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ElderShieldElderShield<p>​ElderShield is a severe disability insurance scheme that provides basic financial protection to those who are not able to do simple daily activities and need long-term care, especially in their old age.​</p>TrueTrueTrueResources;#Forms;#Others;#



Understand What is ElderShield?<p>ElderShield is a severe disability insurance scheme which provides basic financial protection to those who need long-term care. It provides a monthly cash payout to help pay for out-of-pocket expenses up to a maximum period of 72 months. </p><p>CPF members with a MediSave Account (MA) will automatically be enrolled in ElderShield at the age of 40, unless they opt out of the scheme. No registration or medical assessment is needed. </p><p>The Ministry of Health (MOH) has appointed three private insurers to manage ElderShield. They are Aviva Limited, Great Eastern Life Assurance Company Limited, and NTUC Income Insurance Co-operative Limited.</p><p>You will receive a welcome package from one of these insurers three months before your 40th birthday. Policyholders are assigned to the insurers randomly, although you can opt to change insurer before your cover commences.</p><p>If you are under 65 years old and are not covered, you can apply for ElderShield from any of the ElderShield insurers, subject to medical assessment. </p>ElderShield15641564
Understand What is the definition of severe disability?<p>When a person is unable to do at least three of these six daily activities listed below, the person is considered to have severe disability. If you or your loved one meets this criteria, you may wish to consider submitting a claim.</p><ol><li style="margin-bottom:7px;">Washing - The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means. </li><li style="margin-bottom:10px;">Dressing<br>The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances. </li><li style="margin-bottom:7px;">Feeding<br>The ability to feed oneself food after it has been prepared and made available. </li><li style="margin-bottom:10px;">Toileting<br>The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate. </li><li style="margin-bottom:7px;">Mobility<br>The ability to move indoors from room to room on level surfaces. </li><li style="margin-bottom:7px;">Transferring<br>The ability to move from a bed to an upright chair or wheelchair, and vice versa.</li></ol>ElderShield15771577
Understand What are the payouts under ElderShield?<p>There are currently two ElderShield schemes: ElderShield300 and ElderShield400.</p><p>Singapore Citizens and Permanent Residents who join ElderShield after September 2007 will be under the ElderShield400 scheme.</p><p>For ElderShield300, the monthly cash payout is $300 for a maximum of 60 months.<br></p><p>For ElderShield400, the monthly cash payout is $400 for a maximum of 72 months.</p><p>You can read more about the two ElderShield schemes at the <a href="" target="_blank">MOH website</a>.</p>ElderShield15781578
Understand How much is my ElderShield premium?<p>Your ElderShield premium is set based on your age when you join the scheme and is payable until age 65. The premium amount does not increase with age. Follow these links for premiums for <a href="" target="_blank">ElderShield 400</a> and <a href="" target="_blank">ElderShield 300</a>.</p>ElderShield15651565
Understand How can I pay for the ElderShield premiums?<p>The premiums can be paid using your MediSave savings. If you do not have enough MediSave savings, you can use the MediSave savings of your spouse, parents, children, grandchildren and siblings. You can also pay using cash, cheque or arrange for a GIRO payment to your insurer.</p>ElderShield15801580
Understand What are ElderShield Supplements?<p>If you wish to have higher severe disability insurance coverage (e.g. higher payouts and/or longer payout period), you can consider buying ElderShield Supplements offered by the three appointed private insurers. Note that you need to have a basic ElderShield cover before you can buy ElderShield Supplements. The premiums of ElderShield Supplements can also be paid using your MediSave savings, up to a limit of $600 per year per insured person. </p>ElderShield15671567
EvaluateWhy should I stay on ElderShield and not opt out?<p>By joining the scheme under auto-coverage, you do not need to go for any medical assessment. If you opt out now and want to join later, your application will be subject to the insurer’s underwriting and approval. </p><p>In addition, as the ElderShield premiums depend on the age of entry and do not increase with age, annual premiums are more affordable if you join the scheme earlier.</p>ElderShield15691569
EvaluateCan I change my ElderShield insurer?<p>You can change your ElderShield insurer before your cover commences by completing the form in your welcome package. Mail the completed form back to your assigned insurer and you should receive your policy documents from your chosen insurer about one to two weeks later. </p><p>If you wish to change insurer after the commencement of your plan, you will need to terminate your plan with your existing insurer and apply for a new cover with your chosen insurer. You may be subject to underwriting or medical assessment by the new insurer. Premiums can only be refunded if the cover is terminated in the first 60 days of the first policy year. </p>ElderShield15721572
ApplyHow do I join ElderShield?<p>You can contact any of the following three appointed private insurers to join ElderShield:</p><table width="100%"><tbody><tr><td width="80%" colspan="3">Aviva Limited</td></tr><tr><td width="5%">Address<br></td><td width="5%">:<br></td><td width="70%">4 Shenton Way, #01-01, SGX Centre 2 Singapore 068807<br></td></tr><tr><td>Website</td><td>:</td><td> <a href="" target="_blank"></a></td></tr><tr><td>Email</td><td>:<br></td><td> <a href=""></a></td></tr><tr><td>Hotline</td><td>:</td><td>6827 7788</td></tr></tbody></table><p> </p><table width="100%"><tbody><tr><td width="80%" colspan="3">NTUC Income Insurance Co-operative Limited</td></tr><tr><td width="5%">Address<br></td><td width="5%">:</td><td width="70%">75 Bras Basah Road, NTUC Income Centre, Singapore 189557</td></tr><tr><td>Website</td><td>:</td><td> <a href="" target="_blank"></a></td></tr><tr><td>Email</td><td>:</td><td> <a href=""></a></td></tr><tr><td>Hotline</td><td>:</td><td>6332 1133</td></tr></tbody></table><p> </p><table width="100%"><tbody><tr><td width="80%" colspan="3">The Great Eastern Life Assurance Company Limited</td></tr><tr><td width="5%">Address</td><td width="5%">:</td><td width="70%">1 Pickering Street, #13-01, Great Eastern Centre, Singapore 048659</td></tr><tr><td>Website</td><td>:</td><td> <a href="" target="_blank"></a></td></tr><tr><td>Email</td><td>:</td><td> <a href=""></a></td></tr><tr><td>Hotline</td><td>:</td><td>1800-248-2888</td></tr></tbody></table><p>  </p>ElderShield15791579
ApplyHow do I opt out of ElderShield?<p>Complete and mail the opt-out form in your invitation package to your appointed private insurer. You can also contact your insurer to request for an opt-out. ElderShield15731573
























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