Introduction: The Real Cost Is Not Just Money
The real danger of ageing parents is not the hospital bill.
It’s:
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Burnout
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Career stagnation
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Long-term income loss
AIC focuses on keeping seniors supported at home, while adults stay employed.
1️⃣ Day Care & Dementia Care (Biggest Saver)
Market vs Subsidised Cost
| Item | Market Rate | After Subsidy |
|---|---|---|
| Dementia Day Care | $1,200/month | $120/month |
📊 Monthly Cost Chart
👉 Annual savings: $12,960
This one subsidy alone:
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Keeps both parents working
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Preserves CPF contributions
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Prevents long-term income loss
2️⃣ Home Caregiving Grant (HCG) This will be further enhanced in 2026
$250 - $400/month cash, deposited automatically.
| Usage | Monthly |
|---|---|
| Transport | $50 - $150 |
| Diapers & supplies | $80 - $120 |
| Helper support | $120 - $130 |
👉 Annual cash support: $3000 - $4,800
No receipts. No reimbursement nonsense.
3️⃣ Mobility & Assistive Devices Subsidy
| Item | Normal Cost | After Subsidy |
|---|---|---|
| Wheelchair | $800 | $80 |
| Walking frame | $300 | $30 |
👉 One-time savings: $990
Total Annual Impact (Conservative)
| Area | Savings |
|---|---|
| Day care | $12,960 |
| HCG | $4,800 |
| Assistive devices | $990 |
| Total | $18,750/year |
That’s real money, not theory.
Key Takeaway
If you quit work to care for parents,
you lose far more than what care costs.
AIC exists to prevent that mistake.
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