It might be the year-end festive period where surprises are aplenty but here is one surprise that Heartland Boy would gladly do without. Something came to his attention recently that gave him a rude shock- his siblings informed him that their mother has been paying for 2 ElderShield Supplements for nearly a year! This annoyed him slightly because he remembered that the children took care of mum’s ElderShield coverage a couple of years ago. Here is his story of how his mum ended up with 2 ElderShield Supplements and what the family did after an internal review.

Introduced in 2002 by the government, ElderShield is a basic long-term care insurance scheme targeted at severe disability specifically during old age. (Source: Ministry of Health, Singapore) Severe disability refers to the inability of an individual to perform 3 or more Activities of Daily Living (‘ADL’)