Have you ever wondered what would happen if you suddenly became unable to perform basic daily activities? It's a sobering thought, but one that's important to consider. Did you know that 1 in 2 healthy Singaporeans aged 65 could become severely disabled in their lifetime? Or that 57% of Great Eastern's CareShield claimants are under the age of 50? These statistics highlight the importance of having robust disability coverage, regardless of your age.

Enter Great CareShield, a comprehensive disability insurance plan designed to provide financial support when you need it most. Let's dive deep into what this plan offers and how it can protect you and your loved ones.

Great CareShield is a disability insurance plan that supplements your CareShield Life or ElderShield coverage. It's designed to provide financial support if you become unable to perform Activities of Daily Living (ADLs) due to disability. What sets it apart is that it starts paying out when you can't perform just one ADL, providing earlier and more comprehensive coverage than many other plans.

The six ADLs covered by Great CareShield are:

1. Washing: Ability to bathe or shower independently

2. Dressing: Ability to put on and remove clothing

3. Feeding: Ability to feed oneself

4. Toileting: Ability to use the toilet independently

5. Walking or Moving Around: Ability to move from room to room

6. Transferring: Ability to move from bed to chair and vice versa

Let's consider Mike, a 30-year-old dispatch rider with a family:

• Mike chooses a Great CareShield plan with a S$1,500 Monthly Benefit

• He pays an annual premium of S$584 (with a 20% discount)

At age 32:

• Mike suffers a mild stroke and can't perform one ADL

• He receives a S$4,500 lump sum Initial Benefit

• He starts receiving a S$750 Monthly Benefit

• His premiums are waived during his disability

By age 47:

• Mike would have received S$139,500 in total payouts

• He continues to receive benefits as long as he remains disabled

If Mike's condition worsens and he can't perform 3 or more ADLs, he'll receive additional payouts from his CareShield Life plan.

In a world where disability can strike at any time, having comprehensive coverage like Great CareShield can provide invaluable financial security and peace of mind. By offering early payouts, lifetime coverage, and additional benefits for caregivers and dependants, it goes beyond basic disability insurance to provide holistic protection for you and your loved ones.

Remember, the best time to get disability insurance is when you're young and healthy. Starting early not only secures lower premiums but also ensures you're protected throughout your life's journey.

Ready to take the next step in securing your financial future against disability? Don't rely on just one perspective. Get expert insights tailored to your unique situation. Sign up now to receive 5 expert opinions on disability insurance options. These professionals will review your specific needs and provide personalized recommendations, helping you make the most informed decision possible.

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By consulting with multiple experts, you'll gain a comprehensive understanding of your options and ensure you're choosing the best coverage for your needs. Don't leave your future to chance – get the expert advice you deserve today.