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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.

  1. Terminal illness refers to an illness that is likely to result in the death of the member within 12 months.
  2. Total permanent disability means that (i) you are unable to take part in any employment permanently, or (ii) you have experienced the total permanent loss of physical function of any of the following: 
  • Both eyes
  • Two limbs, or
  • One eye and one limb

To determine eligibility for HPS benefits, a detailed medical report has to be obtained from your doctor. If your doctor is not accredited, we may arrange for you to be examined by one of CPF Board’s appointed doctors.

To qualify for a claim under total permanent disability, you need to also have stopped physical employment.