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Singapore Government

Planning Ahead For The Future Of Our Loved Ones

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Planning Ahead For The Future Of Our Loved Ones

Like many caregivers, Mr Toh was deeply concerned for the future well-being of his loved one with special needs. When Mr Toh was first referred to SNTC by a medical social worker in 2016, he was the sole breadwinner and primary caregiver in his family. Mr Toh, who was in his late 60s at the time, worked as a part-time cleaner, and had to look after his wife and son. His wife had an intellectual disability while his son, an only child in his 30s, has intellectual disability and epilepsy. In 2016, he set up a trust with the Special Needs Trust Company (SNTC) for his son. SNTC sponsored the initial capital of $5,000 in view of his financial difficulties. With the support of SNTC’s case managers, Mr Toh has been able to take active steps to ensure that his estate (i.e. all the money and property owned by a person, upon demise) will be channelled into the trust account for his son’s long-term care needs. These include the future sale proceeds of their 4-room HDB flat and Mr Toh’s CPF and insurance nomination. By planning ahead, Mr Toh has ensured that SNTC is able to safeguard and manage the monies for his son’s care needs in future.


Widower Mr Toh (left) has taken steps to channel his estate into an SNTC Trust set up for his son with special needs.