In 2013, 48-year-old Ms Chan began making ElderShield claims for her disabled mother, receiving $300 each month to pay for supplies such as adult diapers and special lotion prescribed by a doctor.
Early this year, the funds stopped, having reached the end of the five-year payout term that applied in this case. But her mother's needs remained - along with their costs.
Already a subscriber? Log in
Read the full story and more at $9.90/month
Get exclusive reports and insights with more than 500 subscriber-only articles every month
ST One Digital
$9.90/month
No contract
ST app access on 1 mobile device
Unlock these benefits
All subscriber-only content on ST app and straitstimes.com
Easy access any time via ST app on 1 mobile device
E-paper with 2-week archive so you won't miss out on content that matters to you