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读者不满领入息需28年 公积金局辩称确保“老有所养” 后八年支付“额外利息”

by Yee Loon
01/02/2019
in 中央公积金, 新闻, 时事, 社交媒体, 观点
Reading Time: 1 min read
0

早前有读者Zol反映,自己的中央公积金退休存款入息被延长28年至93岁,致使他未来每月只能领取482元的入息。他质问,公积金局怎能随意决定会员该如何提取自己的存款?

于是,公积金局透过脸书回应这名会员,会员还是用20年领取退休户头储蓄,但是之后的八年,则是公积金支付的额外利息,帮助会员拉长支付期。

公积金认为,国人的寿命已经延长至90余岁,为此拉长支付期,乃是确保公积金会员可以获得足够的入息,确保“老有所养”。

公积金对于首三万元储蓄赋予两巴仙利率,下个三万元赋予一巴仙利率。对于这名会员的个案,则额外入息可以延长八年。

“他也可以加入公积金终身入息标准计划(CPF Life Standard Plan)来享有更高的终身入息。”

早前,Zol申诉每月482元显然不足以应付日益膨胀的生活开支,他参考新加坡平均寿命85.4年,向公积金局申请把派息期限缩减到20年和增加每月入息。

然而“爱民如子”的公积金局担心,Zol到了老年可能过早把退休储蓄用完,为此拒绝了Zol的申请。

在公积金给Zol的回函中解释,到了55岁若符合全额退休存款(FRS)(约17万6000元),加上4巴仙利息,到了符合入息年龄,20年内每月可提取910元。但是无法达到全额退休存款者,则会按比例获得入息,最低为每月250元,而Zol的情况下是28年每月入息482元。

由于和妻子膝下无子女,意味着Zol夫妇的存款没有继承/受益人,所以他延长提取入息期限到28年是不合逻辑的。

根据《联合早报》报导,也有另一同样在今年满65岁的公积金会员翁益华,也遇到类似问题,他的入息也被拉长到29年,每月领1000余元入息。

公积金局批准另一会员缩短期限申请

他说,他和太太都有填补公积金储蓄,而太太在前年领取入息,时限长达22年,也以为自己的入息也是22年左右。

“虽说公积金局是为我好,让我用较长时间领入息,但是我不觉得自己会这么长命,因为我家庭基因也不是很长寿。”

“如果22年后入息领完了我还在,也不担心,因为我还买了年金,终身都有保障。”针对记者询问,他为何不加入公积金终身入息计划,他则表示至少退休存款计划,能让自己清楚看到户头里还剩多少钱,自己才比较安心。

不过他也指出,公积金局后来把他的领入息期限缩短到22年,每个月入息增至1200元。

他认为,现在物价昂贵,公积金里的钱也是他辛苦赚的,当然希望自己在有生之年,每月多拿一些。

公积金局也特别透过《早报》专栏答复翁益华:

根据公积金局的答复,指出会员若为公积金户头填补存款,将能提高每月领取的入息数额。而如果填补超过全额存款(Full retirement sum),可以延长每月入息的领取期限,但会员也能要求提高领取每月入息数额。

但问题来了,既然公积金局批准让翁益华缩短领入息期限以提高入息数额,却为何回绝了Zol的申请呢?

网民:额外利息应安排在20年内支付

许多网民也对此事留言评论。也有网民直接质问,见过有不少国人活到80岁前就离开,有些甚至是那些为了赚钱养家面对生活压力的年轻人。即是是派额外利息,也理应可以缩短到在20年内支付。

莫哈末沙希:公积金局理应设定在65岁就自动支付入息。不同年龄领入息反而让许多年长者混淆,不如就规定在特定年龄,也可以简化公积金局自身的程序,也有助厘清许多网传不实谣言。

“再者,你说许多国人可以活超过90岁,能否提供却是有关国人死亡年龄的数据?”

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