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连氏基金长期护理研究(2)– 终身护保索赔条件严苛 学者:依级别赔付扩大安全网

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连氏基金会和国立大学社会科学研究所两位助理教授何琳贻黄瑞莲,针对我国长期护理前景进行研究。

除了昨日《海峡时报》所报导,强调更多年长者选择居家或中心式看护服务,且成本高昂,显示有必要提升现有社会保障机制。有关研究报告也针对现有医疗保健政策提供建议,特别呼吁应改善终身护保计划(CareShield Life)的受保赔付条件,让保户获得较广泛的保障。

报告列举出一些新的看护政策或计划逐步涌现,例如整合式居家和日顾计划(IHDC),让那些无法离开住家的年长者,中心能暂时派看护人员到家服务,至于那些在家护理者,则被鼓励在行动便利下能转移到中心接受看护。

至于“活跃乐龄中心”也在新的公共组屋区提供整合式乐龄看护服务,例如日顾、复健和代送日用品等。

“近年来,私人领域填补了乐龄看护领域的空洞,特别是针对想获得更多元和专属服务的中产和中上阶级。自愿福利组织也开始与私人业者合作。”

该研究发现,缔造获颁关系是实现规模经济和专业化的有效手段,同时也能落实提供全方位和持续性服务的目标。研究也认为,社会与家庭发展部把社会关怀任务,转交给卫生声部,使得看护领域获得更集中的规划和精简化,有望使该领域受惠。

研究报告欢迎政府推出终身护保计划,在应对长期护理成本日益攀升,提供民众保障。然而研究也点出其问题,包括终身健保符合赔付的条件严苛、相对较低的保赔和妇女需支付出更高保费。

去年仅6.6巴仙长者严重伤残

保户需符合严重伤残资格,即日常起居至少三项无法自理,才能领取每月600新元的赔付。然而,报告指出在2017年,只有6.6巴仙长者34千人面临严重伤残情况。这意味着,有大部分人都在符合申请赔付的范围外。

Elaine Ho指出,许多新加坡人的长期护理可能面对保障不足。在2017年,有三分之一年龄介于4084岁人士,仍未购买基础乐龄健保(ElderShield)。

年长者可选择是否参与终身健保,但有多少人愿投保也有待观察。例如女性基于较高的保费有可能选择不投保。再者,每三位购买乐龄健保的国人,只有一位有另购私人保险。

学者建议:终身健保依伤残情况赔付

终身护保规定,日常生活至少三项不能自理,才符合严重伤残定义以申请赔付。对此Elaine Ho也建议,可以改为根据有多少项日常起居无法自理,分等级给与相对的赔付,以此把保障范围也扩大至一些身患一定程度残障的国人。

慈善领域在长期护理仍扮演重要角色,我国有170个护理服务单位,其中三分之二都是自愿福利组织。虽有政府拨款和补贴,但政府发放拨款所依据的平均“标准成本”,和长期护理服务的实际成本仍有差距。

卫生部“标准成本”和实际居家看护成本差异,介于2037巴仙

服务类型

卫生部标准成本

实际成本

居家看护(一次拜访)

109

139.43

居家疗程(一次拜访)

129

205.09

居家个人护理(每小时计)

22.67(第一级)

22.78(第二级)

28.67

这是因为不同类型服务,例如居家护理的成本都有差异,其中一家服务提供者表示,即使已有政府津贴,提供低收入家庭的开销有29-41巴仙仍来自善心人士捐款。这也致使福利组织花更多时间筹募善款,显然不是长久之计。

除了透过保险分担风险,研究呼吁政府增加社区或居家护理的拨款。有鉴于人口加速老化和家庭微型化,我国各界更需要重新检讨改革社会契约,并提供更有保障和涵盖更多阶层的社会安全网。

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Reforming Singapore’s defamation laws: Preventing legal weapons against free speech

Opinion: The tragic suicide of Geno Ong, linked to the financial stress from a defamation lawsuit, raises a critical issue: Singapore’s defamation laws need reform. These laws must not be weaponized to silence individuals.

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by Alexandar Chia

This week, we hear the tragic story of the suicide of Geno Ong, with Ong citing the financial stress from the defamation lawsuit against her by Raymond Ng and Iris Koh.

Regardless of who’s right and who’s wrong, this Koh/Ng vs Ong affair raises a wider question at play – the issue of Singapore’s defamation laws and how it needs to be tightened.

Why is this needed? This is because defamation suits cannot be weaponised the way they have been in Singapore law. It cannot be used to threaten people into “shutting up”.

Article 14(2)(a) of the Constitution may permit laws to be passed to restrict free speech in the area of defamation, but it does not remove the fact that Article 14(1)(a) is still law, and it permits freedom of speech.

As such, although Article 14(2)(a) allows restrictions to be placed on freedom of speech with regard to the issue of defamation, it must not be to the extent where Article 14(1)(a)’s rights and liberties are not curtailed completely or heavily infringed on.

Sadly, that is the case with regard to precedence in defamation suits.

Let’s have a look at the defamation suit then-PM Goh Chok Tong filed against Dr Chee Soon Juan after GE 2001 for questions Dr Chee asked publicly about a $17 billion loan made to Suharto.

If we look at point 12 of the above link, in the “lawyer’s letter” sent to Dr Chee, Goh’s case of himself being defamed centred on lines Dr Chee used in his question, such as “you can run but you can’t hide”, and “did he not tell you about the $17 billion loan”?

In the West, such lines of questioning are easily understood at worse as hyperbolically figurative expressions with the gist of the meaning behind such questioning on why the loan to Suharto was made.

Unfortunately, Singapore’s defamation laws saw Dr Chee’s actions of imputing ill motives on Goh, when in the West, it is expected of incumbents to take the kind of questions Dr Chee asked, and such questions asked of incumbent office holders are not uncommon.

And the law permits pretty flimsy reasons such as “withdrawal of allegations” to be used as a deciding factor if a statement is defamatory or not – this is as per points 66-69 of the judgement.

This is not to imply or impute ill intent on Singapore courts. Rather, it shows how defamation laws in Singapore needs to be tightened, to ensure that a possible future scenario where it is weaponised as a “shut-up tool”, occurs.

These are how I suggest it is to be done –

  1. The law has to make mandatory, that for a case to go into a full lawsuit, there has to be a 3-round exchange of talking points and two attempts at legal mediation.
  2. Summary judgment should be banned from defamation suits, unless if one party fails to adduce evidence or a defence.
  3. A statement is to be proven false, hence, defamatory, if there is strictly material along with circumstantial evidence showing that the statement is false. Apologies and related should not be used as main determinants, given how many of these statements are made in the heat of the moment, from the natural feelings of threat and intimidation from a defamation suit.
  4. A question should only be considered defamatory if it has been repeated, after material facts of evidence are produced showing, beyond reasonable doubt, that the message behind the question, is “not so”, and if there is a directly mentioned subject in the question. For example, if an Opposition MP, Mr A, was found to be poisoned with a banned substance, and I ask openly on how Mr A got access to that substance, given that its banned, I can’t be found to have “defamed the government” with the question as 1) the government was not mentioned directly and 2) if the government has not produced material evidence that they indeed had no role in the poisoning affair, if they were directly mentioned.
  5. Damages should be tiered, with these tiers coded into the Defamation Act – the highest quantum of damages (i.e. those of a six-figured nature) is only to be reserved if the subject of defamation lost any form of office, revenue or position, or directly quantifiable public standing, or was subjected to criminal action, because of the act of defamation. If none of such occur, the maximum amount of damages a plaintiff in a defamation can claim is a 4-figure amount capped at $2000. This will prevent rich and powerful figures from using defamation suits and 6-figure damages to intimidate their questioners and detractors.
  6. All defendants of defamation suit should be allowed full access to legal aid schemes.

Again, this piece does not suggest bad-faith malpractice by the courts in Singapore. Rather, it is to suggest how to tighten up defamation laws to avoid it being used as the silencing hatchet.

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Man arrested for alleged housebreaking and theft of mobile phones in Yishun

A 23-year-old man was arrested for allegedly breaking into a Yishun Ring Road rental flat and stealing eight mobile phones worth S$3,400 from five tenants. The Singapore Police responded swiftly on 1 September, identifying and apprehending the suspect on the same day. The man has been charged with housebreaking, which carries a potential 10-year jail term.

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SINGAPORE: A 23-year-old man has been arrested for allegedly breaking into a rental flat along Yishun Ring Road and stealing eight mobile phones from five tenants.

The incident occurred in the early hours on Sunday (1 September), according to a statement from the Singapore Police Force.

The authorities reported that they received a call for assistance at around 5 a.m. on that day.

Officers from the Woodlands Police Division quickly responded and, through ground enquiries and police camera footage, were able to identify and apprehend the suspect on the same day.

The stolen mobile phones, with an estimated total value of approximately S$3,400, were recovered hidden under a nearby bin.

The suspect was charged in court on Monday with housebreaking with the intent to commit theft.

If convicted, he could face a jail term of up to 10 years and a fine.

In light of this incident, the police have advised property owners to take precautions to prevent similar crimes.

They recommend securing all doors, windows, and other openings with good quality grilles and padlocks when leaving premises unattended, even for short periods.

The installation of burglar alarms, motion sensor lights, and CCTV cameras to cover access points is also advised. Additionally, residents are urged to avoid keeping large sums of cash and valuables in their homes.

The investigation is ongoing.

Last month, police disclosed that a recent uptick in housebreaking incidents in private residential estates across Singapore has been traced to foreign syndicates, primarily involving Chinese nationals.

Preliminary investigations indicate that these syndicates operate in small groups, targeting homes by scaling perimeter walls or fences.

The suspects are believed to be transient travelers who enter Singapore on Social Visit Passes, typically just a day or two before committing the crimes.

Before this recent surge in break-ins, housebreaking cases were on the decline, with 59 reported in the first half of this year compared to 70 during the same period last year.

However, between 1 June and 4 August 2024, there were 10 reported housebreaking incidents, predominantly in private estates around the Rail Corridor and Bukit Timah Road.

The SPF has intensified efforts to engage residents near high-risk areas by distributing crime prevention advisories, erecting alert signs, and training them to patrol their neighborhoods, leading to an increase in reports of suspicious activity.

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