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会员欲提存款付女儿学费遭拒 公积金局为解答投诉疲于奔命

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最近中央公积金局有点忙,忙着回答在网络上被网民们疯传的各种提问。

先是有脸书用户Desmond Chua于21日在脸书申诉,会员退休金户口(Retirement Account)中一半的资金被转入公积金终身计划(CPF Life Plan)中,且在过世后无法享有利息,非常不公平。

再来,是民众林国良(译音)投诉无法提1万5000元公积金存款,为女儿还大专学费。

Desmond Chua说,55岁后,公积金局将他账户中的7万7500元转入公积金终身入息标准计划(CPF LIFE Standard Plan)中,留下另外七万余元在他的退休户口。

申诉终身入息没利息对会员不公

他被告知,退休金户口内的资金每年还有利息,但是在终身入息计划中就没有。“我向官员投诉,终身入息计划中没有利息,对会员是不公平的。我也问她,若我没有活到65岁会怎么办?我的家人会得到多少?她的回答是7万7500元以及退休账户中所拥有的资金。

我问她,如果你将钱存入银行四年后,银行告诉你,你将不会有任何利息时,你会有什么感受。这样公平吗?她无法作答,只是要求我写信做出申请和要求答案。这就是现在的新加坡公积金局和政府。”

Desmond Chua的帖文在社交媒体上广传,也引来公积金局在26日作出回应回应,指1958年或之后出生的会员,都被强制纳入公积金终身入息计划中。

“公积金计划不是银行户口”

当局指该计划并不是银行户口,利息是以风险共担的方式进行,且55岁就加入计划可获得约10巴仙更高的支出。

文中指出,当局曾经发出三封信函给Desmond Phua,首两封信函是请他选择要加入的终身计划,第三封则通知他,他已经被纳入终身标准入息计划了。

公积金局强调,相关计划是年金保险,不是银行户口。赚取的利息会被汇集起来,让会员能够获得每月支出,就算他们的年金保险费用完了,有关的支出横沟支撑他们的生活。同样的,在领取入戏年龄前过世的成员,将会失去他们的汇集利息。“这就是风险共党的方式。”

当局也指出,55岁就加入终身入息计划,能够让会员获得大约10巴仙更高支出。“这在年金保险中是普遍且公平的。”

当局在帖文后更做出呼吁,要求民众将以上信息多转发出去。

欲提公积金为女儿还学费遭拒

至于另一位年届60岁的事主林国良,则到公积金局询问,有意提取其公积金存款为女儿还大专学费。

林先生的女儿在南洋艺术学院深造,需要约1万5000万元缴学费。而他的公积金存款也还有七万多元。但他被告知,存款额因”未达基本最低存款(Basic Retirement Sum)“而遭当局拒绝。

他向公积金官员求情,要求特别处理,他声称对方回答“非常直接”,说“可以申请,但机会是零。”

“我感到受骗、屈辱和愤怒。多年来流汗流泪努力存钱在公积金。那原本就是我的钱。当我需要时,却拿不出自己的钱来帮我女儿缴学费。

作为父亲,我想帮自己的女儿… 难道要我去借高利贷吗?难道要我女儿停学吗?”

他相信不仅是自己面对类似处境,”这样的政府,竟如斯对待新加坡人,我还能相信他们吗?“

对于林国良的提问,公积金局也慎重其事在28日回复,重申林国良的”基本退休“存款不足,为此让他提出钱来缴女儿学费不妥。

公积金局还建议,林国良应该寻找其他更好的方案,来支持女儿继续深造,”我们已与林先生商谈其它替代选择,南洋艺术学院也会与他联络。“

另一方面,公积金局表示,在检阅录像视频后,“对职员以冷静和专业态度服务林先生感到满意。林先生已解释他当时感到诅丧,惟已作出道歉,也获得职员接纳。”

林国良感谢热心民众关心

不过此事还有后续,当事人林先生在昨日在脸书更新贴文,表示女儿的学费问题已获得至亲相助解决。

他坦言,过去数日,自己担忧女儿的前途而倍感压力,“我相信还有许多人也面对和我相似的问题,希望你们能比我更幸运。”

但他表示,最令他感动的是,在这总是繁忙和生活节奏充满压力的都会国家,他没想到还有成千的热心民众愿意给与协助,“他们和我讨论如何解决我女儿的学费,给与我建议,甚至是安慰我。有者帮我查看相关资料… 对于你们所做的一切我很感动,也由衷感激,也不知如何报答大家,希望能和你们都做朋友。”

他透露,甚至还有很多人联系他,愿意提供金钱上的协助。

是谁让公积金局疲于奔命?

话说回来,公积金局面对如此疲于奔命的局面,又是谁造成的?为何会员面对公积金条例如步入迷宫,复杂之余也导致群众常常感到困惑混淆?
 
更重要的是,为何当局无法相信新加坡人的智慧,由国人自己去管理自己储蓄的钱?在一些时候我们都有不同的需要,可能是至亲急于一笔钱应急,或是需要用于治疗等等,特别是退休会员在没有其它收入的情况下,有存款却不能解燃眉之急,那种焦虑和压力当权者可能体会?
 
为何不拓展不同类型的公积金储蓄配套,让国人可以弹性选择,依自己的所需选择储蓄方式,而不是强制性让国人只能服从一种制度,为国人增添诸多不便。
 
如果当权者仍不愿聆听百姓的意见,类似的疑问和不满仍会继续出现,民怨和对政府的不信任感只会日渐积累。

关于公积金终身入息计划:

公积金终身入息计划是一项 “终身享有年金”的计划,由我国政府支持,在此计划下的会员将在其退休后享有定期收入。

在1958年或之后出生的我国公民和永久公民,在其年满65岁的可领取入息年龄(PEA)之前六个月,若其公积金退休金户头拥有至少6万元,将制动转入终身入息计划。

至于没有被自动转入终身入息计划的会员,可以再年满65岁后,或80岁之前的一个月,申请加入计划。

如果会员已经被转入终身入息及华,他们只有在身体或精神上证明无法工作了、在预期寿命内遭到严重伤害、在心智能力法令(Mental Capacity Act)下被鉴定缺乏能力,或者决定永久离开我国和马来西亚半岛时,可以推出该计划。

永久离开新加坡而居住在马国半岛,以及那些已享有每月养老金,且完全豁免使用退休金户口资金的马来西亚人,只能选择推出该计划。

如果已经被纳入终身入息计划的国人或永久居民,没有符合以上任何条件,将无法自行推出有关计划。

而在终身入息计划中的利息支付,也会和退休金户口的利息支付有所不同。

虽然会员终身入息计划中的存款能够继续赚取4巴仙的利息,就和退休金户口的一样,但是前一计划中所赚取的利息将“支付给终身收入基金,并将会所有加入该计划的会员利息汇总在一起”。

这意味着,在终身入息计划下的利息将在会员尚存时,作为每月资金支付他们,但是若会员们退出计划或离世了,有关的利息将不会退还给会员或他们的近亲。

在该计划下,近亲在会员过世后能够得到的金额,是该会员加入计划的储蓄,减去了离世前收到的每月支出后所剩。

公积金局官网声明到:“当您去世时,我们将退还任何剩余的退休金户口储蓄,以及所有未动用的公积金终身入息计划的年金保险(不包括利息)”。

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Ng Eng Hen: Dust clouds likely caused armoured vehicle collision during Exercise Wallaby

Dust clouds limiting visibility likely contributed to the collision between two Hunter vehicles during Exercise Wallaby, Defence Minister Ng Eng Hen explained in his parliamentary reply. 12 servicemen sustained mild injuries, but safety measures prevented more serious outcomes. A formal investigation is ongoing to ensure further safety improvements.

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SINGAPORE: Low visibility caused by dust clouds was identified as the likely cause of the collision between two Hunter armoured fighting vehicles (AFVs) during Exercise Wallaby last month, Defence Minister Ng Eng Hen said in a written parliamentary response on Tuesday (15 October).

The incident, which occurred in Queensland, Australia, on 24 September 2024, resulted in mild injuries to 12 servicemen.

Dr Ng’s statement was in response to a parliamentary question from Mr Dennis Tan, Workers’ Party Member of Parliament for Hougang SMC.

Mr Tan asked for details on the accident, specifically its cause and whether any lessons could be applied to enhance training and operational safety within the Singapore Armed Forces (SAF).

The collision took place during a night-time movement of Hunter AFVs at the Shoalwater Bay Training Area.

The vehicles were returning to base when one rear-ended another. Dr Ng explained that the dust clouds generated by the AFVs’ movement significantly impaired visibility, might likely contributing to the accident.

The 12 affected servicemen sustained mild injuries and were promptly taken to the nearest medical facility.

None of the injuries required hospitalisation, and all 12 servicemen were able to rejoin their units for training the next day.

According to the minister, adherence to safety protocols—such as wearing seat belts and protective gear—played a crucial role in limiting the injuries to mild ones.

Following the incident, a safety pause was immediately implemented, with all drivers being reminded to maintain proper safety distances, especially when visibility was compromised.

Troops were also reminded to adhere strictly to safety protocols, including the proper use of safety equipment, Dr Ng added.

The safety lessons from the incident were shared not only with the affected units but also with other participating groups in the exercise, as well as units back in Singapore, through dedicated safety briefings.

Mr Tan also asked about the broader implications of the incident. In his response, Dr Ng said that a formal investigation had been launched in accordance with SAF’s safety incident protocol.

The investigation aims to assess the circumstances more thoroughly and identify any further measures that could be taken to enhance safety.

Dr Ng shared that recommendations arising from the investigation will be implemented where necessary.

Exercise Wallaby is SAF’s largest unilateral overseas exercise, and the 2024 edition began on 8 September, running until 3 November.

The exercise involves approximately 6,200 personnel, including 500 operationally ready national servicemen.

The exercise has been conducted at Shoalwater Bay Training Area in Queensland since 1990, and it is a key part of SAF’s overseas training program.

The Hunter AFV, one of the vehicles involved in the collision, is a state-of-the-art platform jointly developed by the Defence Science and Technology Agency, the Singapore Army, and ST Engineering.

It replaced the SAF’s aging fleet of Ultra M113 AFVs in 2019, which had been in service since the 1970s. The Hunter is equipped with advanced features, including a 30mm cannon, a 76mm smoke grenade launcher, and an automatic target detection and

tracking system designed to enhance operational effectiveness. It is also capable of traveling at increased speeds and covering longer distances, making it a versatile asset for the SAF.

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Government to “carefully consider” Lee Hsien Yang’s demolition application for 38 Oxley Road

The Singapore Government will “carefully consider” Mr Lee Hsien Yang (LHY)’s application to demolish the house at 38 Oxley Road. LHY announced his intent on Tuesday morning following the recent death of his sister, Dr Lee Wei Ling, reaffirming his commitment to honour his parents’ wish for the house’s demolition.

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The Singapore Government has indicated that it will “carefully consider” Mr Lee Hsien Yang’s (LHY) application to demolish the family home at 38 Oxley Road.

LHY, the youngest son of Singapore’s founding Prime Minister, the late Lee Kuan Yew (LKY), announced his intention to apply for the demolition in a Facebook post on 15 October 2024, following the death of his sister, Dr Lee Wei Ling, on 9 October.

The announcement marks a significant development in the ongoing saga over the fate of the historically significant property, which has been at the heart of a family dispute since LKY’s passing in 2015.

In his will, executed in December 2013, LKY expressed his desire for the house to be demolished “immediately after” Dr Lee moved out of the property. Dr Lee, a prominent neurologist, had been the last remaining resident of the house.

LHY reaffirmed his commitment to carrying out his father’s wishes, stating, “After my sister’s passing, I am the only living executor of my father’s estate. It is my duty to carry out his wishes to the fullest extent of the law.”

He added that he would seek to build a small private dwelling on the site, which would be “held within the family in perpetuity”.

LHY also referenced his brother, Senior Minister Lee Hsien Loong’s (LHL) remarks in Parliament in 2015, when he was Prime Minister, stating that upon Dr Lee’s passing, the decision to demolish the house would rest with the “Government of the day.”

In response to media queries regarding LHY’s announcement, a spokesperson for the Ministry of National Development (MND) acknowledged the intended application and emphasised that the Government would “carefully consider issues related to the property in due course”.

The spokesperson also highlighted that any decision would need to balance LKY’s wishes, public interest, and the historical value of the house.

The house at 38 Oxley Road, where key decisions about Singapore’s path to independence were made, has been a focal point of public and political discussion.

The future of the house became contentious in 2017 when LHY and Dr Lee publicly accused their elder brother, LHL, of trying to preserve the house against their father’s wishes for political reasons.

LHL denied the accusations, issuing a Ministerial Statement in Parliament, where he also raised concerns over the preparation of their father’s final will. He clarified that he had recused himself from all decisions regarding the property and affirmed that any government action would be impartial.

In 2018, a “secret” ministerial committee, which was formed in 2016 to study the future of 38 Oxley Road, proposed three options: preserving the property and designating it as a national monument, partially demolishing the house while retaining the historically significant basement dining room, or allowing complete demolition for redevelopment. LHL accepted the committee’s conclusions but stated that no immediate decision was necessary, as Dr Lee was still living in the house.

In a statement conveyed by LHY on behalf of Dr Lee after her passing, she reiterated her strong support for her father’s wish to demolish the house. “My father, Lee Kuan Yew, and my mother, Kwa Geok Choo, had an unwavering and deeply felt wish for their house at 38 Oxley Road to be demolished upon the last parent’s death,” the statement read.

She added, “He had also appealed directly to the people of Singapore. Please honour my father by honouring his wish for his home to be demolished.”

Despite selling the house to LHY at market value in 2015, LHL’s stance regarding the house’s preservation became a public issue, especially after the family disclosed that the Government had raised concerns about reinstating the demolition clause in the 2013 will. The ministerial committee had reviewed the matter, but a final decision was deferred until now.

The fate of 38 Oxley Road remains to be seen, but the Government’s decision will likely have lasting implications for the legacy of the Lee family and the conservation of Singapore’s historical landmarks.

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