I have a SAF Group insurance plan but it will expire when I reach retirement. Do I need a Personal Accident Plan during my retirement, besides H&S & ElderShield plans?

PA plan is relatively cheap. As such, I would recommend in getting one during your retirement. My view is not so much of covering death (assuming no more liabilities) but providing some additional financial support after suffering from TPD which could inflat your expenses thereafter.

Not necessary. But if you feel worried about broken bones or accidents that would get you to the doctor but not hospitalised, you can get one for reimbursement of bills.