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Why Do We Have So Many Freaking CPF Polices?

These are some I could think of:-

Medisave
Medishield Life
Elder Shield
CHAS Green Orange Blue
Retirement Account
Ordinary Account
Maybe got more, I dont know.

Questions: Why so many shields? What are their purpose? Is it to deplete our fund? Can’t we have one total shield?

CHAS – so many colours to determine but again, the limit is set so low, anyone above $2000 a month of income is green! I could be wrong. But so why bother to send green card? Again, aren’t all these information already in our account, why bother to send these cards since we are supposed to fight climate change and stop using more plastic?!

We heard the age of withdrawing CPF completely is 90 years ago or 95 years, I lost count of how many times they updated. Our average death is age 73, how would they claim our life expectancy will be 90 or 95?

On what basis? Might as well put 200?

The policies keep changing, more and more silly schemes added, we paying more and more. Why?

 

WuJi

 

 

yyy
READER COMMENTS BELOW

40 Responses to “Why Do We Have So Many Freaking CPF Polices?”

  • KISS:

    Keep it simple and practical.
    Help where most needed.

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  • Whats going on here?:

    You are so right!
    Either some messy organisation was at hand or it was done with an evil purpose.
    All we truly need is to produce our NRIC.
    all records should be in right?

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  • Where do you think they got the money to pay their members millions for doing prasctically nothing?

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  • NotMyProblem:

    TRE Tech:
    Where do you think they got the money to pay their members millions for doing prasctically nothing?

    Are you referring to the 5 mayors?

    Tech: I was actually referring to members of the MIW club.

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  • SINGAROAR:

    This is created to allow them access to citizens’ retirement funds and to deny that many citizens require financial help because they did not fill up the many forms and put it up for approval.Smart City will have all our details.We only need our IC as such all the various cards and forms should be binned.

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  • Shady shields dont shield:

    Slim down or do away with the so called “shields” and put more of the peoples money in their own 2 hands.
    These shady shields dont shield us when we really need to be shielded, in tems of medical bills.
    Shields or scams?
    Cant blame us long suffering citizens from having such a thought.

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  • Singaporeans R Free Rider:

    TRE Tech:
    Where do you think they got the money to pay their members millions for doing prasctically nothing?

    Singaporeans are lucky to have PAP.

    Germany and whole of Europe now no energy
    supply and government decreed that citizens
    are not allowed to:
    1. turn on light and oven
    2. turn up heating, turn down instead
    Europe to burn horse dung
    https://bit.ly/3CQmT2G

    PAP is the best.
    PAP is Iphone while European gov is Nokia
    Get it ?
    You want good phone, you pay premium price.

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  • PISS:

    Push in, suck and suck …
    These leeches never stop.

    These leeches are compassionate.
    When person almost died,
    they push back 2 drops
    to make sure the person is alive
    For more suck and suck …

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  • Stupid Singaporeans Vote PAP:

    The real question is why keep voting PAP? If Sinkies are so so stupid why keep blaming them?

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  • Loh KK:

    In addition, for those seniors intending to buy the flexi flat, the price of the flat is calculated up to 95 despite SG’s life span at about 83.

    What this means is that the cash outlay is higher.

    The question is, how many are “lucky” to live beyond 83? Therefore, the G has a “buffer” of 12 years. This is to avoid a situation where our seniors live beyond 83. Thus, the G does not have to worry about spending money on those who live too long.

    To me it would be fairer if the “cut off” date is 88. This fulfils the G penchant of “covering their backside” should seniors live beyond 83 and at the same time the cash outlay to purchase these flats is lower.

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  • xoxo:

    For most ordinary sgs,the CPF saving is as good as gone.
    It is just a Sounds good feel good thing.
    As for the richer ones,CPF saving is mere peanuts.
    The intent n purpose of CPF are hollowed just like your CPF savings.

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  • idontbelieveinccpbs:

    Its obvious, they are broke, they are pushing all kind of new policies to milk our CPF dry, including pushing new BTO prices near million.

    I expect more schemes under the pretext of helping Singaporeans retire or protect against high medical cost will be incorporated to squeeze more from our CPF accounts and perhaps asking you to top up using cash. It is already happening to many seniors who were home makers. Now they allow strangers not related to these people to top up…. just show how desperate they are wanting to squeeze more from citizens.

    The only way to stop all these lousy and new policies is to VTO. No other way.

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  • stupid Free Rider votes pap:

    median wage is S$3,500 pm.

    HDB 99 years lease hold unit now costs over S$900k. those who are stupid enough to vote pap, the Free Riders, if they stupidly buy HDB at S$900k and only draw a salary at S$3,500 pm, confirm must blame parents like the Free Rider in TRE is blaming his parents everyday writing stupid stories about Dr Tsai Ing Wen or about his parents.

    at age 55, MAJORITY of free riders have zero to contribute into RA.

    these stupid free riders should wake up, vote out pap, so that they can buy HDB at S$99k, and perhaps, then, have enough money left to contribute to RA.

    there is no other way.

    continue to behave like the Free Rider in TRE, confirm zero contribution to RA at age 55 when HDB is bought at S$900k.

    stop blaming your parents, that is, stop behaving like the Free Rider stupidity everyday here in TRE blaming his parents or Dr Tsai Ing Wen.

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  • NotMyProblem:

    What we need is only one plan. The plan that ex-minister Khaw has. $8 for heart operation!

    Can CPF be simplified to that?

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  • Singaporean R Free Rider:

    idontbelieveinccpbs: Its obvious, they are broke, they are pushing all kind of new policies to milk our CPF dry, including pushing new BTO prices near million.

    On the contrary, it is your great demoncratic Americunt that is broke that need to resort to stealing, just like how the Chinese steal our SouZhou Park.

    The United States is stealing Afghanistan’s money and Syria Oil
    https://www.washingtonpost.com/outlook/2022/02/14/united-states-is-stealing-afghanistans-money/

    https://moderndiplomacy.eu/2022/08/21/reason-u-s-stays-in-syria-revealed-to-steal-its-oil/

    https://morningstaronline.co.uk/article/w/us-occupying-forces-steal-more-80-cent-syrias-oil-ministry-says

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  • Drug addicts:

    People who owes $ monies and drug addicts has many excuses too in looking for $.typical behaviours!

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  • Drug addicts:

    Looking very very hard for levies workers instead of cpf type workers?

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  • No peace at all:

    SERS is another scam*&><£#@ ahem, scheme to suck up more money from us peasants' CPFs and other ways.
    The homeowners shd just be accorded another flat comparable to the old flat market value or less…( if less , the owner shd be compensated).
    My sis was one SERS victim few years back…she thought she'd just be alloted a replacement flat and thats that..
    …but was shocked when infd she had to pay for this and that….came up to few $1000s!
    Now SERS is scary !
    Im tending to believe what others are saying,that our gov is bankrupt..

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  • Restriction at $300 per annum:

    Medisave can only be used for $300 per annum. Already a scan or MRi already above $500. Shouldnt the amount be increased with increase in outpatient checks, scans and MRI especially more required after COVID jabs!

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  • myfirstscrew:

    Push BTO prices million and many new CPF policies to deplete our fund and also asking us to top up.

    Objective is clear, they are broke.

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  • Relax:

    @Singaporeans R Free Rider:
    “PAP is Iphone while European gov is Nokia
    Get it ?
    You want good phone, you pay premium price.”

    Response: beauty is in the eyes of beholders (情人眼里出西施).

    Don’t forget finance minister’s teaching – strive to live within our means and to get the best outcome from every dollar. We must always think long-term about our finances.

    Just wondering which phones are ministers using?

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  • Temusik Patriot:

    Cunt CONvince??? CONfuse lah!!!

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  • C’est la vie:

    ******
    Oh, … that question of questions, ……

    Why do we have so many freaking CPF policies ???, just like, …

    Why do we have so many freaking Mayors ???, just like, …

    Why do we have so many foreign talent ???

    And, … the reason is, …

    To better confuse you, to better spend your monies, to better marginalise you, to better engage and employ our cronies, … and to better reward ourselves !!!

    Thank you for all thee above, … citizens of StupidPore !!!
    ***
    ******

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  • Singaporeans R Free Riders:

    Relax:
    @Singaporeans R Free Rider:
    “PAP is Iphone while European gov is Nokia
    Get it ?
    You want good phone, you pay premium price.”

    Response: beauty is in the eyes of beholders (情人眼里出西施).

    Don’t forget finance minister’s teaching – strive to live within our means and to get the best outcome from every dollar. We must always think long-term about our finances.

    Just wondering which phones are ministers using?

    Yes, that is true. Live within our means.

    If you earn S$1000, live within S$1000.
    If you earn S$10,000 live within S$10,000 and help the real needy if can.

    How many irresponsible Singaporeans actually tried to live it up even they could hardly afford it ? Pastor Sun, Venerable Ming Yi, Jack Chua ?

    Jack Chua used all his money on mistress and never contribute a single towards his son upbringing…

    https://bit.ly/3PMVWB3

    Should we help irresponsible people like Jack Chua ?
    Your answer ?

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  • Unless you are a millionaire with plenty of cash to spare, you can forget about ever withdrawing your CPF till the day you meet your maker, PERIOD.

    CPF started off Good policy, its has turned into a Bad policy with the changing of the old guards and with the latest 4Gs, it’s now an Ugly policy.

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  • Relax:

    @Singaporeans R Free Riders:
    “How many irresponsible Singaporeans actually tried to live it up even they could hardly afford it ? Pastor Sun, Venerable Ming Yi, Jack Chua ?”

    Response: they already paid the price. Evil can never prevail over good (邪不胜正).

    Is Jack chua a Singaporean? I thought is PR?
    Not all people in singapore must be singaporean, likewise not all singapore citizen must be true blue citizen. Upbringing and value is different.
    (My neighbours are all foreigners)

    @”Should we help irresponsible people …. ?”

    Response: In the eyes of buddhism, there is no right or wrong, just karma (没对错,只有因果). Let go of persistent to right or wrong (不要分别), you will be a happy volunteer.

    Thanks for being a volunteer in grassroot, is not an easy job.
    Just wondering why you think singaporeans are lazy?

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  • idontbelieveinccpbs:

    Delay in withdrawl till 90 or 95 is a PAPPY cunning plan to avoid paying out, it has nothing to do with our health.

    And then they keep advertising using the same survey company Mercer that CPF is the best retirement fund in Asia and been repeatedly done every year for so many years.

    Australia, Japan and China all on pension and medical is almost full coverage with withdrawal after 55…. CPF nothing compared to them.

    The MSM is heavily manipulated and many sponsored articles by social media like Yahoo, Mothership… and also survey companies to print articles to bluff local sheep.

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  • P Against People:

    You know the real reason it is ranked #1? The survey dare not say it.

    It is #1 because the government makes tons and tons of money out of the pension. Other governments have to cough up tons and tons of money to the pension. F–k the robbers.

    idontbelieveinccpbs:
    Delay in withdrawl till 90 or 95 is a PAPPY cunning plan to avoid paying out, it has nothing to do with our health.

    And then they keep advertising using the same survey company Mercer that CPF is the best retirement fund in Asia and been repeatedly done every year for so many years.

    Australia, Japan and China all on pension and medical is almost full coverage with withdrawal after 55…. CPF nothing compared to them.

    The MSM is heavily manipulated and many sponsored articles by social media like Yahoo, Mothership… and also survey companies to print articles to bluff local sheep.

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  • Singaporean R Free Rider:

    Relax:
    @Singaporeans R Free Riders:
    “How many irresponsible Singaporeans actually tried to live it up even they could hardly afford it ? Pastor Sun, Venerable Ming Yi, Jack Chua ?”

    Response: they already paid the price. Evil can never prevail over good (邪不胜正).

    Yes. Evil prevails when good men fail to act.

    Luckily we had good men (PAP) and acted to bring them to justice.

    Yes, only good men PAP could rid the streets of gangsters and evil CCP(Chinese Chauvinist Pig) and religion extremist.

    Only PAP can bring peace and security to the peasants.

    Please vote good men PAP.

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  • Singaporean R Free Rider:

    Relax:
    @Singaporeans R Free Riders:
    Is Jack chua a Singaporean? I thought is PR?
    Not all people in singapore must be singaporean, likewise not all singapore citizen must be true blue citizen. Upbringing and value is different.
    (My neighbours are all foreigners)

    Going by illogical buddhism, there is no right or wrong, just karma (没对错,只有因果)

    Applying this illogical buddhism logic, so there should be no distinct different between foreigners and Singaporeans.

    Just human ? Correct ?

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  • Singaporean R Free Rider:

    Relax:
    @Singaporeans R Free Riders:
    @”Should we help irresponsible people …. ?”

    Response: In the eyes of buddhism, there is no right or wrong, just karma (没对错,只有因果). Let go of persistent to right or wrong (不要分别), you will be a happy volunteer.

    Thanks for being a volunteer in grassroot, is not an easy job.
    Just wondering why you think singaporeans are lazy?

    What kind of world is this if there is no right and wrong?

    Liar can be President using fake degree…

    And when caught red handed lying, Liar use state resources to persecute the people who tell the truth ?

    Don’t have to thanks me.. LKY said before, “A society to be successful must maintain a balance between nurturing excellence and encouraging the average to improve.”

    BK said it correctly that our backyard is ASEAN. I volunteer in Myanmar, Malaysia and when I volunteer for Singapore, I pui pui pui them.

    Some mother farker just don’t deserve help. You help them they turn around and accuse you of being dictator, interfering with their freedom.

    Free Rider ..see my next post.

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  • Singaporean R Free Rider:

    @Relax… you want to help such Singaporean?

    There are many such Singaporeans out there if you really walk the ground.

    P Against People:
    You are such a dictator. For $12, you want control over a person’s life. Ask yourself, do you want to be a slave for $12?

    Singaporean R Free Rider: Good luck to you trying to motivate Singaporeans who are largely
    1. whiner,
    2. lazy,
    3. unmotivated and
    4. unrealistic.

    One old man live in an old old HDB flat in the east had cancer and asked for financial aid to pay for the medicine. (one pill cost about SGD 12 at that time)

    We agreed to help with one simple conditions:
    1. change his lifestyle.
    (no more smoking, no drinking beer, healthier diet etc)

    He agreed. One month later, we revisited him and his wife told us he has not change.

    He continue his usual self, smoking, drinking, eat mutton soup… etc.

    Question:
    Should you care and help people who :
    1. don’t care about his own health condition,
    2. don’t give a fiack for your goodwill assistance
    3. don’t want to take responsibility for his life ?

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  • Relax:

    @Singaporean R Free Rider:
    “Applying this illogical buddhism logic, so there should be no distinct different between foreigners and Singaporeans.

    Just human ? Correct ?”

    Response: singaporeans,foreigners even human are just ‘names’ for communication purposes.
    Applying the name ‘on surface’ that you used before, there’s difference among humans but look deeper, they are the same. The differences are greediness, hatred and ignorance. However if look deeper again, everything comes from mind( 一切为心造).

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  • Relax:

    @Singaporean R Free Rider:
    “We agreed to help with one simple conditions:
    1. change his lifestyle.
    (no more smoking, no drinking beer, healthier diet etc)”

    Response: it is not easy for people to kick their behaviour easily (习性难改).
    I always wonder if cigarettes and liquors are not good, why can’t govt stop all these stuff?
    If no such stuff, probably there will be lesser health issue (2nd hand smoke) and social issue (fighting after drunk). Probably also lesser financial aids needed?

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  • Relax:

    @Singaporean R Free Rider:
    “What kind of world is this if there is no right and wrong?”

    Response: a story on how to differentiate world’s right or wrong.

    https://youtu.be/kjSPr190Mv4

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  • Singaporean R Free Rider:

    Relax:
    @Singaporean R Free Rider:
    “What kind of world is this if there is no right and wrong?”

    Response: a story on how to differentiate world’s right or wrong.

    https://youtu.be/kjSPr190Mv4

    Thanks for sharing…essentially what the speaker trying to say is that we must not judge right or wrong without in depth understanding the person’s background.

    This is correct.
    We must have evidence before we act. 有一份證據,說一分話,行一份事。

    That is why our great PAP implement mean testing before dispensing aid to the applicant.

    Let me share with you 1 case:
    Case #1 A family apply to our VWO for financial assistance.
    1. We make appointment with the mother to visit them on Sunday 9am to assess their financial situation. Mother agreed.
    2. Sunday 845am we called the mother that we are coming but she stop us giving excuse that her children are still sleeping and told us to come at 11am instead.
    3. This time we called at 11am sharp and guess what the mother say?
    Mother said : Oh, please don’t come. We are outside already.

    Needless to say, no aid for them since they do not allow background check and verification.

    Only stopid people like Gilbert will dispense financial aid without background checking and got scammed big time.

    https://theindependent.sg/activist-files-police-report-against-woman-who-said-she-lied-about-being-evicted-by-hdb-to-seek-donations/

    Honestly, I had enough of Singaporeans already…

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  • Pappies have crony mentalities:

    They just make all governance policies as hypothetical imperatives (largely amoral) and $$$tupidly disregard that their own human constitution consists also of categorical imperatives of human ethics and moral values!

    https://youtu.be/8bIys6JoEDw

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  • rajkumar:

    The whole government expansive and expensive
    edifice is built on a grand illusion that every branch
    Is doing monumental work!
    In simple language work is created to fill a void .

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  • S$300 Per Annum ?:

    I was warded for one night at the local hospital for a minor operation on my thigh. Total charge came up to S$8,000 plus. I have money in my MediShield Account but they insisted that I need to pay S$800 plus Cash.

    I told them I am unemployed because of my leg condition and have no extra Cash. Finally they agreed to give me 50% Discount. I have no choice but to beg and borrow from some of my good friends to pay the S$400 plus Cash to the hospital.

    Is the hospital or government going bankrupt to attract money from a citizen. Why can’t they take from my MediShield Account ? WTF

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  • lalaboy:

    “Keep it simple and practical. Help where most needed.”

    If they keep it simple and practical, then how to cheat money from you ?

    By making thing complicated, they will have more ways to get money from you, correct ?

    Remember how price is increased.
    For example, let say you use to pay one time of medical coverage of $200 that cover everything, now if they separated up into multiple different coverages, and raising price individual isn’t they extract more ??

    One Time coverage: $200
    now
    Separate into multiple coverages:
    if premium (top up up another $30)
    - A: $70
    - B: $70
    - C: $70
    - D: $70
    - E: $70
    Total: $350

    than start as optional, and eventually make them compulsory by law, increase the cost to $100, and then give bullshit that they will subsidy you, taking off public money to top up the difference that you didn’t need.

    Don’t you think ours is the master of conman ?

    how do you think our coffers can have so much money ?

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