The Silver Support Scheme (SS Scheme) is a cornerstone of Singapore’s retirement support framework, introduced in 2016 to provide direct financial aid to low-income seniors. Targeting older citizens who earned modest wages and have limited CPF savings, the scheme aims to reduce retirement inequality and ensure seniors can maintain a decent quality of life.
In 2025, enhancements to the program mean over 300,000 seniors aged 65 and above will benefit, with quarterly payouts reaching up to $1325. Payments are made automatically without the need for an application, ensuring that support reaches those who need it most.
Quick Summary Singapore $1325 Silver Support Scheme
Key Component |
Details |
|---|---|
Scheme Name |
Silver Support (SS) Scheme |
Launch Year |
2016 |
Coverage (2025) |
300,000+ seniors |
Maximum Quarterly Payout |
$1325 |
Payment Frequency |
Quarterly (4 times a year) |
Payment Methods |
PayNow-NRIC, Bank Transfer, GovCash |
Eligibility Factors |
Lifetime income, CPF savings, housing type, household income |
Application Required |
No – automatic enrollment |
Official Portal |
Purpose of the Silver Support Scheme
The SS Scheme reflects Singapore’s long-term vision for an inclusive society that supports its elderly population.
Main Goals:
- Enhancing Financial Security – Providing consistent cash support for seniors with insufficient retirement savings.
- Reducing Income Inequality – Focusing on seniors who earned lower wages over their working lives.
- Supporting Essential Living Costs – Helping cover daily expenses such as food, healthcare, and utilities.
- Complementing Existing Benefits – Working alongside CPF payouts, MediShield Life, and housing subsidies.
- Encouraging Social Participation – Easing financial pressure so seniors can engage in community activities.
Eligibility Criteria for 2025
The scheme is automatic – no application is required. Seniors will be included if they meet all of the following:
- Age – Aged 65 years and above.
- Low Lifetime Earnings –
- Total CPF contributions by age 55 not exceeding $140,000.
- For self-employed/gig workers: average annual net trade income between ages 45–54 must be $27,600 or less.
- Housing Type –
- Must live in a 1- to 5-room HDB flat.
- Applicant and spouse must not own larger HDB flats, private property, or multiple properties.
- Low Household Income – Household monthly income per person must be $2,300 or less.
These conditions ensure that funds are directed to retirees most in need.
2025 Payout Rates – How Much You Can Receive
The payout amount depends on housing type and household income per person:
HDB Flat Type |
Income ≤ $1,500 |
Income > $1,500 and ≤ $2,300 |
|---|---|---|
1- & 2-room |
$1325 |
$540 |
3-room |
$860 |
$430 |
4-room |
$650 |
$325 |
5-room* |
$430 |
$215 |
Note: Seniors living in but not owning a 5-room flat may still qualify.
At the highest tier, seniors receive $1325every quarter, totaling $4,320 annually.
Payment Schedule for 2025
Payments are made four times a year and are credited directly to the recipient’s chosen method (PayNow-NRIC, bank account, or GovCash).
Eligibility Quarter |
Payment Date |
|---|---|
January – March |
31 December (previous year) |
April – June |
31 March |
July – September |
30 June |
October – December |
30 September |
Seniors start receiving payments in the quarter they turn 65.
Payment Methods
- PayNow-NRIC – Fastest and most secure method.
- Bank Account – Direct transfer into a registered local bank account.
- GovCash – For seniors without bank accounts, funds can be collected at OCBC ATMs using Singpass.
Benefits of the Scheme for Seniors
- No Application Hassle – Eligible seniors are enrolled automatically.
- Regular Financial Support – Predictable quarterly income helps with budgeting.
- Inclusive Coverage – Reaches both employed and self-employed seniors.
- Aligned with Social Policies – Works in tandem with other welfare initiatives.
Frequently Asked Questions (FAQs)
Q1: How much can a senior receive under the Silver Support Scheme in 2025?
A: Up to $1325 per quarter, depending on housing type and household income.
Q2: Do seniors need to apply?
A: No. If you meet the criteria, you will be automatically included.
Q3: How often are payments made?
A: Quarterly – in March, June, September, and December.
Q4: Can seniors in private housing qualify?
A: No. Only seniors in 1- to 5-room HDB flats meet the housing requirement.
Q5: Where can I check more details?
A: Visit the official portal at https://www.silverpages.sg.
Conclusion
The Silver Support Scheme is a vital safety net for Singapore’s low-income elderly, offering up to $1325 every quarter to help them meet essential expenses and enjoy a more dignified retirement.
With automatic enrollment, targeted eligibility criteria, and flexible payment options, the scheme ensures that those who contributed to Singapore’s growth but earned modest wages are not left behind in their senior years.
For the latest details and payment updates, visit the Silver Support Scheme official page.
For More Information Click HERE