Hey Solo Sister | Benefits & rights | Single & Unwed Mothers | Heysolosister.com
This section provides unwed mothers and single mothers in Singapore an overview of the government subsidies, such as baby bonus / CDA, and other support for single parents.
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Benefits

We believe that every mother and child deserves the best support they can get to succeed in life regardless of her marital status. Here’s what you’ll need to know to give you and your child the best future:

 

 

As of November 2014, this is the full list of benefits unwed mothers are entitled to: Click here.

 

Note: As of 13 April 2016, there has been some changes to the benefits for unwed mothers. Click here to view.

 

For a comprehensive list of assistance schemes for individuals/families with social and financial needs (not limited to unwed mothers) click here.

“Chloe and Cheryl” by C.K. Koay is licensed under CC BY 2.0

Employment Leave

Maternity Leave

What is it:

Maternity leave is leave granted to working mothers before and/or after they have given birth.

Under the Employment Act, you are entitled to 12 weeks of maternity leave (8 paid, 4 unpaid).

 

Update (13 April 2016): According to MSF, unwed mothers will receive 16 weeks of paid maternity leave, equivalent to that of married mothers, from 2017 onwards.

 

Eligibility:

You need to serve your current employer for at least 3 continuous months before giving birth.

 

How to apply:

Inform your employer at least 1 week in advance before taking your leave.

 

Read more on how to plan your leave.

Click here for more information on eligibility and entitlement.

Unpaid Infant Care Leave

What is it:

The Unpaid Infant Care Leave is an entitlement given to all working parents with a child below the age of 2. According to the Ministry of Manpower (MOM), parents are entitled to 6 days of unpaid leave each year.

 

To be eligible:

  1. Your child has to be below 2 years old
  2. Your child must be a Singapore Citizen
  3. You must have served your current employer for at least 3 months

 

How to apply:

Simply notify your employer that you want to take infant care leave, and get their approval.

Government-Paid Child Care Leave (GPCL)

What is it:

The Government-Paid Child Care Leave (GPCL) is an entitlement given to all working parents with a child below the age of 7. According to MOM, parents are entitled to 6 days of paid leave or less each year depending on how long they’ve been working for their employer.

TIP: Is your child over the age limit of 7? Don’t worry. Under the Extended ChildCare Leave Scheme (ECL), you can still claim 2 days of paid childcare leave each year if your child is between 7 to 12 years old.

To be eligible:

  1. Your child has to be below 7 years old (for GPCL) or between 7 to 12 years old (for ECL)
  2. Your child must be a Singapore Citizen
  3. You must have served your current employer for at least 3 months

 

How to apply:

Download this form and submit to your employer with all necessary documents.

Grants and Subsidies

Education & Care

Baby Bonus Scheme

What is it:

You would most likely have heard of the Baby Bonus Scheme, which gives out bountiful cash grants to married couples. Although unwed mothers are not eligible for cash grants under the Baby Bonus Scheme, they can still open a Child Development Account (CDA) to enjoy special interest rates with their banks.

 

Currently, both POSB and OCBC bank are offering an interest rate of up to 2% per annum for CDAs (as of Jan 2016). For the latest interest rates and offers, please contact either POSB or OCBC directly.

 

On top of that, some unwed mothers are also eligible for a one-time CDA fund of either $300 or $600 depending on their property annual value, provided they open their CDAs before 30 Jun 2016. These mothers would have already been informed by MSF via a letter before Dec 2014.

 

You can use savings in the CDA to pay for educational and healthcare expenses at all Baby Bonus Approved Institutions.

 

Update (13 April 2016): According to MSF, children of unwed mothers will be included in the CDA scheme from the third-quarter of 2016. This includes the dollar-to-dollar match as well as the $3K CDA First Step Grant. 

 

To be eligible:

All Singapore citizen parents are eligible to open a CDA.

 

How to apply:
To apply, click on this link. Enter your Singpass details and fill up the online form.

Infant & Childcare Subsidies

What is it:

The Early Childhood Development Agency (ECDA) provides 2 types of subsidies to help parents lessen the cost of infant-care and child-care services. The 2 subsidies are: Basic Subsidy and Additional Subsidy.

 

Basic Subsidy:

Basic Subsidy is available to all Singaporean children enrolled in an ECDA-licensed child-care centre. The amount of subsidy received will depend on the employment status of the mother and the type of programme the child is enrolled in (eg: infant-care or child-care, full day or half day, etc). Working mothers will receive more subsidies than non-working mothers.

 

Additional Subsidy:

Additional Subsidy is only available to mothers working at least 56 hours each month and whose gross family household income does not exceed 7.5K. The amount of subsidy received also depends on the type of programme the child is enrolled in and the applicant’s household income.

 

Calculate the amount of subsidies you’re eligible for here.

 

To be eligible:

  1. Your child must be a Singapore citizen
  2. Your child must be enrolled in an ECDA-licensed child-care centre or infant-care centre.
  3. You must be working at least 56 hours/month and have a gross family household income of less than 7.5K (for Additional Subsidy only)

 

How to apply:

Download this form and submit it to the child-care/infant-care centre personnel during registration. Bring along your child’s birth certificate, your NRIC and employment documents (if any).

TIP: Need extra financial help? Some subsidy schemes like KiFAS, SCFA and those under ECDA have a Start-Up Grant you can apply to pay for administrative costs.

TIP: Is your household income above limit because you have a large family? Try calculating your Per Capita Income (PCI) instead to qualify for subsidies.

Kindergarten Financial Assistance Scheme (KiFAS)

What is it:

KiFAS is a subsidy scheme, which provides parents up to $170 monthly to offset the cost of their child’s kindergarten education. Similar to most subsidies, families from lower income tiers will receive higher subsidy amounts.

 

Find out how much subsidy you’re eligible for here.

 

To be eligible:

  1. Your child must be a Singapore citizen
  2. Your child must be enrolled in kindergartens operated by Anchor Operators (AOPs, e.g. PCF kindergarten) or the Ministry of Education (MOE kindergarten)
  3. Your gross monthly household income must be 6K or less and/or for larger families, the per capita income must be 1.5K or less.

 

How to apply:

Download this form and submit it to the kindergarten during registration. Bring along your child’s birth certificate, your NRIC and employment documents (if any).

TIP: Need extra financial help? Some subsidy schemes like KiFAS, SCFA and those under ECDA have a Start-Up Grant you can apply to pay for administrative costs.

TIP: Is your household income above limit because you have a large family? Try calculating your Per Capita Income (PCI) instead to qualify for subsidies.

ComCare Student Care Financial Assistance (SCFA)

What is it:

The SCFA provides subsidies for parents with children enrolled in student-care services up to $285 monthly. As with most subsidies, families from lower income tiers will receive higher subsidy amounts.

 

Find out how much subsidy you’re eligible for here.

 

To be eligible:

  1. You must be working
  2. Your monthly household income must be 4K or less or our monthly household per capita income is 1K or less
  3. Your child must be between 7-14 years old and must attend a registered Student Care Centre (SCC)
  4. Your child must be a Singapore citizen or PR (one immediate family member must be a SC)

 

How to apply:

Obtain an application form at any registered SCC. Bring along copies of your child’s birth certificate, your NRIC and employment documents.

TIP: Need extra financial help? Some subsidy schemes like KiFAS, SCFA and those under ECDA have a Start-Up Grant you can apply to pay for administrative costs.

TIP: Is your household income above limit because you have a large family? Try calculating your Per Capita Income (PCI) instead to qualify for subsidies.

TIP: If you need more subsidy, request for the student care operator to make an appeal to a social worker from any Family Service Centres to obtain a Letter of Recommendation.

MOE Financial Assistance Scheme / Independent School Bursary scheme

What is it:

The MOE FAS scheme provides many subsidies and benefits to help low income families provide for their child’s Primary to Pre-University education. The ISB Scheme is similar but catered for children attending Independent schools (Non-government funded schools). See the full list of benefits and conditions below:

(Source: MOE)

How to apply:

Download either the MOE FAS form or MOE ISB form and submit it directly to the school with the relevant documents.

Housing

Additional Housing Grant (BTO/Resale)

What is it: The Additional Housing Grant (AHG) is a 2.5K – 20K subsidy for Singles belonging to the lower-income group buying a BTO or Resale flat. Subsidy amounts are higher for lower income tier.

 

To be eligible:

  1. Your average gross monthly household income has to be 2.5K or lower
  2. You must be in continuous employment for the past 12 months and still employed during point of flat application
  3. You must be a single Singapore citizen
  4. You must be 35 years old and above

 

How to apply: Obtain and submit the relevant forms to HDB.

Special Housing Grant (BTO only)

What is it: Similar to the AHG, the Special Housing Grant (SHG) provides a 2.5K to 20K subsidy for BTO flat buyers who do not qualify for the AHG due to income ceiling. For those in lower-income group, this grant can be applied on top of the AHG.

 

To be eligible:

  1. You must be in continuous employment for the past 12 months and still employed during point of flat application
  2. You must not earn more than the income ceiling dictated by HDB for the sales launch
  3. You must be a single Singapore citizen
  4. You must be 35 and above

 

How to apply: Obtain and submit the relevant forms to HDB.

Single Grant (Resale only)

What is it: The Single Grant is a 15K subsidy for any Single person buying a Resale flat.

 

To be eligible:

  1. Your average gross monthly income must be 6K or lower (for application under Singles Scheme)
  2. You must be a first time flat buyer
  3. You must be a single Singapore citizen
  4. You must be 35 and above

 

How to apply: Download the application form here and submit to HDB.

Proximity Housing Grant (Resale only)

What is it: The Proximity Housing Grant (PHG) is a 10K subsidy for any Single person staying in a Resale flat with his/her parent(s).

 

To be eligible:

  1. You must be applying for the PHG for the first time
  2. You must be staying with at least one of your parents, who is a Singaporean or PR
  3. You must be a single Singapore citizen
  4. You must be 35 and above

 

How to apply: Download the application form and submit to HDB during your flat booking appointment.

Step-Up CPF Housing Grant (Second-time flat buyers only)

What is it: The Step-Up CPF Housing Grant is a 15K subsidy for low-income second time flat buyers looking to upgrade from a 2-room subsidised flat to a 3-room subsidised flat.

 

To be eligible:

  1. You must be a second time flat buyer
  2. You must be in continuous employment for the past 12 months and still employed during point of flat application
  3. Your gross average monthly household income must be 5K or lower
  4. The remaining lease on current flat needs to be at least 30 years
  5. You must be a Singapore citizen

 

How to apply: If eligible, you will be given the application form for the Step-Up CPF Grant during the flat booking appointment for your new 3-room flat in a non-mature estate. Bring along all relevant income document proof.

Others

Here are other grants/subsidies that are automatically given without application:

 1. MediSave Grant for Newborn

The MediSave Grant for Newborn is a 4K grant credited into every Singapore citizen child’s MediSave account after he or she is born. The MediSave Grant is intended to pay for the child’s MediShield Life Premiums till he or she is 21 and also to support other healthcare expenditures such as childhood vaccinations, hospitalisation, etc.

 

 2. Levy concession for Foreign Domestic Worker (FDW)

If you are intending to hire a FDW to take care of your child, the government will subsidise a portion of your levy fee. Under the Young Child Scheme, you are automatically eligible for a reduced levy rate of $60 per month (normal: $265).

 

 3. Child Development Credits & Post-Secondary Education Account (PSEA)

Child Development Credits are credited time-to-time into your child’s CDA by the government. These credits can be used for your child’s education and medical expenses. Any leftover credit in the child’s CDA is transferred to his PSEA account, which will also similarly receive top-ups, when he or she turns 13.

Date

13/04/2016