Financial Assistance Schemes Part 2: Caregivers & Seniors

Welcome to Irisada‘s blog. We focus on solutions and awareness for families living with differently-abled loved ones so they can live life to the fullest.

Previously on Irisada… 

In Part 1 of our two-parter on financial assistance schemes, we covered schemes targeting children, youth and adults with special needs. Today, Part 2 covers schemes aimed at caregivers and seniors. Caregiving is a difficult task – emotionally and physically demanding – and here at Irisada, we have the deepest respect for all caregivers who keep on keeping on, doing their best to give their loved ones everything they need.  

Photo Credit: Pixabay

For Caregivers of Seniors, Vulnerable Adults or Children 

  1. Caregivers Training Grant (CTG)

What is it?

A $200 annual subsidy for the costs of approved training courses undertaken by caregivers, aimed at helping caregivers gain competence and confidence in caring for loved ones. Approved courses can be found here: https://www.silverpages.sg/caregiving/training

Who is eligible?

Persons in charge of caring for the care recipient, who must be at least 65 years of age, or have a disability certified by a doctor

How to apply?

First, register for an approved course on the AIC calendar. You must then inform the training provider that you wish to apply for the CTG at least 2 weeks before the course starts, in order to obtain the application form!

2. Foreign Domestic Worker Grant

What is it?

A $120 monthly subsidy for the costs of hiring a foreign domestic worker for the purposes of caring for a loved one with a disability. The grant is valid for up to two foreign domestic workers, caring for two different family members. 

Who is eligible?

The care recipient must be the spouse, parent/in law, grandparent/in law, child/in law, grandchild/in law, or sibling/in law of the employer. Further, the monthly per capita household income must be below $2,600, and the foreign domestic worker must attend AIC training for caregiving.

How to apply?

First, send the foreign domestic worker for AIC caregivers’ training. A means testing form must then be submitted to the Ministry of Health. Once means testing is completed, the grant application can be submitted to AIC. 

3. Foreign Domestic Worker Levy Concession

What is it?

The scheme allows employers to pay a lower monthly levy for employment of a foreign domestic worker – $60, instead of $265. Both the grant and the levy concession can be applied simultaneously, however, as with the grant, the levy is only valid for up to two foreign domestic workers, caring for two different family members. 

Who is eligible?

Employers who employ foreign domestic workers to assist with caring for:

  1. A young child (0-16 years)
  2. An aged person (over 65 years)
  3. A person with disabilities

How to apply?

Obtain the appropriate forms from https://www.silverpages.sg/financial-assistance/Foreign%20Domestic%20Worker%20(FDW)%20Levy%20Concession. Mail these, along with supporting documents, to AIC. You will also need to conduct an assessment with a doctor.

4. Special Needs Savings Scheme

What is it?

A savings scheme that allows parents to set aside CPF savings for the long-term care of children with special needs. The nominated child will receive payouts upon the parent’s demise.

Who is eligible?

Singapore citizens or Permanent Residents who are legal guardians of a child with special needs. The parent/guardian must have sufficient balance in their CPF account to meet minimum monthly payout of $250 for a year (ie. minimum balance = $3000), otherwise savings will be disbursed as a lump sum to the nominee. 

The nominee must either require help with at least 1 activity of daily living (bathing, dressing, feeding, toileting, mobility, transferring), or have attended a SPED school.

How to apply?

Send application form and supporting documents to the Special Needs Trust Co.

Photo Credit: Pixabay

For Seniors

  1. Eldershield

What is it?

A long-term care insurance scheme aimed at supporting individuals in the event of severe disability in old age. In the event of a severe disability, monthly cash payouts will be provided – $400/month for up to 6 years.

Who is eligible?

All citizens are automatically covered from age 40, as long as they continue to pay premiums, alongside MediShield.

2. Seniors’ Mobility and Enabling Fund (SMF)

What is it?

Subsidies to support seniors ageing in place, by assisting financially with the purchase of assistive devices or the provision of home care.

Who is eligible?

Seniors who live at home and require assistive or mobility devices to move around, e.g. walking stick, wheelchair. Their monthly per capita household income must be below $1,800.

The subsidy is also applicable to other required objects, such as hospital bed, hearing aid, spectacles, or to home care items such as catheters, adult diapers, wound dressings.

How to apply?

Approach your therapist or social worker at hospital, to start the process. Alternatively, you can independently submit the application form to AIC.

3. Pioneer Generation Disability Assistance Scheme (Pioneer DAS)

What is it?

A grant of $100 per month, which can be used for any expenses.

Who is eligible?

Individuals who were born before 1950, became Singapore citizens before 1987, and who require assistance with at least 3 out of 6 activities of daily living (bathing, dressing, feeding, toileting, mobility, transferring)

How to apply?

Obtain application forms from https://www.silverpages.sg/pioneerDAS. Next, go for a Functional Assessment at a clinic, and send the forms to AIC.

4. Enhancement for Active Seniors (EASE)

What is it?

EASE provides subsidies for home modifications that help to prevent falls, for example, it can be used to install grab bars, anti-slip floors and ramps.

The amount of subsidy depends on the size of HDB flat – see https://www.silverpages.sg/financial-assistance/elderly-and-seniors/Enhancement%20for%20Active%20Seniors%20(EASE) for more details!

Who is eligible?

Singaporean flat owners, with at least one household member over 65 years of age, OR with at least one household member from 60-64 years of age, who requires help with 1 or more activity of daily living (bathing, dressing, feeding, toileting, mobility, transferring)

How to apply?

You can apply online at http://services2.hdb.gov.sg/webapp/BN37AWEASE/BN37PMain.jsp. Alternatively, email hdb@mailbox.hdb.gov.sg

5. Public Assistance Scheme

What is it?

A long-term grant for those permanently unable to work. It can also be used for children’s school fees, and basic living expenses. The scheme also includes free treatment in all polyclinics and government hospitals.

Who is eligible?

Singapore citizens and Permanent Residents who are permanently unable to work due to old age, disability or family circumstances

How to apply?

Visit a Social Service Office for information and help with applying!


It is an encouraging sign that the government is offering the help and support caregivers and seniors need to deal with their challenges. With these schemes in place, we hope that more and more people will be able to draw on these resources! Of course, there are still gaps in the social provisions. If you have a need that hasn’t been covered here, write in to us to let us know what you think should be the next development!

If you missed it, here’s Part 1: Financial Assistance Schemes for Children, Youth and Adults with Special Needs.

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Linette Chan

Linette is a university student interested in social issues and the vision of inclusivity. She writes for Irisada's blog and loves learning from the community.

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