What are the Home Protection Scheme claim criteria?
A Home Protection Scheme (HPS) claim can be made when a member passes away or is certified by an accredited doctor* to be suffering from terminal illness or total permanent disability.
- Terminal illness refers to an illness that is likely to result in the death of the member within 12 months
- Total permanent disability refers to (i) the inability to take part in any employment permanently, or (ii) the total permanent loss of physical function of any of the following:
- Both eyes
- Two limbs, or
- One eye and one limb
A claim under (a) or (b)(ii) can be made only if the terminal illness or total permanent loss of physical function started on or after 1 May 2016.
Detailed medical report may be obtained from the member’s doctor to determine his eligibility to claim HPS benefits. To qualify for claim under (b)(i), the member must also have stopped physical employment.
If the member’s doctor is not from the accredited list, arrangements may be made for the member to be further examined by CPF Board’s doctors.
* The list of accredited doctors are those from government restructured hospitals, polyclinics or specialists.
