What additional costs should I expect if I become severely disabled?
Severe disability means being unable to perform at least 3 of the 6 Activities of Daily Living (ADLs) — washing, dressing, feeding, toileting, mobility, and transferring. When this happens, most families face one of two care arrangements:
| Care Setting | Monthly Cost (Before Subsidy) |
|---|---|
| Home-based care | S$900 – S$3,100 |
| Nursing home | S$1,200 – S$7,000+ |
On top of care fees, families should also budget for recurring expenses such as assistive devices, home modifications, and consumables.
Prices are estimates based on publicly available market data as of 2025–2026 and may vary by provider. Families are encouraged to obtain direct quotes from licensed funeral directors.
📌 Source: Singapore Funeral Committee – Average Cost of a Funeral in Singapore (2025) | Singapore Funeral Care – Funeral Costs Singapore (2026)