None of these are automatic. Each one has to be applied for, and a refund only starts from the point you apply — so it is worth asking early rather than waiting until the bills mount up.
High-Cost Care Service Benefit
If the co-payments of everyone in the same household add up to more than a monthly ceiling, the excess is refunded once you apply and it is approved. The ceiling depends on household income.
Reduced meals and accommodation in a facility
For a stay in a care facility, or a short stay, the meal and accommodation charges can be reduced. Eligibility is judged on income and on savings and other assets.
You will be asked for:
- The application form for the reduced-charge certificate
- Copies of bank passbooks in the name of the applicant and their spouse, showing entries for the two months before the application
- Documents showing your residence-tax status
Other schemes
- Combined medical and care ceiling — medical and care co-payments are added together over the year and the excess refunded. Applied for through your health insurer, not the ward office
- Reduction by social welfare corporations — for services provided by participating corporations
- Reduction for home-help services
- Reduction after a disaster or other exceptional circumstances
- Rent assistance for group homes
Where to apply
Most of these go to the Benefits desk of the Elderly and Disability Division at your ward office; some can be filed online. If you are not sure which apply to you, a community support centre or your care manager can go through it with you. Asking is free.