SINGAPORE – For Madam Sundrampillai Indrani, 68, getting $600 a month in payouts from CareShield Life came as a vast relief. The part-time healthcare worker has been struggling to care for her son, Mr Gideon Joseph, 33, who has had cerebral palsy from birth.
In spite of his obvious disabilities, Mr Joseph almost fell through the cracks in the system. That was because Madam Indrani was not aware of the scheme, or that he qualifies for the long-term disability insurance.it was made mandatory for all residents aged 30-40, and in future for younger cohorts when they turn 30. All of them are included in the scheme regardless of their health status.
She started receiving $624 a month from September last year – 23 months after he could have begun getting payouts. Instead, he continued paying premiums through his and his mother’s MediSave accounts. But expenses for Mr Joseph are high. He is unable to pass urine so a catheter needs to be inserted at least twice a day. But because of leaks, he also needs diapers. His skin is sensitive, and requires Eucerin soap which helps with allergies. These cost her about $400 a month.He also needs medication from the polyclinic every six months, including for diabetes and fits. Once Madam Indrani’s annual MediSave cap for outpatient treatment is reached, the rest has to be paid for in cash.
As the start date of the payout is now 2020, the monthly amount he gets was adjusted to $600. Although CareShield Life payouts have gone up every year, the amount a recipient gets is fixed at the amount of the first payout.
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