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Seniors
Find support and purpose in your golden years, with more assurance for you to live and age well.
Last updated 14 March 2025
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Follow the story of Ricky, as he considers retiring and pursuing his interests:
Healthcare benefits
Matched MediSave Scheme
For eligible low-income seniors aged 55 to 70, every $1 topped up in their MediSave accounts will be matched by $1 from the Government, up to $1,000 per year for five years from 2026.
This helps eligible seniors to boost healthcare savings, with more support to pay insurance premiums and approved medical treatments.
To be eligible for the MMSS, you must meet all the following eligibility criteria:
Singapore citizen aged 55 to 70
Own not more than one property
Live in a property with annual value not more than $21,000
Earn an average monthly income of not more than $4,000
Have a CPF MediSave Account balance that is less than half the prevailing Basic Healthcare Sum
Healthier SG
Take charge of your health, prevent the onset of chronic diseases, and lead a healthier lifestyle. Enrol in Healthier SG with your family doctor for all your primary healthcare needs, while enjoying the following benefits:
Fully-subsidised first Health Plan consultation and check-ins
Fully-subsidised nationally-recommended screenings and vaccinations for eligible Singapore Citizens
More affordable medication with subsidies of up to 87.5% on selected chronic medications for Pioneer Generation/Merdeka Generation/CHAS cardholders under the Healthier SG Chronic Tier
Use MediSave to pay for your bill in full (without cash co-payment) for treatment of chronic conditions under the Chronic Disease Management Programme
$20 worth of Healthpoints through the Healthy 365 app after the first Health Plan consultation
Find out more about Healthier SG.
Pioneer Generation and Merdeka Generation Package
Enjoy comprehensive health benefits through the Pioneer Generation Package and Merdeka Generation Package for seniors.
Pioneers requiring assistance with at least 3 out of 6 Activities of Daily Living+ can also qualify for the Pioneer Generation Disability Assistance Scheme, which provides lifelong assistance of $100/month.
+Feeding, dressing, toileting, washing, walking or moving around, and transferring from bed to chair and vice versa.
Table 6: Pioneer and Merdeka Generation Package Benefits
Scheme | ||
|---|---|---|
Eligibility | Born on or before 31 December 1949 | Born from 1 January 1950 to 31 December 1959 |
MediSave Top-Ups | $250 to $900 annually for life | $200 annually from 2019 to 2023. [Top-Up has ended] |
Outpatient Care Subsidies | Additional subsidies for outpatient care at polyclinics, Public Specialist Outpatient Clinics and CHAS clinics. | |
MediShield Life premium subsidies | Up to 60%, based on Age Next Birthday:
| Up to 10%, based on Age Next Birthday:
|
CHAS Subsidies
Access subsidised medical, dental and healthcare services with the CHAS card at selected clinics.
Who is eligible?
Table 7: CHAS Tiers
Eligibility Criteria | CHAS Green | CHAS Orange | CHAS Blue |
|---|---|---|---|
Household monthly income per person | Above $2,300 | $1,501 - $2,300 | $1,500 and below |
Annual Value of residence (for households with no income) | Above $25,000 | $21,001 - $25,000 | $21,000 and below |
How will I benefit?
Table 8: CHAS Benefits
Benefits | CHAS Green | CHAS Orange | CHAS Blue | Merdeka Generation | Pioneer Generation |
|---|---|---|---|---|---|
Common illnesses1 (e.g. cough and cold) | N.A. | Up to $10 subsidy per visit | Up to $18.50 subsidy per visit | Up to $23.50 subsidy per visit | Up to $28.50 subsidy per visit |
Selected simple2 chronic conditions | Up to $28 subsidy per visit, capped at $112 per year | Up to $50 subsidy per visit, capped at $200 per year | Up to $80 subsidy per visit, capped at $320 per year | Up to $85 subsidy per visit, capped at $340 per year | Up to $90 subsidy per visit, capped at $360 per year |
Selected complex3 chronic conditions | Up to $40 subsidy per visit, capped at $160 per year | Up to $80 subsidy per visit, capped at $320 per year | Up to $125 subsidy per visit, capped at $500 per year | Up to $130 subsidy per visit, capped at $520 per year | Up to $135 subsidy per visit, capped at $540 per year |
Selected Dental Services | N.A. | Up to $50 - $170.50 subsidy per procedure (denture, crown, root canal treatment only) | Up to $11 - $256.50 subsidy per procedure (dependent on procedure) | Up to $16 - $261.50 subsidy per visit | Up to $21 - $266.50 subsidy per visit |
Recommended Health Screening under the national subsidised screening programme: Screen for Life4 | $5 fixed fee | $2 fixed fee | $2 fixed fee | $2 fixed fee | $0 |
1 Capped at 24 visits per year.
2 Refers to visits for a single chronic condition.
3 Refers to visits for multiple chronic conditions, or a single chronic condition with complication(s).
4 Refers to screening for diabetes, high blood pressure, high cholesterol, colorectal cancer and cervical cancer.
Looking out for your care needs
Higher Long-Term Care Subsidies
Look forward to more support across a range of care options, with enhanced subsidies for care recipients who are Singaporeans or PRs. Households with per capita income of up to $4,800 (previously $3,600) can qualify.
Enhanced subsidies will take effect from July 2026. MOH will provide one-off rebates for MOH-subsidised long-term care services between July 2025 and June 2026.
Subsidies for Residential Long-Term Care
Up to 20% more subsidies for residential long-term care services (e.g. in nursing homes), with additional 5% for those born in 1969 or earlier.
This includes services for:
Chronic Sick
Nursing Home
Nursing Home Respite Care
Psychiatric Rehabilitation Home
Psychiatric Sheltered Home
Subsidies for Long-Term Care in the Home/Community
Up to 10% more subsidies for long-term care services such as day care or home care, with additional 15% for those born in 1969 or earlier.
This includes services for:
Active Rehabilitation
Centre-Based Nursing
Dementia Day Care
Home Medical
Home Nursing
Home Personal Care
Maintenance Day Care
Maintenance Exercise
Meals On Wheels
Medical Escort and Transport
Psychiatric Day Rehabilitation
Enhanced Home Caregiving Grant
Get up to $600 a month (up from $400 a month) to help reduce caregiving costs.
The care recipient must be a Singaporean or a PR (with a parent, child or spouse who is a Singaporean), and permanently require help with at least 3 of the 6 Activities of Daily Living+.
Households with per capita income of up to $4,800 (previously $3,600) can qualify.
+Feeding, dressing, toileting, washing, walking or moving around, and transferring from bed to chair and vice versa.
Subsidies for Senior-Friendly Home Fittings
Through the Enhancement for Active Seniors (EASE) programme, seniors can enjoy improved mobility and safety with subsidised senior-friendly fittings and installations in HDB households.
As announced at Budget 2025, EASE will be expanded:
To households with seniors living in private properties
Subsidy will cover 75% of the cost of selected senior-friendly fittings, up to $1,200.
Expansion to be launched from Q1 2026, for three years up to 2028
Retirement adequacy
Majulah Package
For Singaporeans born in 1973 or earlier, the Majulah Package will help boost your retirement savings. Receive up to $4,500 in bonuses.
Annual Earn & Save Bonus (ESB)
Enhance your retirement savings with an annual CPF bonus of up to $1,000, if you:
Work and have an average monthly income between $500 and $6,000,
Live in a residence with Annual Value of $31,000 and below, and
Own not more than one property.
The ESB amount is tiered based on average monthly income and will be credited to your CPF Retirement Account or Special Account.
Table 1: ESB Quantum
Average Monthly Income | Annual Earn & Save Bonus |
|---|---|
$500 to $2,500 | $1,000 |
Above $2,500 to $3,500 | $700 |
Above $3,500 to $6,000 | $400 |
Retirement Savings Bonus (RSB)
Receive a one-off bonus of up to $1,500 if you:
Have CPF retirement savings* below the 2023 Basic Retirement Sum of $99,400 as at 31 December 2022,
Live in a residence with Annual Value of $25,000 or below as at 31 December 2023, and
Own not more than one property as at 31 December 2023.
The RSB amount is tiered based on your CPF retirement savings* and will be credited to your CPF Retirement Account or Special Account.
Table 2: RSB Quantum
CPF Retirement Savings* | Retirement Savings Bonus |
|---|---|
Less than $60,000 | $1,500 |
At least $60,000 but less than $99,400 (2023 Basic Retirement Sum) | $1,000 |
*Based on the sum of the Retirement Account (RA) and CPF LIFE balances, or the sum of Ordinary Account and Special Account balances if RA has not yet been created.
MediSave Bonus (MSB)
Receive a one-off bonus of up to $2,000 for your medical needs, depending on:
Year of birth,
Annual Value (AV) of your residence, and
Number of properties owned.
The MSB will be credited to your CPF MediSave Account.
Table 3: MSB Quantum
Singaporeans born in | Own not more than 1 property, with AV of residence* not exceeding $25,000 | Own not more than 1 property, with AV of residence* of more than $25,000; OR own more than 1 property |
|---|---|---|
1959 or earlier | $1,250 | $1,250 |
1960-1973 | $2,000 | $1,250 |
* As at 31 December 2023.
Learn more about the Majulah Package.
Matched Retirement Savings Scheme
From January 2025, every $1 topped up to your CPF Retirement Account will be matched by $1 from the Government, up to $2,000 per year.
You, your loved ones, employers, or community members, can make cash top-ups to your CPF Retirement Account, to boost your monthly payouts in retirement.
* There will be a lifetime cap of $20,000 for grants on top-ups made in 2025 and beyond.
To qualify, you must:
Be Singaporean and aged 55 and above^
Have Retirement Account savings below the prevailing Basic Retirement Sum ($106,500 in 2025)
Earn an average monthly income of not more than $4,000
Live in a property with annual value not more than $21,000
Own not more than one property
^MRSS will be extended to those above 70 from 1 January 2025.
Find out more about the Matched Retirement Savings Scheme.
CPF LIFE
Enjoy a greater sense of security with lifelong monthly payouts.
CPF LIFE is a national longevity insurance annuity scheme that provides you with monthly payouts, for as long as you live. There are three plans to choose from, depending on your desired retirement lifestyle:
Table 4: Overview of CPF LIFE Plans
Plans | Desired retirement lifestyle |
|---|---|
Escalating Plan | If you’re worried about things being more expensive in the years ahead, this plan gives you increasing monthly payouts that start low initially but grow by 2% per year to help you maintain your lifestyle. |
Standard Plan | If you prefer to keep within a fixed budget, this plan gives you steady monthly payouts. However, you may have to adjust your lifestyle as things get more expensive. |
Basic Plan | If you’re confident of adjusting your lifestyle to lower your spending over time, this plan gives you monthly payouts that start low and will decrease even more when your CPF balances fall below $60,000. |
Support for lower-income seniors
Enhanced Workfare Income Supplement (WIS)
WIS supplements the incomes and CPF savings of lower-wage Singaporean workers, and encourages them to work regularly. Eligible employees, self-employed persons and platform workers can receive payments of up to $4,900 per year (previously $4,200). Employees do not need to apply for WIS, as eligibility is automatically assessed based on CPF contributions. Self-employed persons will have to declare their income, and make the required MediSave contributions to receive payments.
To qualify, you must meet all the following eligibility criteria:
Singapore Citizen aged 30 years old and above
Employed or self-employed or platform worker
Gross monthly income of $500 to $3,000
Live in a property with Annual Value of up to $13,000 ($21,000 for work done in 2024 onwards)
Do not own more than 1 property
If married, assessable income of your spouse must not exceed $70,000. You and your spouse must also not own more than 1 property.
Find out more about the Workfare Income Supplement.
Silver Support Scheme
The Silver Support Scheme provides quarterly cash payments of up to $1,080 for Singapore Citizens aged 65 and above (previously $900), who had low incomes during their working years and now have less in retirement. Eligible Singaporeans will receive a notification letter in December of the preceding year.
To qualify, you must meet all of the following eligibility criteria:
Singapore citizen aged 65 years old and above
Total CPF Contribution at age 55 of up to $140,000. If self-employed, average annual net trade income of up to $27,600 between the ages of 45 to 54
Per-capita household income should not exceed $2,300 (previously $1,800)
Live in a 1- to 5-room HDB flat
You and your spouse do not own a 5-room or larger HDB flat, private property or multiple properties
Table 5: Enhanced Silver Support Payments from 1 January 2025
HDB Flat Type | Household monthly income per person of $1,500 or less | Household monthly income per person of above $1,500 but not more than $2,300 |
|---|---|---|
1- and 2-Room | $1,080 | $540 |
3-Room | $860 | $430 |
4-Room | $650 | $325 |
5-Room* | $430 | $215 |
*Live in, but do not own, a 5-room HDB flat.
Learn more about Silver Support Scheme.