If you or your loved one has a disability, whether temporary, partial, or permanent, the cost of living is higher than if you don't have a disability. In fact, a serious disability that requires help with Activities of Daily Living (ADL) can result in a cost of S$15,458-S$17,212 during the first year after an accident. Even hiring an independent caregiver, whose cost ranges from S$15-S$125 per hour, can be financially draining. In all cases, finding ways to save on these costs can help ease your mind by reducing financial stress. 1. Make Sure You Know Which Benefits You're Entitled To If you're a Singaporean citizen or permanent resident with a disability, you could be entitled to cash vouchers, grants, and special programs. One example scheme is the Disabled Persons Scheme, which exempts you from paying for the Certificate of Entitlement (COE) and Additional Registration Fee (ARF) when you buy a...