Are you eligible for a Home Caregiving Grant? What’s the monthly household income you need to have to qualify?
If you have tons of questions about the Home Caregiving Grant, caregiver support services, HCG application form, financial assistance, and the like, read on. This article will try the answers to these questions and more.
Defining Home Caregiving Grant
Home Caregiving Grant HCG enables an eligible Singapore permanent resident a S$200 monthly cash payout. This grant was introduced on October 2019 as a replacement for the Foreign Domestic Worker or FDW Grant.
The Ministry of Health developed it as part of its Caregiver Support Action Plan. As a recipient, you can use the $$200 monthly cash payout to shoulder part of the costs or offset the costs of providing care for seniors.
It enables lower-income families to afford to hire foreign domestic workers. It also increases the options of family caregivers in terms of respite care services.
What Makes You Qualified for the Home Caregiving Grant HCG?
Here are the qualifications required to obtain Home Caregiving Grant:
- The care recipients must have at least a permanent moderate disability, proving they need help with three or more ADLs or activities of daily living activities.
- The care recipient is not living in a residential long-term nursing home or institution but in a proper place of residence in Singapore.
- The care recipient’s household must have an annual value of S$13000 or less, or S$2800 and below monthly per capita income.
- The care recipient is a Singaporean citizen or a permanent resident of the country.
All About Permanent Moderate Disabilities
What makes care recipients categorized as having permanent moderate disabilities? A care recipient qualifies for the category if they are unable to perform at least three ADLs unassisted.
ADLs pertain to activities of daily living, which comprise the following criteria:
A care recipient can’t move, walk, stand, or sit on their own from one point to another, even on level surfaces.
A care recipient can’t go to the toilet or use and clean themselves after. It also means they can’t put on or take off their diapers and undergarments on their own.
Aside from issues with functional mobility, a care recipient can’t go to and from a wheelchair to a chair or from a sofa to the bed, and vice versa.
A care recipient cannot eat on their own even when others have prepared the food.
A care recipient can put on or take off their dress and undergarments. They can’t also handle unfastening or securing surgical and medical appliances, such as braces and artificial limbs.
A care recipient can’t bathe or shower on their own and can’t move in and out of the shower unassisted.
Foreign Domestic Worker FDW Grant and Home Caregiving Grant – How Do They Differ?
The two grants, FDW Grant and HCG Grant are similar in two ways – ADL assistance and means-testing assessment.
- ADLs Assistance
Both grants require the care recipient to need assistance with at least three activities of daily living.
- Means-Testing Assessment
When you are mean-tested as an FDW employer, your financial information is assessed to check whether you are qualified. This makes it easier to perform eligibility checks and helps families with a minimal monthly payout obtain more subsidies.
FDW Grant and HCG Grant look into the annual value of a property when going through household information and the functional assessment report.
To qualify, the family must have S$2800 or less in monthly income, or S$13000 or less if they don’t have any income source.
The differences between the two vary in terms of monthly payout, qualification criteria, and expenses covered.
- Monthly Payout
HCG has a S$200 monthly payout, while the FDW grant is used to provide a S$120 cash payout every month.
- Qualification Criteria
The FDW Grant had stricter qualifications, including the following:
- An FDW employer must be a citizen of Singapore providing care services to a permanent resident of the country aged 65 and up.
- Care recipients must have Singaporean citizenship.
- Before they can begin working, FDWs must undergo Caregiving Training Courses that are AIC-approved.
With the HCG Grant, the criteria are not that strict, except that the care recipient cannot live in a care institution, e.g., a nursing home. You can qualify for the grant as long as you are a permanent resident or citizen of Singapore with a Singaporean parent, child, or spouse.
- Expenses Covered
Since the previous grant focused on assisting with the expenses incurred from hiring a foreign domestic worker, the HCG has broader coverage.
HCG includes a transpo allowance for medical appointments, caregiver support services in the community, senior care services, and home care services.
How to Apply for the Home Caregiving Grant
Here are the steps to follow to get assessed and means-tested for the HCG Grant:
- Obtain HCG application documents and fill up the forms
Call the AIC hotline and go to its website to download the Long Term Care Schemes Guide & Application Form. Carefully read everything before filling up the application.
- Input your household information
You can check it at the MOH Household Check Website. If you previously opted out of sharing with MOH your financial information, you can allow the feature to obtain the details you need.
- Go through a disability assessment
This is required to get a Functional Assessment Report (FAR). Visit your care provider or local clinic to undergo a disability assessment. This will check your needs for ADLs assistance and mental capacity.
- Submit the completed application to AIC
Check that all application documents are complete before submitting all forms to AIC.
Once done, you will get an email from AIC about your application and assessment results. This can take up to a month due to the company’s high volume of applications.
Successful applicants will get S$200 in their nominated bank account every month.
With grants such as HCG, it has become more affordable to provide quality care to a family member in need without getting troubled by the caregiving costs. The benefits offset the costs of caregiver support services and other expenses incurred when caring for persons with severe disabilities.
At Redcrowns Caregivers, we will guide you each step of the way. We will explain everything you need to know about the caregiving grant when you choose us as your caregiving services partner.