Hi anon, I am so sorry to hear of your situation, but reading the other answers and your responses as well, it looks like legal recourse is out of the picture. The big picture stays the same: Build income streams, and keep liquidity as a buffer. Income streams have two forms: Guaranteed and Variable. On the Guaranteed side, it's really about annuities. Stable, guaranteed income streams for a period of time, or even for life. They form the bedrock of your portfolio to deal with basic living expenses. CPF Life is one of the best there is, so if you can work part time, do ensure that you get CPF contributions. As long as you contribute to CPF, you'll have a decent amount when you turn 55. Private annuities can be used as an inflation hedge or to complement. For Variable, you have stocks, ETFs, UTs. All carry risks, without any guarantee of dividend, but their yield will be higher. The finer details can be very lengthy to talk about, so I won't elaborate here. The trade off, as always, is risk. Volatility can and will cause emotions to run high, so if you are good at managing that, you can allocate a higher proportion to Variable asset classes. Get a good mix of both in your portfolio (start with a 50/50 split first and adjust in accordance with your preferences), keep a year worth of rainy day funds, and keep spare cash as a warchest to leverage on opportunities. Keep the hospitalization. The ILP has to be kept too at the moment, since you are very unlikely to be able to get a policy in future as long as there is medical underwriting involved. However, don't give up hope! Medical advances may mean that your situation could be reversed years down the road. I wish you all the best!