Both PioneerDAS and HCG are moderate disability schemes, while CareShield Life is a long-term care insurance scheme that provides Singapore Citizens and Permanent Residents basic financial protection should an individual become severely disabled. If you are severely disabled and would like to submit a claim for CareShield Life, please arrange for a disability assessment by an MOH-accredited severe disability assessor (www.aic.sg/assessors-list) and submit a claim application to the Agency for Integrated Care (AIC).

Alternatively, if you are staying in a nursing home, you may approach your nursing home for assistance to submit the Resident Assessment Form (RAF) in place of the severe disability assessment.

You will not be able to use the existing Functional Assessment Report (FAR) to make a claim for CareShield Life, as the FAR is used to determine if one needs some assistance, or is fully independent, for each Activity of Daily Living (ADL). It is not intended to capture the degree of assistance required for each ADL. As such, the FAR is not suitable for application to CareShield Life (a severe disability scheme).