Dependants’ Protection Scheme

ST Forum, 4 Sep 2013
NTUC Income explains why policyholder’s claim was denied

The Dependants’ Protection Scheme is an affordable national scheme intended to provide basic insurance in the event of the policyholder’s death or permanent incapacity, which is defined as being physically or mentally incapacitated from ever continuing in any employment, including self-employment.

Conversely, if a person is able to perform simple or sedentary forms of work, she is not considered to be permanently incapacitated. According to Ms Tan’s attending specialist, she is able to perform jobs that allow her to sit. We explained to her that because of this, we were not able to accept her claim.

Note: Sedentary work is a type of work that is usually characterised by a lot of sitting.


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