
Confirm your loved one cannot perform three or more Activities of Daily Living by going for an assessment by an approved IDAPE assessor. The list of appointed assessors is
here (and is the same across insurer).
Visit to the appointed assessor - $100 per assessment
House call - $250 per assessment
Complete the ElderShield Claim Form and hand them to the assessor, who will fill in the necessary sections and submit them to their ElderShield insurer.
If your loved one is assessed to be severely disabled, AIC will reimburse the amount to them.
If your loved one has opted-out of ElderShield earlier, and wish to opt-in, please note that they need to be age 64 year old and younger, and their re-entry into the scheme will be subject to underwriting.
Should your loved one wish to opt back in, they can contact any of the three ElderShield insurers directly. You can find out more through the
Ministry of Health website.
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 addtional supporting documents:
Why do I need NRIC issue date? How do I find the NRIC issue date?
C. How do I change my nominated bank account for ElderShield claim payouts?
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 for assistance.
Do keep a copy of the application documents for your own reference.
How do I know whether I am severely disabled?
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 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 Foreign Domestic Worker Levy Concession for Persons with Disabilities.
For information on the different levels of disability and how to apply for ElderShield claims and other forms of financial support, please refer to the information on
Can I see my own doctor or therapist to be assessed for ElderShield claim eligibility?
Do I need to pay for a severe disability assessment? How much are the assessment fees?
Would someone with dementia automatically qualify for ElderShield claims?
Is there a need for 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 ElderShield payout had ceased due to recovery, can I subsequently reapply for claims if I become severely disabled again?
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