Singapore’s ageing population has been a cause of national alarm for quite a while. Yet the question of what we must do for our elderly – our grandparents, parents and older relatives – gets no easier. Should we leave old folks at home in the care of a maid? Place them in an old folks home or nursing home (and face the judgment of our peers)? What else can we do in order to better look after older people and meet their changing needs?
Exactly how bad will be the ageing population in Singapore? Singapore’s population is ageing fast. By 2030, 1 in 4 people here will likely be past retirement age. That’ll ensure it is nearly a million people, that is almost the twice the current elderly population. Simultaneously, life span is anticipated to increase. To not be crude regarding it, but this means the big population of seniors will be around for a longer time than in the past. So it’s important on the national level to consider how to look after them.
This year, the federal government announced JB nursing home, a compulsory national long term care insurance, which will replace ElderShield in 2020. It’s designed to provide for people who have severe disabilities and will pay for their basic needs for the rest of their life. But that’s the financial part. But how about the care itself? Your elderly care options will depend on just how much medical support is needed.
Daycare for the elderly – for healthy seniors. For elderly folks who are mobile and healthy, but simply bored of watching the usual dramas on Channel 8, you will find daycare centres for them to connect with their peers and take part in activities that keep them occupied and alert. Cost: There’s a big range as it depends on the type of activity. Many organised by SACs by AIC cost nothing, while enrolling in a privately run activity centre may cost from $250 to $1,200/month.
Healthcare centres – for seniors who need a little medical care. Many seniors have some kind of health issue or some other. If they do not require constant attention but merely some type of rehabilitation, these are places where sick or disabled seniors can spend the day or a few hours for medical treatment. The government has subsidies for centre-based healthcare for your elderly. Contained in this category are: day rehabilitation centres, dementia daycare centres, psychiatric daycare centres and rehabilitation homes. Cost: You happen to be charged per session of therapy or rehabilitation. Fees range between $6 to $160 per session before subsidies.
Hiring domestic help – for healthy seniors who require company. Should your elderly family member is fairly healthy and values his personal space, a domestic helper is a good option. Some helpers are generally medically trained or have experience caring for seniors.
You are able to tap on several government assistance schemes to cover the FDW you hire for such purposes: FDW Grant and FDW Levy Concession. These basically cap your monthly costs in a manageable amount.
There’s another Caregivers Training Grant of $200 per year, which you can use to deliver your helper for courses to teach her to improve care of seniors. The trainer can even come to your house to conduct classes. For further independent seniors who don’t require round-the-clock care or supervision, consider employing a part time caregiver instead. Cost: A live-in helper generally costs $600 to $850/month before subsidies and grants. A part-time caregiver costs $20 to $25/hour.
Live-in nurse – for seniors who want constant medical care. In case your elderly relative requires a greater amount of care, you might want to think about a nurse, aide or trained caregiver instead of (or in addition to) an ordinary helper. Nurses and nurse aides have medical training, while trained caregivers watch over their charges 24/7, helping all of them with personal care, meals and medication. That’s unlike domestic helpers, whose core duties tend to be more on household tasks.
Additionally, there are several government schemes to help pay for this, including subsidies for home-based care. For disabled seniors, there’s Eldershield and the Pioneer Disability Assistance Scheme. You can even get subsidies to buy assistive devices, home healthcare items or transport to bring seniors to day services at MOH-funded facilities from the Senior Mobility and Enabling Fund. Cost: $600 to $one thousand/month before subsidies
Nursing facilities a.k.a. old folks’ homes – for constant health care. Finally, nursing homes or old folks’ home are typically a last recourse for Singaporeans. Sending your in accordance with a property is not really an easy or pleasant decision since the majority of don’t wish to live out their last days like that. It’s also more costly compared to a live-in helper. Often, those who go for this have zero choice as the elderly that are ill or disabled and require 24/7 care the family cannot provide.
There are several 70 nursing homes in Singapore. Some are actually simply a bed and medical care, and also have given old folks homes the not so good rep it offers. But you can find homes who have a far more holistic care strategy, with activities iupstd stimulate the body and mind, including NTUC Health An Elderly Care Facility, ECON An Elderly Care Facility and Orange Valley. Typically they cost $1,200 to $3,500/month.
On the top quality of the spectrum, there’s St. Bernadette Lifestyle Village where residents live independently and obtain to an alternative worth considering, activities and games, while having easy access to medical care using the 24-hour medical concierge. It costs an excellent $3,650/month. At MOH-run public nursing facilities and Medifund accredited private homes, it is possible to offset the costs with government subsidies for residential services.