A question worth asking

What happens to the people you love, when you can no longer care for yourself?

Most of us plan for the life we want to live. Very few plan for the day we can no longer live it on our own terms.

Play Video

1 in 2

Singaporeans aged 65+ may develop severe disability

S$2,952

Average monthly long-term care cost

10+ years

Average duration of long-term care needs

S$420K+

Estimated total care cost over 10 years

The reality

Long-term care isn't something that happens to other people.

Singapore is becoming a super-aged society. In 2026, one in five residents are 65 or older. By 2030, that will be one in four. The need for care is not a distant possibility — for many families, it is already here.

32

The age of the youngest known long-term care claimant — just one year after purchasing coverage.

Source: Singlife claims data 2010–2024

50%

Of long-term care claimants receive payouts for more than 10 years. Care is rarely brief.

Source: Singlife claims data 2010–2024

57%

Of Singaporeans underestimate the actual monthly cost of long-term care by S$1,000–S$2,000.

Source: Singlife Long-Term Care Survey 2024

Play Video

The human cost

When care falls on the ones you love.

We rarely talk about what severe disability actually looks like for a family — not for the person diagnosed, but for the spouse, the son or daughter, the sibling who quietly rearranges their entire life around someone else’s needs.

76% of those with long-term care needs end up relying on a single family caregiver. That person typically spends 33 hours a week providing care — the equivalent of a full-time job.

44% of caregivers to loved ones with dementia struggle with their own emotional wellbeing. Many withdraw from social life, from work, from their own futures.

“I didn’t know how to physically take care of someone… For 14 years, my life revolved around my mother’s needs.”

— A caregiver, caring for her mother with dementia from her early 20s.
Source: Singlife Dementia Care Survey 2024

The coverage gap

The government scheme is a foundation. But a gap may remain.

CareShield Life provides a monthly payout for life if you develop severe disability. That is a meaningful safety net. But the numbers tell a clear story about what it covers — and what it does not.

CareShield Life pays

S$662

per month — the current basic payout under the national scheme.

Actual monthly cost

S$2,952

per month — average spend by caregivers on nursing, medicine, home care, transport and daily needs.

Monthly shortfall

S$2,290

per month that falls on personal savings — or your family.

Over 10 years (the average duration of a long-term care claim), that shortfall compounds to over S$420,000 — before inflation. Source: Singlife Long-Term Care Survey 2024 & Singlife claims data 2010–2024.

I'm ready to close the gap

Find out how to close the gap — now.

Explore a long-term care plan designed to top up what the national scheme covers, so the shortfall does not become your family’s burden.

I'd like to understand more first

Speak with a consultant — no commitment.

Have questions about long-term care planning? Leave your details and a consultant will reach out to walk you through your options.

Name*
Contact Number*
Email*


This page is intended for informational purposes only and does not constitute financial advice. Statistics referenced are sourced from the Singlife Long-Term Care Whitepaper 2025 and related surveys. 

© 2026 Financial Alliance Pte Ltd. All rights reserved.