On 3rd September 2013's issue of the Straits Times, the Forum section featured a letter from Ms Wendy Tan, who shared that she was disabled from the waist down due to a spinal cord injury sustained during an accident last year. She could not feel her legs and experiences pain in her lower back. As a result, s he had to leave her banking job which she held on for 12 years, as she is unable to work now. After filing a claim under the Dependents' Protection Scheme (DPS) with NTUC Income, her claim was rejected as she could still perform sedentary work. The policy would only payout upon death or permanent incapacity , which Ms Tan's condition don't qualify.