Total Permanent Disability benefit will only be payable when your condition fulfils the criteria stated in your policy document. Nominee is 21 years & above - we pay to the nominee, Nominee is below 21 years - we pay to the trustee, Nominee is 18 years old & above - we pay to the nominee. NRIC or relevant identification documents (e.g. How will the death claim proceeds be paid? The scheme is extended to CPF members who are Singapore citizens or Permanent Residents, between age 16 and 60, when they make their NTUC Income will be launching their limited tranche short term endowment plan Capital Plus (CPN35) on 6th June 2018. Great Eastern Life or NTUC Income). So if you’re insured under NTUC Income you will need to make a new DPS nomination when you’re moved over. Hence, your CPF nomination does not apply to the distribution of DPS claim benefits. Great Eastern Life and NTUC Income were appointed to merely administer the scheme and abide by the terms and conditions laid down by the Government. Please complete and sign the Letter of Undertaking and Indemnity found in the claim form. What criteria will I need to meet in order to claim for ElderShield, ElderShield Supplements and Care Secure? passports, birth certificates), Proof of claimant’s relationship with deceased individual, Newspaper clipping and police report (for deaths due to accidental or violent causes), Nominee is 21 years old & above - we pay to the nominee. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing. A proper NTUC Income Insurance Cooperative Ltd You can nominate your nominees under the new Nomination Framework under the For all overseas claims, you are required to submit/follow up with the original notarised documents. DPS claim benefits do not form part of the CPF proceeds. Download and complete the claim form before bringing it for the appointment. ElderShield covers you for disability. Trustee who is not the policy owner can receive on behalf of all nominees. DPS claim benefits do not form part of the CPF proceeds. Tell us what type of claim you need to make Get in touch with us. Nomination made under the Co-operative Societies Act (CSA) – Cannot be superseded by the contents of a will. Currently, DPS is administered by two insurers, Great Eastern Life and NTUC Income. We would then request for a certified true copy of the Grant of Probate or the Grant of Letters of Administration before releasing the claim proceeds to the deceased's estate. Register today! spouse, parent, child or sibling). on behalf of nominee. The 90 days deferment period is one of the requirements stated in the policy contract. In case you are unsure on who is your insurer or whether you are covered, you may find out here: Login to my CPF Online Services. Dependants' Protection Scheme (DPS) Term Life Insurance Affordable term-life insurance that automatically covers all Singapore Citizens and Permanent … ElderShield is an insurance scheme introduced by the MOH to provide financial help to those who are unable to take care of themselves because of severe disabilities. You can nominate your nominees under the new Nomination Framework under the . You must be the insured individual’s nominee or closest next-of-kin. We will then pay the balance amount to the deceased’s estate upon receiving a certified true copy of the Grant. Yes, you may be required to go to our panel assessor for periodic examination. He will receive insurance proceeds What is the DPS claim criteria? What is the difference between ElderShield, ElderShield Supplements and Care Secure? Yes, they can be paid to your caregiver. What if I have made both a nomination and a will? The nomination that you have previously made for your Central Provident Fund savings will not apply for your policy. I opted out of DPS because we use OA to pay for it, and my OA is losing 3.5% interest on the monies used to pay the premiums. We understand that this is a difficult time. If you have made a nomination, we will pay one lump sum to the recipient as shown in the table below. What does Total Permanent Disability mean under Dependents’ Protection Scheme (DPS)? receive on behalf of the nominee. If you mean, can you claim it with other insurance policies, yes you can. If the deceased did not leave behind a Will (i.e. No, you are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. Family members are unable to furnish documentary evidence to prove their relations with the deceased. We will bear the cost of such periodic reviews. Total Permanent Disability refers to (i) the inability to take part in any employment permanently or (ii) the total permanent loss of physical function of any of the following: Download Medical/Accident/Living/TPD claim form, Download ElderShield / ElderShield Supplement / Care Secure claim form, Download Attending Medical Practitioner's Statement, Download Income Family Micro-Insurance Scheme (IFMIS) TPD / COVID-19 claim form, Download Dependant Booster Benefit claim form (for Family Protect policy). Download and complete the claim form before bringing it for the appointment. How to make a claim To submit a claim, you must fill in an online form and submit it to Income. Here's what retirement adviser Providend found out after comparing DPS premiums with those of NTUC Income's iTerm plan, which offers sums … A DPS claim can be made when a policyholder passes away or is certified to be suffering from terminal illness or total permanent disability. I already have my private insurance policies in place so I feel I can save some money there and grow that premiums used instead. Prepare the required documents and complete the claim form. Hence, no claim will be payable should death occur. NTUC Income PA Assurance Review 2020 NTUC Income PA Assurance is a personal accident insurance that offers 4 tiers of plan, for different amount of sums insured from a basic S$100,000 to S$1,000,000 for accidental death. Dependants’ Protection Scheme (DPS): 5 Common Questions That You May Have About This Opt-Out CPF Term Insurance Scheme Aside from the Home Protection Scheme (HPS), the Dependant’ Protection Scheme (DPS) is the only other life insurance plan in Singapore that allows you to use your CPF monies to pay for your insurance premiums. That is why we are committed to keeping the claim process as swift and convenient as we can. Death claim proceeds will be paid based on your nomination. To receive payments as quickly as possible, opt for Direct Crediting under the Payment section in the claim form. TL;DR: Dependants’ Protection Scheme (DPS) Is the "Proper Claimant" entitled to the claim proceeds like the nominated beneficiary? We suggest waiting for your condition to stabilise before considering filing a claim if your current condition is unstable. When Personal Insurance Corporate Solutions Careers About Us DPS Life Hacks Quick Links COVID-19 Support Health Connect Submit a claim … Can my monthly benefit payments be made to my caregiver? Otherwise, payment can be made to Total Permanent Disability is not about the difficulty of finding a job or whether a person is currently employed. This can be done either directly on the STACK app or by logging into their website here . If the deceased had left behind a Will, the representative will be the Executor appointed in the Will. passports, birth certificates), Medical reports, investigations reports, laboratory reports and hospital discharge summary, Termination letter from last employer or CPF statement showing last employment contribution, Statement from CPF Board showing CPF contributions for the past 15 months. Your ElderShield policy will be terminated upon death and there will also be no refund of premiums. If I am hospitalised for an injury or an acute condition, can I claim under Total Permanent Disability? Please ensure that all requirements for claim submission stated in our website are completed before submission to avoid unnecessary delay. Think of DPS as your backup plan — if something happens and you're not able to pay your private life insurance premiums, at least you're still covered for $70,000 under DPS. If I can now perform the Activities of Daily Living which I was unable to do previously after my treatment, do I need to inform Income? We encourage you to make a nomination. No, it is not a requirement for you to be confined to an institution for the benefit to be paid out. After the medical assessment is done, the assessor will then return the assessment report together with the completed claim form to Income for processing. For such cases, we will keep you informed. The Proper Claimant can also be the executor of a will or the administrator of the deceased’s estate. We are committed to keeping our claim process as swift and convenient as we can so you can focus fully on getting better. The DPS scheme is currently run by either NTUC and Great Eastern Life (GE). From its modest benefits to the new bumper changes setting in from 1 April 2021 onwards. It depends on the type of nomination that you have made. For details on CareShield Life, please refer to the relevant website of the Ministry of Health. We will review your case and inform you of the outcome. Those insured under NTUC Income will need to make a new DPS nomination. It usually takes 14 working days to process your claim once all documents are received. where a beneficiary referred to in sub-paragraph (c) is not an individual, the following particulars of the beneficiary: the Singapore unique entity number of the beneficiary or, if the beneficiary does not have such a number, any other official registration number which identifies and is unique to the entity; and. If I have nominated a beneficiary for my Central Provident Fund savings, will the nomination apply for my policy? If I have both ElderShield & an ElderShield Supplement, can I claim from both if I become severely disabled? 21 years old & above. The DPS is an opt-out term life insurance policy that provides all eligible CPF members with a sum assured of $46,000. However, you should understand that hospitals may take up to eight weeks to respond to our request. a) Terminal illness refers to an illness that is likely to result in the death of the member within 12 months What will Income do if it is difficult to decide the Proper Claimant? Otherwise, payment can be made to each nominee who is What if my next-of-kin is unable to provide the documents needed for proof of relationship? If you are unable to work permanently, find out how you can make a claim. 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