Three common causal categories 1) illness 2) aging 3) accident — such as bone injury as per CSY

deferment 90D — if qualified at assessment time, Aviva will pay out the 3M amount as warehoused.

— Assessment — https://www.moh.gov.sg/careshieldlife/claims describes the details.

See the blogpost introducing the trap of high Pr(hit) but low Pr(payout)

ElderShield is designed for long-term nursing cost. If you are wheelchair bound but with sufficient upper-body strength, and you obviously can perform most ADLs then you won’t need full time care or ElderShield payout.

Qualifying for a ADL means you need a human helper. If you can use an equipment (like wheelchair) to help you perform an ADL then you don’t qualify.

I feel accidents seldom result in a disability severe enough. Accidental TPD is headline item, well-publicized, well-understood. Analogy — wind power is tiny contributor but the poster child of the broader renewable energy industry.

Barthel index .. an international standard of assessment, but MOH standard may not be 100% identical. https://www.physio-pedia.com/Barthel_Index has lots of details.

Q: what if I have difficulty performing the 6 ADLs? Grey area
%%A: No one knows except the assessor. It’s up to the individual assessor, but I guess it’s EITHER visibly-hard (like impossible) OR visibly-capable. If the old man has great difficulty, then he can easily act up and demonstrate that he is unable to take care of himself and needs a nurse. In theory, there is a grey area between visibly-hard and visibly-capable. Some assessor may see that grey area as very narrow or non-existent i.e. black-n-white.

Analogy .. Yoga personal lesson .. “I don’t believe you can improve my enough. How about this. If after 12M I still can’t touch my chest to my thigh and you can verify I’m not faking, then partial refund?”

Colin said “If you still can work then most likely you can’t claim.” This implies that the assessor would look at your ability to perform your (trained) job duty.

Joshua Yap (DBS) said if you demonstrate that you can’t recover to work in your occupation, then assessor would generally approve you.

Out of 100 claims (successful or not) in ElderShield and MyCare, 67% of the claims were made before age 55 .. surprising statistics.

• Scenario E: during my earning years, disaster is less likely to kill me within 12 years => Need lifetime payout.
• .. assessor is more likely to acknowledge (and confirm) the inability to work in my trained vocation — only during my earning years. It’s important to be still employed as a developer at old age !
• .. I’m more likely (than Scenario R) to recover after a few years
• Scenario R: during my retirement years (70+ for me), disaster is more likely to be destructive. Assessor is more sympathetic, and the retiree can more easily act up to get an approval.

On 26 Dec 2019 a Healthway doctor told me that age is not a factor, but I believe in the grey area age can affect the sympathy level.