Pioneer Generation Disability Assistance Scheme (PioneerDAS) and Home Caregiving Grant (HCG) are moderate disability schemes, which support individuals who require some assistance with three or more Activities of Daily Living. 

 

In contrast, CareShield Life and ElderShield are severe disability schemes that require individuals to be unable to perform three or more Activities of Daily Living (i.e. they must require significant assistance) in order to be eligible for a claim.  

 

As the eligibility criteria for CareShield Life and ElderShield are more stringent, an assessment by a MOH-accredited severe disability assessor is required to determine if an individual qualifies for these claims.