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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

by 网络公民
11/06/2018
in 观点
Reading Time: 1 min read
0

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。

终身护保定义含糊

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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