We all wish to live and age well, and nobody desires to be disabled or dependent. You could have your life perfectly planned and yet be completely blindsided by tragedy (the 3 D’s – death, disease, and divorce – are cruel and notoriously common). And this is why we have government social safety nets. But when tragedy strikes, it’s hard to know where to start. With different schemes spanning different ministries and agencies, it can be quite daunting. So this is another attempt to help simplify the various schemes:

Government Policies Relating to Social Safety Nets:

These are based on the People’s Association Booklet: Ask Kopi Kakis – Government Policies Made Simple. You can download the full guide, along with guides for other topics, in all 4 languages here.

For Health Assistance

www.chas.sg (clinic services) and www.moh.gov.sg/chas (dental subsidies)

Policy & How to QualifyBenefits & Limits
CHAS (Community Health Assist Scheme) Blue Card - Singapore Citizens can receive subsidies for medical and dental care at participating GPs and dental clinics. To qualify for CHAS Blue, the household monthly income per person must be ≤$1100. For households with no income, the annual value of the home must be ≤$13,000.

• Up to $18.50 subsidy per visit for "common illnesses" (e.g., cough and cold)
• Up to $80 subsidy per visit for "select simple chronic conditions", capped at $320 per year
• Up to $120 subsidy per visit for "select complex chronic conditions", capped at $480 per year
• Up to $256.50 subsidy per dental procedure
• Free health screening with Health Promotion Board
• Up to $18.50 subsidy for health screenings otherwise, capped at 2 screenings per year
CHAS (Community Health Assist Scheme) Orange Card - To qualify for CHAS Orange, the household monthly income per person is between $1101 to $1800. For households with no income, the annual value of the home is between $13,001 and $21,000.
• Up to $50 subsidy per visit for "select simple chronic conditions", capped at $200 per year
• Up to $75 subsidy per visit for "select complex chronic conditions", capped at $300 per year
• Up to $170.50 subsidy per select dental procedure
• Free health screening with Health Promotion Board
• Up to $18.50 subsidy for health screenings otherwise, capped at 2 screenings per year
CHAS (Community Health Assist Scheme) for Pioneer Generation - All Pioneers receive CHAS benefits, regardless of income and home value. • Up to $28.50 subsidy per visit for "common illnesses" (e.g., cough and cold)
• Up to $90 subsidy per visit for "select simple chronic conditions", capped at $360 per year
• Up to $135 subsidy per visit for "select complex chronic conditions", capped at $540 per year
• Up to $266.50 subsidy per select dental procedure
• Free health screening with Health Promotion Board
• Up to $28.50 subsidy for health screenings otherwise, capped at 2 screenings per year
You may also qualify for other forms of assistance, such as free medical treatment in polyclinics and government/restructured hospitals.

For Financial Assistance

www.gstvoucher.gov.sg and www.comcare.sg

Policy & How to QualifyBenefits & Limits
GST Voucher - Cash and Cash Special Payment* - Provide eligible lower-income Singaporeans with cash for their immediate needs.


• Receive $150 or $300 depending on your annual income and the value of your home.
• In 2017, recipients of the GST Voucher - Cash will also receive a one-off GST Voucher - Cash Special Payment of $100 or $200.
GST Voucher – U-Save - Provides HDB households with a rebate to help offset utility bills. • From $220 to $380, depending on flat type
ComCare Urgent Financial Assistance - For those requiring urgent and immediate help for <3 months who have a monthly household income ≤$1900, or per capita household income ≤$650.• Cash, vouchers and/or food rations
ComCare Short-to-Medium Term Assistance - Assistance for households looking for work, or temporarily unable to work due to illness or having to care for children, elderly or other dependents, with a monthly household income ≤$1900, or per capita household income ≤$650.• Cash, vouchers and/or food rations
ComCare Long Term Assistance* - Long-term monthly cash assistance for those who are permanently unable to work due to illness, old age or disability, have little or no means of income and little or no family support.
• $500 for 1 eligible person
• $870 for 2 eligible person
• $1130 for 3 eligible person
• $1450 for 4 eligible person
• $150 additional per child
* These are NEW or NEWLY enhanced schemes

For Disability & Caregiving Assistance

www.sgenable.sg and www.msf.gov.sg

Policy & How to QualifyBenefits & Limits
Public Transport Concession For Persons with Disabilities - For persons with permanent disabilities.


• A 25% discount on adult public transport fares
• Eligible for a $60 Monthly Concession Pass for unlimited bus and train rides.
www.transitlink.com.sg
VWO Transport Subsidy for Persons with Disabilities* - Persons with Disabilities (PwDs) may apply for dedicated transport to Special Education (SPED) schools or MSF-funded disability care services.• Up to 80% subsidies for the cost of dedicated transport
Taxi Subsidy Scheme* - PwDs may apply for shared transport to travel to work or school.
• Up to 50% subsidies to cover the cost of shared transport
Assistive Technology Fund - Subsidies to acquire, replace, upgrade or repair necessary assistive technology equipment and accessories (e.g. wheelchairs, hearing aids, etc). • Up to 90% subsidy of the cost of required assistive technology devices, with a lifetime cap of $40,000
Intermediate and Long Term Care (ILTC) Services* - For adults with disabilities requiring social care over a long period of time from MSF-funded services such as Day Activity Centres or Adult Disability Homes.
• Amount of subsidies is dependent on household per capita monthly income or annual value of home.
Day Activity Centre* - Supports caregivers who work during the day. Short-term care is also available to give respite to caregivers.• Full-day care and community living skills training for persons with disabilities.
Drop in Disability Programme* - Gives respite to caregivers.• Up to 9 hours a week of social and recreational activities for adults with disabilities
Caregivers Training Grant (CTG) - Helps caregivers build capabilities so that they are able to better care for the physical and socio-emotional needs of PwDs and the elderly.• Grant to defray cost of attending care & management training for PwDs
www.aic.sg
Foreign Domestic Worker Levy Concession - For families who hire a foreign domestic worker to care for a family members with a disability (children/grandchildren ≤age 16, or family age 65 and above).• A concessionary levy rate of $60 per month
Foreign Domestic Worker Grant* - For families who hire a foreign domestic worker to care for their family members requiring permanent assistance with at least 3 Activities of Daily Living (ADLs).• $120 monthly cash payment
* These are NEW or NEWLY enhanced schemes. Visit www.msf.gov.sg for more info on assistance with employment & skills training, trust & savings, and education & learning support for Persons with Disabilities. There are also several ongoing Pilot Projects that are not listed in this article.

Look out for future simplified articles which will focus on other Government Policies, including Housing, Income Tax Relief, and Family Benefits. 🙂

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