Reference
This page describes structure, not acting amounts. Monthly payouts, subsidy percentages, grant quanta and item caps are reset by the administering agencies. Any S$ figure you rely on must be confirmed in the official source for the scheme and the year you are in. Hypothetical arithmetic below is labelled as such and is not a quote of current law.
Do not treat numbers on this page as live payouts or live subsidy percentages. Sgbenefitsinfohub is an independent reference desk. It is not a government agency, insurer or broker, and it does not set or pay any quantum.
A fixed or stepped monthly amount paid to an approved payee while the scheme’s conditions hold. CareShield Life, ElderShield, IDAPE, MediSave Care and the Home Caregiving Grant all use this shape, with different duration and funding sources.
The provider’s invoice is unchanged by this credit. The household still has to pay the co-payment on any service it uses, unless a separate subsidy is loaded on that service.
A percentage or tier applied by an approved provider to an approved service. The family sees a co-payment. Nothing is credited to a personal bank account as a substitute for that discount.
Home care, centre-based care and residential care each have their own tables. A band that is generous in one setting can look different in another.
The household or vendor pays, or commits to an item, and a claim is lodged against an approved list. SMF components often work this way. An annual cap or a per-item cap limits what can still be claimed.
Once the cap is used, further items wait for the next cap period or are paid in full. The functional status of the senior does not reset the cap on its own.
A single offset against a named course, device or home modification. The Caregivers Training Grant and home adaptation support use this shape. There is no monthly remainder after the item is done.
The grant dies with the item or the cap. It does not convert into a CareShield Life top-up.
The column “Basis of quantum” is the thing to look up in the official source. It tells you whether you are hunting for a fixed monthly amount, a means-test table, or a percentage of an approved cost.
| Scheme | Support type | Basis of quantum | Duration / cap | Where quantum is published |
|---|---|---|---|---|
| CareShield Life | Monthly cash | Fixed monthly amount set by the scheme, with stated step-ups for later cohorts | While severe disability continues (lifetime design) | MOH / CPF Board CareShield Life materials |
| ElderShield | Monthly cash | Fixed monthly amount set by the product (300 / 400 / supplement) | Capped number of months | Appointed insurer and national ElderShield pages |
| MediSave Care | Monthly withdrawal | Fixed monthly withdrawal up to the scheme cap, limited by account balance | While clinical eligibility and balance both hold | CPF Board MediSave Care page |
| Home Caregiving Grant | Monthly cash grant | Tiered by household means-test band | While grant conditions and living arrangement hold | Agency page for the Home Caregiving Grant |
| LTC subsidies (home) | Bill-level subsidy | Tiered by household means-test band for home-care services | Each bill; outcome valid for a stated period | AIC / MOH long-term care subsidy tables |
| LTC subsidies (centre) | Bill-level subsidy | Tiered by household means-test band for centre-based services | Each bill; outcome valid for a stated period | AIC / MOH long-term care subsidy tables |
| LTC subsidies (residential) | Bill-level subsidy | Tiered by household means-test band for nursing-home fees | Each bill; outcome valid for a stated period | AIC / MOH residential-care subsidy tables |
| SMF | Item subsidy / reimbursement | Percentage of an approved item cost up to an annual or per-item cap | Cap per component and period | SMF approved-item lists and cap notices |
| IDAPE | Monthly cash | Amount set by the programme, subject to means test | Programme review rules | IDAPE page of the administering agency |
| Caregivers Training Grant | Fee offset | Up to a stated cap per caregiver for approved courses | Cap per period as published | CTG page and approved-course list |
| Home adaptation | Funded works / items | Programme list of modifications, sometimes with a household contribution | Per application / per dwelling rules | Housing agency or programme administrator |
No live S$ amounts are listed. Look up the current table in the source named in the last column.
Illustrative only. Household B has a current means-test outcome in a middle band and uses an approved home personal care service. The provider’s gross bill for a month is a round figure used here as arithmetic, not as a market rate.
Take an illustrative gross bill of S$1,000 for the month. The middle-band subsidy is a percentage taken from the official home-care table for that year. If that table said, illustratively, 40 percent, the subsidy applied on the bill would be S$400 and the co-payment would be S$600. If the table said 70 percent, the co-payment would be S$300. The correct percentage is the one on the table, not the one in this paragraph.
The co-payment is what other schemes might be asked to meet. A CareShield Life payout, if in force, is cash to a payee. It can be used by the household at its discretion; it is not automatically credited to this provider. MediSave rules for certain care services are a separate instrument. The Home Caregiving Grant, if in force, is also cash, not a second line on this invoice.
What the family should ask the provider is: which band is loaded, which table (home, centre, residential) was used, and whether the S$1,000 is the gross before subsidy. Mixing a residential-care percentage with a home-care invoice is a common error when people quote a relative’s “rate”.
Illustrative
Gross bill → subsidy tier from the official table for that service → co-payment → optional other schemes that may help the household cash-flow the co-payment.
None of those later schemes overwrite the invoice unless they are themselves bill-level instruments with this provider. Insurance cash is not a subsidy tier.
If the means-test outcome later moves a band, the same gross bill produces a different co-payment. That is why refresh dates belong next to the standing order, not in a drawer.
A change in the means-test band is the first driver for grants and subsidies. A new wage, a member leaving, a member returning, or a fresh AV can move the household. The cash payouts that are not means-tested (CareShield Life, ElderShield, MediSave Care) do not move with PCHI. Families sometimes expect a higher CareShield Life amount after a drop in income. That is not how the insurance is built.
A change in functional status is the second driver for the clinical schemes. Re-assessment that no longer finds three ADLs can stop a payout. A worsening that is already above the threshold does not, by itself, increase CareShield Life. The amount is set by the scheme, not by a fourth or fifth ADL.
Exhaustion of an annual cap is the third driver for SMF and the training grant. The clinical picture can be unchanged and the next wheelchair cushion still sits outside the cap. Check remaining cap before the quotation, not after the item has been ordered.
A change of service type is the fourth. Home personal care, a day centre, and a nursing home read the same household outcome against different tables. Moving the care recipient from home to residential care can also end the Home Caregiving Grant while opening a residential subsidy. Budget the setting you are actually entering.
Quantum tables are published by the ministries, statutory boards and appointed insurers that administer each scheme. This page was reviewed in September 2026 and records structure only. If a table has been replaced since that review, the new table is the one that applies.