Manage your cost of living

Where can I find the full list of NTUC merchant partners to enjoy my membership benefits?

You may find the full list of our merchant partners and exclusive deals through the following options:

'Memberships' > 'Deals for members'

NTUC Union Members can log in to view your promo code for selected deals

MyNTUC App

Homepage > Membership benefits > Cost of Living > NTUC Membership Deals

You may enjoy the benefits with our partner merchants by flashing your NTUC Card or e-Card on the MyNTUC app unless otherwise stated. Please refer to the terms & conditions of the respective deals and promotions.

Can my family members enjoy the NTUC Union Member benefits too?

As the benefits of NTUC Union Membership are non-transferable, you may explore our NTUC Family Membership (NFM) programme which offers a variety of benefits for everyone in the family.

What is NTUC Group Term Life Insurance For Trade Union Members (GIFT)?

NTUC Group Term Life Insurance For Trade Union Members (GIFT) is a group term life insurance policy exclusive for members of NTUC affiliated unions/associations. All NTUC Union Members who are below 65 years are automatically covered against death and total/partial & permanent disability (TPD/PPD) up to the sum assured of $40,000, subjected to other T&Cs. Members do not need to apply for the insurance as you will be automatically covered during the course of membership.

Find out more information about GIFT here

Am I eligible for GIFT?

You are eligible for NTUC GIFT if you fulfill the following:

Members who are 16 to 65 years of age (include spouses below the age of 65, i.e., before their 65th birthday)

Members must have at least 6 continuous months of membership at point of occurrence

Am I eligible for GIFT extension?

NTUC Union Members aged 65 years old and above who and meet the minimum membership tenure criteria will be eligible for GIFT Extension to enjoy extended coverage, subject to a token fee payment which currently has been waived* until 2026.

To find out more information about GIFT Extension, you may download the NTUC GIFT brochure from our resource hub here and refer to page 10.

*Terms and conditions apply

How do I submit a GIFT claim?

Please complete and endorse the claim form and supporting documents before submitting to your union/NTUC Member’s Hub for endorsement.

Please note that GIFT claim must be submitted within 90 days of Death or Permanent Disability. The claim processing duration is 4-6 weeks; subjected to the submission of all the required documents.

Visit our Resource Hub here to view/download the NTUC GIFT Death Claim Form and the NTUC GIFT Total/Partial & Permanent Disability Claim Form.

What U Care Assistance Programmes do we have?

The U Care Assistance Programmes includes grants and programmes to support our NTUC Union Members financially. For more detailed information on eligibility and application guide, do check out each of the programme’s page here.

U Care Assistance Programmes	About the programme
NTUC Care Fund (e-Vouchers)	It is an assistance programme which aims to assist our low-income union members to cover their cost of basic necessities and their children's school expenses. Find out more information here.
NTUC Care Fund (Special Assistance)	The NTUC Care Fund (Special Assistance) provides one-time cash relief to ease their financial burden on the rising cost of living for daily essentials. Find out more information here.
U Care Hardship Grant	It is a one-off financial assistance for low-income NTUC Union Members in the event that the members suffer from hardship that is non-industrial in nature. Find out more information here.
CapitaLand – U Care Resilience & Enablement Fund (CAP+Ure Fund)	CAP+Ure Fund provides interim financial support for low-to-medium income NTUC union members who are impacted by total and sudden (unexpected) loss of income. To ensure that the needs of the children are not compromised, each child will receive a one-time disbursement of S$250 worth of FairPrice vouchers to provide their daily necessities and schooling needs. Find out more information here.
LIFT-UP Pathfinder	LIFT-UP Pathfinder Programme aims to assist low-income members to up-lift and upskill as a family. Funding support will be based on family size (no capped amount) and non-transferable. Find out more information here.

U Care Assistance Programmes

About the programme

NTUC Care Fund

(e-Vouchers)

It is an assistance programme which aims to assist our low-income union members to cover their cost of basic necessities and their children's school expenses.