As we age, it becomes increasingly important to have access to financial assistance, home-based care support, and other services that can help enhance our quality of life. 

Whether you are a senior yourself or a caregiver looking after an elderly loved one, this article will provide valuable information on the various resources available to ensure a fulfilling and supportive journey towards active ageing.

A Guide to the Available Support for Seniors in Singapore

Seniors in Singapore are fortunate to have a range of support options available to them. One such avenue is financial assistance, which can alleviate the burden of expenses that come with ageing. Grants and subsidies specifically designed for seniors can help cover healthcare costs, home modifications, and even daily living essentials.

In addition to financial aid, there are also various home-based care support services tailored for seniors. They not only provide convenience but also ensure that seniors receive the necessary medical attention and nutritious meals without leaving the comfort of their homes.

There are also Active Ageing Centres operated by Fei Yue across Singapore that offer a wide array of activities aimed at promoting physical fitness, mental well-being, and social interaction among seniors. From exercise classes and hobby groups to educational workshops and recreational outings – these centres play a crucial role in enhancing the overall quality of life for our senior population.

Financial Assistance for Seniors and Their Caregivers

There are several support schemes available in Singapore to help seniors and their caregivers.

When it comes to taking care of our elderly loved ones, financial assistance can make a world of difference. Thankfully, there are several support schemes available in Singapore to help seniors and their caregivers manage the financial burdens that often come with ageing, 

Seniors’ Mobility and Enabling Fund (SMF)


This fund helps seniors who require mobility and assistive devices for daily independent living, as well as those receiving government-funded home care and community care to remain ambulant in the community. It assists individuals who are in need of motorised mobility scooters and wheelchairs to help them get around easier.

To apply for the fund or check the eligibility for your household, you can reach out to the Agency for Integrated Care (AIC) to find out more!

Grants and Assistance

Pioneer Generation Disability Assistance Scheme (PioneerDAS)

PioneerDAS was designed as a tribute to the pioneers who helped build the country.

For pioneers with disabilities, they can receive $100 every month to support their daily needs. It’s a way of expressing gratitude for their significant contributions to Singapore’s development.

Interim Disability Assistance Programme for the Elderly (IDAPE) 

The IDAPE is a financial aid initiative by the Singapore government. It supports elderly Singaporeans who were not eligible for ElderShield due to age or pre-existing disabilities when it launched in 2002. IDAPE provides monthly cash payouts of $150 or $250, depending on financial need, for up to 72 months. 

These funds can be used for various care-related expenses, such as medical bills, nursing costs, or hiring a caregiver.

To qualify, seniors must require full assistance with at least three of the six Activities of Daily Living.

​​ElderFund

ElderFund is a discretionary assistance scheme launched in January 2020, targeting severely disabled lower-income Singapore citizens aged 30 and older who are not able to benefit from CareShield Life, ElderShield, or the IDAPE. It provides up to $250 in monthly cash payouts for as long as the recipients remain severely disabled. 

To qualify, individuals must meet certain financial criteria and similar to IDAPE, it is for seniors who require full assistance with at least three of the six Activities of Daily Living.

MediSave Care

MediSave Care is a long-term care scheme in Singapore, launched on October 1, 2020. It allows Singapore citizens or permanent residents aged 30 and above who are severely disabled to make monthly cash withdrawals from their own and/or their spouse’s MediSave accounts. The scheme helps cover long-term care needs, with withdrawal amounts up to $200 per month. 

To qualify, individuals must have a MediSave Account balance of at least $5,000 to ensure sufficient funds for other medical expenses and require full assistance with at least three of the six activities of daily living.

Home Caregiving Grant (HCG)

This is a grant that seniors can take advantage of to recognise caregivers’ contributions and further reduce caregiving costs. With payouts ranging from $200 to up to $400 a month, this assistance will help relieve caregivers and provide additional help to lower-income families.


You can find out more about the grant, including application requirements, on the AIC website.

Migrant Domestic Worker (MDW) Levy Concession for Persons with Disabilities

The MDW Levy Concession allows eligible households to pay a reduced levy rate of $60 per month for hiring a migrant domestic worker instead of the standard rate.

The levy concession is only eligible for households with a young child below 16 years old, an elderly person at least 67 years old, or a person with disabilities who requires help with at least one activity of daily living.

The concession is capped at two helpers per household and is granted based on one eligible person in the household.

CareShield Life

Careshield Life is a national long-term care insurance scheme implemented to provide financial support for individuals facing severe disability or long-term care needs.

Launched as part of the country’s efforts to address the challenges of an ageing population, CareShield Life offers a comprehensive and affordable insurance plan. Participants contribute premiums, and in return, they become eligible for financial payouts if they experience severe disabilities, ensuring that they have the necessary funds to cover the costs of long-term care services and support. 

ElderShield

ElderShield is a national insurance scheme designed to provide financial assistance to individuals who require long-term care due to severe disabilities that limit their ability to perform daily activities. Participants contribute premiums to the ElderShield programme, and in the event of a severe disability, they become eligible for cash payouts. 

The scheme aims to offer financial support for necessary care services and support, helping individuals maintain their quality of life and reducing the financial burden on both the affected individuals and their families. 

Home-based Care Support for Seniors and their Caregivers

Caregiver Training Grant (CTG) is a support programme that caregivers can utilise to learn how to better care for seniors.

Caregiver Training Grant (CTG)

This grant is a financial support initiative aimed at empowering caregivers with the necessary skills and knowledge to provide effective care for their loved ones. 

Through the CTG, eligible caregivers receive subsidies to attend approved training courses related to caregiving, health, and well-being. This grant underscores the importance of enhancing caregiver capabilities, enabling them to better navigate the challenges associated with caring for individuals with disabilities or medical conditions. 

By allowing access to relevant training opportunities, the CTG can improve the overall quality of care provided by family caregivers and promote the well-being of both caregivers and the seniors involved.

Community Health Assist Scheme (CHAS)

CHAS is a healthcare initiative designed to support individuals with chronic medical conditions who require long-term care at home. CHAS provides eligible residents with subsidies for essential healthcare services, including doctor consultations and selected treatments conducted in the comfort of their homes. 

By offering financial assistance, CHAS aims to alleviate the healthcare costs for individuals with chronic conditions, facilitating their access to necessary medical attention without the need for institutional care.

Integrated Home and Day Care (IHDC) 

The comprehensive care programmes are designed to provide holistic support for individuals with long-term care needs, allowing them to receive services both at home and in daycare facilities. 

It aims to enhance the quality of life for participants by offering a range of services, including medical care, therapy, and social activities. IHDC packages are structured to provide a seamless blend of professional care, therapeutic interventions, and social engagement, tailored to the unique needs of each individual. 

Home Palliative Care 

This is a specialised healthcare service designed to provide compassionate and comprehensive support to individuals with serious illnesses, focusing on improving their quality of life and managing symptoms. This form of care is delivered in the comfort of the patient’s home, offering personalised medical, emotional, and practical assistance. 

Home Palliative Care involves a multidisciplinary team, including doctors, nurses, social workers, and other specialists, who collaborate to address the physical, emotional, and spiritual needs of both patients and their families. The goal is to enhance comfort, alleviate pain and stress, and support individuals and their loved ones during challenging times. 

Other Support Services for Seniors and their Caregivers

Fei Yue Community Service’s Befriender Service

Fei Yue Community Service’s Active Ageing Centres offer befriender services to these seniors, providing emotional support and guidance for both seniors and their caregivers. Dealing with ageing-related challenges can be overwhelming at times, but having a professional counsellor or therapist to talk to can make a significant difference.

Our seniors have benefited from Fei Yue Active Ageing Centres (AAC). An AAC member, Mdm Low has shared her story of how she overcame self-doubt and found a renewed sense of confidence in Fei Yue’s AAC.  

Caregiver Support Groups

While taking on the responsibility of caring for the elderly, the caregiver support groups provide a vital community for individuals navigating the challenges of caregiving. These forums offer a supportive space where caregivers can share experiences, gain insights, and receive practical advice. 

Telecare services

Telecare services are also essential in modern healthcare especially for Singapore’s ageing population. By offering timely medical attention from the comfort of their homes through wearable devices, virtual consultations, and remote monitoring, these services promote independence, improve quality of life, and reduce hospital visits for seniors. 

They enhance patient outcomes, lower healthcare costs, and provide peace of mind to families in emergencies. Telecare services revolutionise healthcare delivery by prioritising efficiency and patient-centred care.

Conclusion


Singapore offers a wide range of support and schemes for the elderly and their caregivers. By tapping into these support systems, seniors can enjoy a better quality of life, while caregivers can find relief from some of the challenges they may face.

Additionally, other support services like Active Ageing Centres provide opportunities for seniors to stay engaged, socialise, and maintain an active lifestyle. These initiatives not only enhance their overall well-being but also contribute to a sense of purpose and fulfilment. If you are looking for more support for seniors and caregivers, Fei Yue Community Services provides a comprehensive suite of programmes and services to help seniors age well, get well, and stay well.

Take a quiz to see if you are familiar with the support and schemes available!

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