There are a lot of services that an elderly may need and caregiving is a long and tedious journey. Lack of basic financial protection may be a problem and costs may depend on your care arrangement. Nursing homes may cost approximately $1,200 to $3,500 a month, daycare centers may cost about $900 to $1,500 a month and home care services can range from $20 to $25 an hour. This does not include other additional costs such as travel expenses and medical fees assistance. Also, assistive devices such as hearing aids, wheelchairs and spectacles which can help improve the quality of life of the elderly care recipients are costly. This is why it is important to know more about the senior care financial assistance schemes that Singapore citizens and their family members can receive to support their loved ones.
The Home Caregiving Grant (HCG) gives monthly cash withdrawals to eligible Singaporeans amounting to $200 monthly. The goal of this is to help families who require assistance in caring for their loved ones experiencing who are moderately to severely disabled.
The Home Caregiving grant actually replaces the Foreign Domestic Worker (FDW) Grant as part of the new Caregiver Support Action Plan by the Ministry of Health. Some key information between these two caregiving assistance are:
The eligibility criteria for the HCG include:
If an individual is unable to perform at least 3 ADLs without assistance, they are considered to have a permanent modern disability (this also qualifies them for senior mobility and disability grants). The 6 Activities of Daily Living include:
On the website, you will see the Long Term Care Schemes Guide & Application Form. Download this and fill up the application form. Make sure to read the terms and conditions before filling up.
Through the MOH Household Check Website, you can update your household information. Check if you have been means-tested. You may also allow eligibility checks on your financial information.
This is a requirement for all HCG applicants. For this, you can visit a General Practitioner (GP) or visit your local clinic to obtain a Functional Assessment Report (FAR).
Ensure that you have filled out the application form and have completed all the required documents like the Functional Assistance Report and other supporting documents. You may log in to AIC’s eService portal (EFASS) with your Singpass for a shorter waiting time for application approval.
Once you have submitted your application, you will be informed of the results via mail to your registered address. If you are successful, the monthly payout will be credited to your bank account.
Caregivers Training Grant or CTG provides caregivers with $200 to enroll in training courses of their choice. You can choose any course as long as it is approved by the Agency of Integrated Care (AIC). If you apply for the CTG in the year 2022, you can use it only for a year (April 1 to March 31). Any remaining amount will not be carried over to the next year. Also, the same amount will be provided regardless of whether there are more than one caregiver Singapore caring for the same care recipient. CTG is actually one of the cash assistance schemes which Singapore citizens can receive to support their family members.
The eligibility criteria which must be met for CTG are:
The list of available courses can be found on the AIC e-calendar. There are home-based courses that can be taken online through a computer or other electronic devices. There are also class-based courses wherein the trainer can conduct the class in a group classroom setting.
The application form can be downloaded online. If you have already chosen a course to attend, the instructor can provide a copy of the form for you and can also turn in the application form. Submit the application form at least two weeks before the start of your training course.
The foreign worker levy or “levy” is a means to regulate the number of foreign domestic workers in Singapore. An FDW Employer is not required to pay the Central Provident Fund (CPF) contributions for helpers but a monthly levy should be paid by them.
|Type of Levy||Monthly Rate||Daily Rate|
|Normal (1st helper)||$300||$9.87|
|Normal (Subsequent helpers)||$450||$14.80|
The concessionary rate only applies if you qualify for levy concession and to families with a young child, elderly member or person with a disability.
You can pay the levy every month via the General Interbank Recurring Order (GIRO). On the 17th of the following month or the next working day, if it falls on a weekend or public holiday, the levy will be deducted from your bank account. Make sure to maintain enough enabling fund in your account before the deduction date. If you will use other methods, you must pay the levy for each month by the 14th of the following month.
The Foreign Domestic Worker (FDW) Levy Concession for Persons with Disabilities is part of the package to support Singaporeans needing care. This is also one of the financial assistance schemes which can be availed by qualified Singapore citizens. Under the FDW Levy Concession, instead of $300 a month, it lets families pay the FDW concessionary levy rate of $60 a month. It is capped at 2 helpers per household and granted based on 1 eligible person per household.
An employer can qualify for levy concession if you live with any of the following who is a Singapore citizen:
You can apply online if the eligible care recipient is a family member or relative or other person needing caregiver assistance from a migrant domestic worker (or, alternatively, refer to services like that offered by Retire Genie). If you are a Singapore Citizen or your spouse is and you live in the same household with your parent, parent-in-law, grandparent or grandparent-in-law who is a Singapore permanent resident and at least 67 years old, you can also apply online. For PWD, the application is through the Agency for Integrated Care. The processing time is usually 4 weeks.