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What you need to know
For claims on TPD benefit, your claim should be made after fulfilling at least 6 months of continuous disability from the disability date. For other disability claims, your claim should be made as soon as possible.
It usually takes 14 working days to process your claim once all documents are received. For claims which require further clarification, we will need more time to process your claim. For such cases, we will keep you informed.
Caregivers looking to claim on behalf of a policyholder can find out more about the process through the infographic below.
Prepare the required documents and complete the claim form
For Dependants' Protection Scheme, if date of Total Permanent Disability (TPD) is before 01 Apr 2021, please submit your claim to us directly. If date of TPD is on/after 01 Apr 2021 or if you do not know the date of TPD, please submit your claim to Great Eastern Life. You can refer to the FAQs for more information.
- Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
- Medical reports, investigations reports, laboratory reports and hospital discharge summary
- Medically boarded out letter, if any
- Newspaper clipping and police/accident report, if applicable
- Termination letter from last employer or CPF statement showing last employment contribution
- Statement from CPF Board showing CPF contributions for the past 15 months
- Passport/Travel documents showing departure dates from Singapore and entrance dates to other country outside of Singapore for the last 24 months (to be provided if illness/injury is diagnosed or treated overseas)
- NRIC or relevant identification documents (e.g. FIN card, passports) of claimant
Book an appointment with one of the appointed assessors for a disability assessment. Please bring along your medical records, inpatient discharge summary and medicine (if any). You may be required to pay a fee for the assessment.
To claim under this policy, you must be unable to perform three1 or more of the following Activities of Daily Living (ADLs):
• Washing
The ability to wash in the bath or shower (including getting into and out of the bath or shower) or wash by other means.
• Dressing
The ability to put on, take off, secure and unfasten all garments and, as appropriate, any braces, artificial limbs or other surgical or medical appliances.
• Feeding
The ability to feed oneself food after it has been prepared and made available.
• Toileting
The ability to use the lavatory or manage bowel and bladder function through the use of protective undergarments or surgical appliances if appropriate.
• Mobility
The ability to move indoors from room to room on level surfaces.
• Transferring
The ability to move from a bed to an upright chair or wheelchair, and vice versa.
Footnote:
1 Varies based on the benefits under your policy.
- Medical records and inpatient discharge summary
- NRIC or relevant identification documents (e.g. FIN card, passport) of policyholder, payee and/or caregiver
- Proof of relationship, if claiming on dependant care benefit
| Relationship to Policyholder | Document(s) required |
| Child (below age 21) |
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| Spouse |
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| Parent |
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| Parent-in-law |
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- Attending Medical Practitioner's Statement, to be completed by the claimant and the attending doctor
- Medical reports, investigation reports, laboratory reports and hospital discharge summary
- Medically boarded out letter, if any
- Newspaper clipping and police/accident report, if applicable
- Passport/Travel documents showing departure dates from Singapore and entrance dates to other country outside of Singapore for the last 24 months (to be provided if illness/injury is diagnosed or treated overseas)
- NRIC or relevant identification documents (e.g. FIN card, passports, birth certificates) of claimant
- Proof of relationship if insured is different from policyholder (e.g. Birth certificate, Marriage certificate)
- Marriage certificate and screenshot from SingPass (My Profile > Family) showing current marital information of spouse if claim on family waiver benefit or Affinity schemes policy
- Birth certificate showing information of child and parent if claim on family waiver benefit
Send us your documents and claim form
Submit your claims online
Online submission with complete supporting documents ensures a faster processing time for your claim.
Email submission
If you are unable to submit the claim online, please email us as follows:
a. Claims on Affinity schemes policy: [email protected]
b. Claims on Individual life policy, DPS/ElderShield Supplement/CareShield Life Supplement policy : [email protected]
Important notes
- Please ensure that all requirements for claim submission stated in our website are completed before submission to avoid unnecessary delay.
- For all overseas claims, you are required to submit/follow up with the original notarised documents.
If you are a caregiver submitting a TPD claim on behalf of the policyholder (insured)
Find out if the policyholder is mentally incapacitated[1]
If you are unsure, the policyholder (insured) should go for a formal assessment by a registered medical practitioner and specialist in mental health. The assessor should not be related to the policyholder (insured).
If the policyholder is mentally incapacitated | If the policyholder is NOT mentally incapacitated |
As a caregiver, you will need to provide a copy of:
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To process the claim, you will need to:
1. Download and fill in the Living Claim form and prepare the supporting documents listed in the checklist
2. Download the Attending Medical Practitioner's Statement (AMPS) form that is applicable to your condition. The attending doctor[2] of the policyholder must complete the form with reference to the diagnosed conditions
3. Submit the following:
- Completed Living Claim form with the required supporting documents
- Completed AMPS
- All medical reports on the diagnosed condition
- Copy of LPA with the doctor/medical assessment certifying that the policyholder is mentally incapacitated, or Court Appointed Deputy document (where applicable)
- Copy of authorisation given by the policyholder to handle all insurance and claim matters on their behalf (where applicable)
- Identification documents
4. Claims can be submitted online (if the policyholder is not mentally incapacitated) or via email to us.
Important notes
[1]As defined under Section 4 of the Mental Capacity Act, a person lacks capacity in relation to a matter if at the material time he is unable to make a decision for himself in relation to the matter because of an impairment of, or a disturbance in the functioning of, the mind or brain. Please refer to the Mental Capacity act for full details. Formal assessment will be required. Registered medical practitioners and specialists in mental health can conduct formal assessments.
[2]The insured’s regular attending doctor who is treating the insured on the diagnosed conditions.
© 2022 Income. All rights reserved.
Information is correct as at 08 Jan 2026
Your queries answered.
We will pay you the benefit in a lump sum after you have been certified as being totally and permanently disabled.
Total Permanent Disability benefit will only be payable when your condition fulfils the criteria stated in your policy document. We suggest waiting for your condition to stabilise before considering filing a claim if your current condition is unstable. If you submit your claim before your condition stabilises, we will not be able to assess your claim and will require you to resubmit your claim at a later date.
Total Permanent Disability refers to (i) the inability to take part in any employment permanently or (ii) the total permanent loss of physical function of any of the following:
- Both eyes; or
- Two limbs; or
- One eye and one limb
- Total Permanent Disability is not about the difficulty of finding a job or whether a person is currently employed. It is about the ability of the person in performing work related activities. For example, if a person is still able to perform simple or sedentary forms of work, he/she is not considered to be totally and permanently disabled.
- For Total Permanent Disability due to total loss of physical function of both eyes, two limbs or one eye and one limb, loss must occur only after 1 May 2016 in order for claims to be payable.
A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.
You are encouraged to obtain the completed AMPS from your doctor(s) because it will speed up the process. The cost of the report should range from $100 to $300 (subject to prevailing GST and hospital fee charges. You may clarify with the hospital directly on the fee charges); the cost of this report is to be borne by you.
Where AMPS form specific to your condition is available in our website, you should use that specific AMPS for your doctor’s completion.
If you are unable to obtain the completed AMPS due to special reasons (e.g. suffering from a stroke and no available next of kin to assist with the AMPS application), we would be happy to do so on your behalf, upon your request and the cost of the report will be borne by you. However, please be informed that hospitals may take up to ten weeks to respond to our request.
There is no waiting period. However, because TPD means the inability to take part in any paid work for the rest of a person’s life, the insured must be certified by a registered medical practitioner to have been totally and permanently disabled for at least six months in a row.
A Court Order is required for claim payment if you are certified to be mentally incapacitated and unable to handle your financial affairs. A Court Order is a legal document which the Court grants to your next-of-kin or appointed person to handle your affairs on your behalf. If you had made a Lasting Power of Attorney (LPA) before the mental incapacity certification date, please forward a copy of the LPA document and a copy of the Donee’s identity card to us for our processing.
Please refer to the FAQs for more information.
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