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拓终身护保范围 更灵活退休年金 – 网民吁改善社会保障机制

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政府推出终身护保和公积金两大社会保障机制,为国民在紧急或突发变故陷入困境之际,拉起安全网渡过难关。新加坡公积金制度获世界经济论坛表扬,值得他国仿效借鉴。然而网民仍呼吁本国社会保障机制能继续改善,才能让真正有需要的人受惠。

随着社会人口老龄化、避免乐龄人士提早用光积蓄,终身入息计划的推出,鼓励国民在55岁时,可选择把公积金放入年金计划(CPF LIFE)直到65岁,依条件每月派生活费用,确保在晚年仍有一笔持续收入。

如今,公积金年金计划的最低储蓄额将在明年提高至17万6000新元,2020年则达到18万1000新元,相信政府在未来仍会逐步增加数额。

至于不足最低储蓄额者,则可作产业抵押,半额的最低储蓄额获保留(8万5千500新元),预计到65岁的每月收入如下:

  • 720-770新元(8万5千500新元- 最低储蓄额半额)
  • 1320-1410新元(17万1千新元-最低储蓄额)
  • 1910-2060新元(25万6500新元- 存入最低储蓄额的1.5倍)

然而,公积金局并不是自动给付上述收入,在届满65岁前6个月,需通知公积金局,否则就将自动延续到70岁才开始获得每月收入。

不过,网民mentalchase认为可能只有21巴仙的公积金会员在55岁能够达到公积金最低储蓄额,而且还得算上5万4000新元的健保储蓄。这意味着,79巴仙的会员可能无法从中受惠。

“即使把派收入岁数延后到60岁,也无法改变普通民众收入在30年工作后也无法实现完全退休的事实。”

脸书用户Brian Wong指出,他只想在55岁提出自己的公积金,落实自己的生活方式,意为着不是所有民众赞同公积金过于僵硬缺乏弹性的发放机制。

网友jessie也指出,政府要推出的是乐龄养老金,解决乐龄人士基本生活需求,一味延迟发放公积金显示政府并不理解草根的心声。

身护保定义含糊

虽然政府等多个单位一再为终身护保背书,称这项将取代乐龄健保的计划能够为投保者带来更高的索偿回酬。然而对乐龄健保的体验令民众对两年后推出的终身护保,持保留态度。

民众都需缴付高额保费,然而如何定义“严重伤残”才能成功索偿,是政府说了算。诚如‘网络公民’早前采访的一名专业护士透露,只有晚期癌症或其他病入膏肓者,乐龄健保索赔几率较大,为此高保费的终身支付保障,真正的受惠幅度不大。

乐龄健保的获保范围过于狭隘,也造成民众诟病。例如早前已身陷视障的张先生,明显生活已陷入不便,亟需向职总英康索偿渡过难关,然而却被指“仍有能力在三项日常起居中自理”而遭拒绝。张先生申请健保碰钉子的个案,只是众多问题的冰山一角。

在乐龄健保下,如残疾而无法在淋浴、更衣、进食、如厕、在室内走动和上下床和坐上椅子或轮椅等,只要其中或超过三项无法自理,即可向保险公司索偿。

如同公积金,原本是民众仰赖的社会安全网,也同样是来自人民的血汗钱。乐龄健保若在投保者危难关头无法排上用场,就没有任何意义。间中的繁文缛节把许多有需要的人士拒于门外。

有脸书用户Paul Tan挖苦,要成功索偿好比中万字票,这就是为何保费收得多但是陪偿率少。终身护保又是强制购买,而且投保的年龄段提早到30岁,意味将征收更多保费,如果是私人公司推出的保险,谁会买?

网民Andrew Leung就认为,全民医疗保障的配套不应过于单一,例如可提供失业保险和残疾收入保障等配套,符合不同情况的需求。

ForumReader也促请应设立审查机制,让民众可以申诉不获保险公司审批的个案,确保合理的索偿不被无故推托拒绝

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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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