217 lines
No EOL
32 KiB
HTML
217 lines
No EOL
32 KiB
HTML
<!doctype html>
|
|
<html lang="en" class="no-js">
|
|
<head>
|
|
<meta charset="UTF-8" />
|
|
<meta http-equiv="X-UA-Compatible" content="IE=edge,chrome=1" />
|
|
<meta name="viewport" content="width=device-width, initial-scale=1" />
|
|
<meta name="robots" content="noindex">
|
|
<title>Social Security Programs Throughout the World: Asia and the Pacific, 2014 - Singapore</title>
|
|
<meta name="DCTERMS:dateCreated" content="2015-03" />
|
|
<meta name="DCTERMS:contentOffice" content="ORDP:ORES" />
|
|
<meta name="DCTERMS:contentOwner" content="publications@ssa.gov" />
|
|
<meta name="DCTERMS:coderOffice" content="ORDP:ORES:OD" />
|
|
<meta name="DCTERMS:coder" content="op.webmaster@ssa.gov" />
|
|
<meta name="DCTERMS:dateCertified" content="2025-01-01" />
|
|
<meta name="description" content="Social Security Administration Research, Statistics, and Policy Analysis" />
|
|
<meta property="og:site_name" content="Social Security Administration Research, Statistics, and Policy Analysis"/>
|
|
<link rel="stylesheet" href="/policy/styles/doc.css" />
|
|
<link rel="stylesheet" href="/policy/styles/global.css" />
|
|
<!-- SSA INTERNET HEAD SCRIPTS -->
|
|
<script src="https://code.jquery.com/jquery-3.7.1.min.js" integrity="sha256-/JqT3SQfawRcv/BIHPThkBvs0OEvtFFmqPF/lYI/Cxo=" crossorigin="anonymous"></script>
|
|
<script src="/framework/js/ssa.internet.head.js"></script>
|
|
|
|
<script>(window.BOOMR_mq=window.BOOMR_mq||[]).push(["addVar",{"rua.upush":"false","rua.cpush":"false","rua.upre":"false","rua.cpre":"false","rua.uprl":"false","rua.cprl":"false","rua.cprf":"false","rua.trans":"SJ-3a3bb884-f513-47e3-a86c-84bab05e21dc","rua.cook":"true","rua.ims":"false","rua.ufprl":"false","rua.cfprl":"false","rua.isuxp":"false","rua.texp":"norulematch","rua.ceh":"false","rua.ueh":"false","rua.ieh.st":"0"}]);</script>
|
|
<script>!function(e){var n="https://s.go-mpulse.net/boomerang/";if("False"=="True")e.BOOMR_config=e.BOOMR_config||{},e.BOOMR_config.PageParams=e.BOOMR_config.PageParams||{},e.BOOMR_config.PageParams.pci=!0,n="https://s2.go-mpulse.net/boomerang/";if(window.BOOMR_API_key="LERZW-HECFS-R8H4E-23UQ7-ERMQB",function(){function e(){if(!o){var e=document.createElement("script");e.id="boomr-scr-as",e.src=window.BOOMR.url,e.async=!0,i.parentNode.appendChild(e),o=!0}}function t(e){o=!0;var n,t,a,r,d=document,O=window;if(window.BOOMR.snippetMethod=e?"if":"i",t=function(e,n){var t=d.createElement("script");t.id=n||"boomr-if-as",t.src=window.BOOMR.url,BOOMR_lstart=(new Date).getTime(),e=e||d.body,e.appendChild(t)},!window.addEventListener&&window.attachEvent&&navigator.userAgent.match(/MSIE [67]\./))return window.BOOMR.snippetMethod="s",void t(i.parentNode,"boomr-async");a=document.createElement("IFRAME"),a.src="about:blank",a.title="",a.role="presentation",a.loading="eager",r=(a.frameElement||a).style,r.width=0,r.height=0,r.border=0,r.display="none",i.parentNode.appendChild(a);try{O=a.contentWindow,d=O.document.open()}catch(_){n=document.domain,a.src="javascript:var d=document.open();d.domain='"+n+"';void(0);",O=a.contentWindow,d=O.document.open()}if(n)d._boomrl=function(){this.domain=n,t()},d.write("<bo"+"dy onload='document._boomrl();'>");else if(O._boomrl=function(){t()},O.addEventListener)O.addEventListener("load",O._boomrl,!1);else if(O.attachEvent)O.attachEvent("onload",O._boomrl);d.close()}function a(e){window.BOOMR_onload=e&&e.timeStamp||(new Date).getTime()}if(!window.BOOMR||!window.BOOMR.version&&!window.BOOMR.snippetExecuted){window.BOOMR=window.BOOMR||{},window.BOOMR.snippetStart=(new Date).getTime(),window.BOOMR.snippetExecuted=!0,window.BOOMR.snippetVersion=12,window.BOOMR.url=n+"LERZW-HECFS-R8H4E-23UQ7-ERMQB";var i=document.currentScript||document.getElementsByTagName("script")[0],o=!1,r=document.createElement("link");if(r.relList&&"function"==typeof r.relList.supports&&r.relList.supports("preload")&&"as"in r)window.BOOMR.snippetMethod="p",r.href=window.BOOMR.url,r.rel="preload",r.as="script",r.addEventListener("load",e),r.addEventListener("error",function(){t(!0)}),setTimeout(function(){if(!o)t(!0)},3e3),BOOMR_lstart=(new Date).getTime(),i.parentNode.appendChild(r);else t(!1);if(window.addEventListener)window.addEventListener("load",a,!1);else if(window.attachEvent)window.attachEvent("onload",a)}}(),"".length>0)if(e&&"performance"in e&&e.performance&&"function"==typeof e.performance.setResourceTimingBufferSize)e.performance.setResourceTimingBufferSize();!function(){if(BOOMR=e.BOOMR||{},BOOMR.plugins=BOOMR.plugins||{},!BOOMR.plugins.AK){var n="false"=="true"?1:0,t="cookiepresent",a="eyd7g6aaiaaamjqacqdfqaaaabt3motb-f-73fac32f3-clienttons-s.akamaihd.net",i="false"=="true"?2:1,o={"ak.v":"39","ak.cp":"1204614","ak.ai":parseInt("728289",10),"ak.ol":"0","ak.cr":3,"ak.ipv":6,"ak.proto":"h2","ak.rid":"c876cc","ak.r":19138,"ak.a2":n,"ak.m":"dsca","ak.n":"essl","ak.bpcip":"2607:f378:40:6::","ak.cport":40588,"ak.gh":"184.50.26.202","ak.quicv":"","ak.tlsv":"tls1.3","ak.0rtt":"","ak.0rtt.ed":"","ak.csrc":"-","ak.acc":"","ak.t":"1739995745","ak.ak":"hOBiQwZUYzCg5VSAfCLimQ==JPgq3U82wXI1WY7hrTya2n526zyFGmN97tfdkaFVgGCpiZ/zRf6iNnOIiJ1C0OpAssXlCMT9Q29EoWO++WGq2fkTeQ+C/cjhSSDJ/yQUGx6R8r1n20gti0L7sheQ01O99RjshTiknkPgA8SPm2PItFelamuSaEyJNvGHEgcGwcFnfgLqBsLAGybDlOr6rra7/wjJFrlPVQcGFmXjBnT6tzpVXZyBIQLN9GcgzkHsjWg8GcM9B1FHwpTUXBqxY/AW8ZUUFFoEc5XFLdBs9xojGnJRjEzEaN1SNV9dBjfU5ivi1+MQWWnUbywOuzp0XNyl3TmKN2kToeZS4KTT4cVv3GeSn0HNeqYSOjjayYOUfKHeUJgdjraTi0dXfKabBA7DW3PNQkeqv93SMCcJ0T3w0f8rZbdieTa0Gky8lfsjFjo=","ak.pv":"98","ak.dpoabenc":"","ak.tf":i};if(""!==t)o["ak.ruds"]=t;var r={i:!1,av:function(n){var t="http.initiator";if(n&&(!n[t]||"spa_hard"===n[t]))o["ak.feo"]=void 0!==e.aFeoApplied?1:0,BOOMR.addVar(o)},rv:function(){var e=["ak.bpcip","ak.cport","ak.cr","ak.csrc","ak.gh","ak.ipv","ak.m","ak.n","ak.ol","ak.proto","ak.quicv","ak.tlsv","ak.0rtt","ak.0rtt.ed","ak.r","ak.acc","ak.t","ak.tf"];BOOMR.removeVar(e)}};BOOMR.plugins.AK={akVars:o,akDNSPreFetchDomain:a,init:function(){if(!r.i){var e=BOOMR.subscribe;e("before_beacon",r.av,null,null),e("onbeacon",r.rv,null,null),r.i=!0}return this},is_complete:function(){return!0}}}}()}(window);</script></head>
|
|
|
|
<body class="ssptw">
|
|
<article>
|
|
<header>
|
|
<div id="hLogo"><a class="navLogo" href="/policy/index.html">Social Security</a><a class="navSearch" href="https://search.ssa.gov/search?affiliate=ssa">SEARCH</a></div>
|
|
<div id="hRedBar">
|
|
<div id="hDocInfo">
|
|
<h1>Social Security Programs Throughout the World: Asia and the Pacific, 2014</h1>
|
|
</div>
|
|
</div>
|
|
</header>
|
|
<nav>
|
|
<div id="breadcrumbs" itemscope itemtype="http://schema.org/BreadcrumbList">You are here: <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="/" itemprop="item"><span itemprop="name">Social Security Administration</span></a><meta itemprop="position" content="1" /></span> > <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="/policy/index.html" itemprop="item"><span itemprop="name">Research, Statistics & Policy Analysis</span></a><meta itemprop="position" content="2" /></span> > <span itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"><a href="index.html" itemprop="item"><span itemprop="name">Social Security Programs Throughout the World: Asia and the Pacific, 2014</span></a><meta itemprop="position" content="3" /></span></div>
|
|
<div id="rspaUtil"><ul><li id="mail"><a class="js-ga-event" href="#" rel="nofollow" data-event="outbound-link" data-event-action="click" data-event-label="email-this">Email</a></li><li id="print"><a href="#" rel="nofollow">Save/Print</a></li></ul></div>
|
|
</nav>
|
|
<div class="innards">
|
|
<h1>Singapore</h1>
|
|
<div class="exchangeRate">Exchange rate: <abbr class="spell">US</abbr>$1.00 = 1.27 Singapore dollars (S$).</div>
|
|
<h2>Old Age, Disability, and Survivors</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1953 (provident fund), implemented in 1955.</p>
|
|
<p><span class="h4">Current law:</span> 2001 (provident fund).</p>
|
|
<p><span class="h4">Type of program:</span> Provident fund system.</p>
|
|
<p>Note: Central Provident Fund (<abbr class="spell">CPF</abbr>) provides four types of individual accounts for each member: an ordinary account (<abbr class="spell">OA</abbr>) to finance the purchase of a home, approved investments, <abbr class="spell">CPF</abbr> insurance, and education; a special account (<abbr class="spell">SA</abbr>), principally for retirement (may invest in retirement-related financial products); a Medisave account (<abbr class="spell">MA</abbr>) for certain medical expenses (see Sickness and Maternity); and a retirement account (<abbr class="spell">RA</abbr>) set up at age 55 to finance periodic payments at retirement.</p>
|
|
<h3>Coverage</h3>
|
|
<p>Employed persons, including most categories of public-sector employees.</p>
|
|
<p>Voluntary coverage is available.</p>
|
|
<p>Self-employed persons with annual net income greater than S$6,000 are covered for hospitalization expenses and approved medical insurance (see Sickness and Maternity).</p>
|
|
<p>Special system for certain categories of public-sector employees, including administrative service staff.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> 20% (rising to 21% on January 1, 2015) of monthly earnings greater than S$750 if aged 50 or younger; 5% to 18.5% (rising to 6% to 19.5% on January 1, 2015) if older than age 50. Insured persons earning S$500 to S$749 pay a flat monthly amount depending on age and earnings.</p>
|
|
<p>The minimum monthly earnings used to calculate contributions are S$500.</p>
|
|
<p>The maximum monthly earnings used to calculate contributions are S$5,000.</p>
|
|
<p>Insured persons may make additional voluntary contributions. The total insured person and employer voluntary and mandatory contributions must not exceed S$30,600 a year.</p>
|
|
<p>Of the combined insured person/employer contribution, 1% to 23% is allocated to the <abbr class="spell">OA</abbr>, 1% to 9.5% to the <abbr class="spell">SA</abbr>, depending on age (contribution rates for older fund members are lower), and 7% to 9.5% to the <abbr class="spell">MA</abbr>. (Contribution rates for older fund members are higher.) The <abbr class="spell">MA</abbr> covers the cost of hospitalization and medical expenses (see Sickness and Maternity).</p>
|
|
<p>At age 55, <abbr class="spell">CPF</abbr> members must set aside a minimum amount which varies depending on age (up to S$155,000) from the <abbr class="spell">OA</abbr> and <abbr class="spell">SA</abbr> accounts to fund the <abbr class="spell">RA</abbr> account (up to 50% of the minimum amount can be real estate holdings).</p>
|
|
<p><span class="h4">Self-employed person:</span> 3.5% to 9.5% (depending on age) of annual income to the <abbr class="spell">MA</abbr> only. (Contribution rates for older fund members are higher).</p>
|
|
<p>The maximum mandatory annual contribution to the <abbr class="spell">MA</abbr> is S$4,200 to S$5,700 a year, depending on age.</p>
|
|
<p>Additional voluntary contributions are permitted. Total mandatory and voluntary contributions must not exceed S$30,600 a year.</p>
|
|
<p><span class="h4">Employer:</span> 16% of employee monthly earnings of S$50 or more for employees aged 50 or younger; 6.5% to 14% of employee monthly earnings of more than S$50 for employees aged above 50 (January 2014).</p>
|
|
<p>The minimum monthly earnings used to calculate contributions are S$50.</p>
|
|
<p>The maximum monthly earnings used to calculate contributions are S$5,000.</p>
|
|
<p>Employers may make additional voluntary contributions for employees. The total employer and insured person voluntary and mandatory contributions must not exceed S$30,600 a year.</p>
|
|
<p>Of the combined insured person/employer contribution, 1% to 23% is allocated to the <abbr class="spell">OA</abbr>. 1% to 9.5% to the <abbr class="spell">SA</abbr>, depending on age (contribution rates for older fund members are lower), and 7% to 9.5% to the <abbr class="spell">MA</abbr> (contribution rates for older fund members are higher).</p>
|
|
<p><span class="h4">Government:</span> Under the Workfare Income Supplement Scheme (see Family Allowances), 60% of up to S$3,500 a year, depending on the insured's age, to the <abbr class="spell">CPF</abbr> accounts of <span class="nobr">low-wage</span> employees aged 35 or older with average gross monthly income up to $1,900 (90% of up to S$2,333 a year, depending on the insured's age, to the <abbr class="spell">MA</abbr> if self-employed); tops up <abbr class="spell">CPF</abbr> accounts for all workers on an ad hoc basis.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Old-age benefit:</span></p>
|
|
<p><span class="h4">Ordinary account:</span> Funds can be withdrawn at age 55, subject to certain conditions.</p>
|
|
<p>Drawdown payment: Funds can be drawn down before age 55 to purchase a home or insurance <span class="nobr">(term-life</span> insurance scheme and a mortgage-reducing insurance scheme run by the <abbr class="spell">CPF</abbr> Board) or to pay for education at approved local institutions for the member or his or her children. Funds over S$20,000 can be drawn down to make investments in approved instruments.</p>
|
|
<p><span class="h5">Special account:</span> Funds can be withdrawn at age 55, subject to certain conditions.</p>
|
|
<p>Drawdown payment: Funds over S$40,000 can be drawn down before age 55 to make investments in approved instruments.</p>
|
|
<p><span class="h5">Medisave account:</span> Funds over S$43,500 (the Medisave minimum balance) can be withdrawn at age 55. Retirement is not necessary.</p>
|
|
<p>Drawdown payment: See Sickness and Maternity.</p>
|
|
<p><span class="h5">Retirement account:</span> Funds can be withdrawn at age 55, or at any age if permanently leaving Singapore.</p>
|
|
<p><span class="h4">Disability benefit:</span> The fund member must be assessed with a permanent total incapacity for any work. The disability is assessed either by a registered doctor in any government hospital or by the Central Provident Fund Board's panel of doctors.</p>
|
|
<p>Members automatically qualify for ElderShield (see Sickness and Maternity).</p>
|
|
<p><span class="h4">Survivor benefit:</span> Paid to one or more named survivors.</p>
|
|
<h3>Old-Age Benefits</h3>
|
|
<p><span class="h4">Old-age benefit</span></p>
|
|
<p><span class="h5">Ordinary and special accounts:</span> A lump sum is paid of total employee and employer contributions plus at least 2.5% compound interest minus drawdown payments and the minimum balances required at age 55 for the <abbr class="spell">RA</abbr> (up to S$155,000, depending on age) and the <abbr class="spell">MA</abbr> (S$43,500).</p>
|
|
<p><span class="h5">Medisave account:</span> A lump sum is paid to meet the cost of hospitalization.</p>
|
|
<p>Drawdown payment: See Sickness and Maternity.</p>
|
|
<p><span class="h5">Retirement account:</span> Funds can be withdrawn to buy a life annuity from the <abbr class="spell">CPF</abbr> Board or approved insurers, or can be deposited with approved banks that pay a monthly income until the account is depleted. From January 1, 2013, all members with at least S$40,000 in their retirement account at age 55 must purchase the life annuity provided by the <abbr class="spell">CPF</abbr> Board.</p>
|
|
<p>Interest rate: The interest rate on the <abbr class="spell">OA</abbr> savings is based on the <span class="nobr">12-month</span> fixed deposit and month-end savings rates of the major local banks. The interest rate on the <abbr class="spell">SA</abbr>, <abbr class="spell">MA</abbr>, and <abbr class="spell">RA</abbr> savings is based on the <span class="nobr">12-month</span> average yield of the <span class="nobr">10-year</span> Singapore Government Securities plus 1%. The first S$60,000 in a member's combined accounts (including up to S$20,000 from the <abbr class="spell">OA</abbr>) earns an additional 1% a year. The <abbr class="spell">CPF</abbr> Board guarantees a minimum interest rate of 2.5% a year on all accounts. Interest is computed monthly and compounded and credited annually.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Disability benefit</span></p>
|
|
<p><span class="h5">Ordinary, Medisave, and special accounts:</span> A lump sum is paid of total employee and employer contributions plus at least 2.5% of compound interest minus drawdown payments and the minimum balances required at age 55 for the <abbr class="spell">RA</abbr> (up to S$155,000, depending on age) and the MA (S$43,500).</p>
|
|
<p>Drawdown payment: See Sickness and Maternity.</p>
|
|
<p>Interest rate: The interest rate on the <abbr class="spell">OA</abbr> savings is based on the <span class="nobr">12-month</span> fixed deposit and month-end savings rates of the major local banks. The interest rate on the <abbr class="spell">SA</abbr>, <abbr class="spell">MA</abbr>, and <abbr class="spell">RA</abbr> savings is based on the <span class="nobr">12-month</span> average yield of the <span class="nobr">10-year</span> Singapore Government Securities plus 1%. The first S$60,000 in a member's combined accounts (including up to S$20,000 from the <abbr class="spell">OA</abbr>) earn an additional 1% a year. The <abbr class="spell">CPF</abbr> Board guarantees a minimum interest rate of 2.5% a year on all accounts. Interest is computed monthly and compounded and credited annually.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor benefit (all accounts):</span> The benefit is the remaining balances in the deceased's accounts and any <span class="nobr">term-life</span> insurance payouts or any death benefit from the <abbr class="spell">CPF</abbr> life annuity scheme.</p>
|
|
<p>The fund member determines the proportion of benefit that different survivors receive. In the absence of named survivors, the benefit is distributed by the Public Trustee according to law.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Manpower (<a href="https://www.mom.gov.sg/">http://www.mom.gov.sg</a>) provides general supervision through its Income Security Policy Department.</p>
|
|
<p>Central Provident Fund Board (<a href="https://www.cpf.gov.sg">http://www.cpf.gov.sg</a>), managed by a tripartite board and a chairman, is responsible for the administration of the program, including the custody of the fund, collection of contributions, and payment of benefits.</p>
|
|
<h2>Sickness and Maternity</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First laws:</span> 1953 (provident fund), implemented in 1955; 1968 (employment); 1993 (medical endowment scheme).</p>
|
|
<p><span class="h4">Current laws:</span> 2000 (medical and elderly care); 2001 (provident fund), and 2001 (child development co-savings); and 2009 (employment).</p>
|
|
<p><span class="h4">Type of program:</span> Employer-liability (cash sickness and maternity benefits), provident fund (medical benefits), and social assistance (medical benefits) system.</p>
|
|
<p>Note: Provident fund members have a Medisave account to pay for hospital treatment, selected outpatient medical treatment, and approved medical insurance.</p>
|
|
<h3>Coverage</h3>
|
|
<p><span class="h4">Cash sickness and maternity benefits (employer liability):</span> All employed persons.</p>
|
|
<p>Exclusions: Self-employed persons.</p>
|
|
<p><span class="h4">Medical benefits (provident fund):</span> See coverage under Old Age, Disability, and Survivors.</p>
|
|
<p><span class="h4">Medical benefits (social assistance):</span> Residents of Singapore.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person</span></p>
|
|
<p><span class="h5">Cash sickness and maternity benefits (employer liability):</span> None.</p>
|
|
<p><span class="h5">Medical benefits (provident fund):</span> See source of funds under Old Age, Disability, and Survivors.</p>
|
|
<p><span class="h5">Medical benefits (social assistance):</span> None.</p>
|
|
<p><span class="h4">Self-employed person</span></p>
|
|
<p><span class="h5">Cash sickness and maternity benefits (employer liability):</span> Not applicable.</p>
|
|
<p><span class="h5">Medical benefits (provident fund):</span> See source of funds under Old Age, Disability, and Survivors.</p>
|
|
<p><span class="h5">Medical benefits (social assistance):</span> None.</p>
|
|
<p><span class="h4">Employer</span></p>
|
|
<p><span class="h5">Cash sickness and maternity benefits (employer liability):</span> The total cost.</p>
|
|
<p><span class="h5">Medical benefits (provident fund):</span> See source of funds under Old Age, Disability, and Survivors.</p>
|
|
<p><span class="h5">Medical benefits (social assistance):</span> None.</p>
|
|
<p>Employers can seek a tax exemption for the three types of benefits (above) for medical expenses incurred up to a certain percentage of their wage costs.</p>
|
|
<p><span class="h4">Government</span></p>
|
|
<p><span class="h5">Cash sickness and maternity benefits (employer liability):</span> None.</p>
|
|
<p><span class="h5">Medical benefits (provident fund):</span> Subsidizes services in certain classes of hospital wards.</p>
|
|
<p><span class="h5">Medical benefits (social assistance):</span> All or part of the cost of treatment in approved publicly funded institutions.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Cash sickness benefit (employer liability):</span> Must have at least three months of employment. A registered doctor must provide medical certification.</p>
|
|
<p><span class="h4">Cash maternity benefit (employer liability):</span> Must have at least 90 days of employment immediately before childbirth.</p>
|
|
<p><span class="h4">Medical benefits (provident fund):</span> The insured must be a member of the Medisave program. (Members can access savings in their <abbr class="spell">MA</abbr>.)</p>
|
|
<p>All fund members and their dependents automatically qualify for MediShield (a basic health insurance plan) at birth.</p>
|
|
<p>All fund members qualify for ElderShield (a basic severe disability insurance plan) at age 40, unless they have pre-existing conditions.</p>
|
|
<p><span class="h4">Medical benefits (social assistance):</span> Provided to citizens satisfying means and income tests.</p>
|
|
<h3>Sickness and Maternity Benefits</h3>
|
|
<p><span class="h4">Cash sickness benefit (employer liability):</span> 100% of the employee's gross wages is paid for up to 14 days a year (up to 60 days if hospitalized).</p>
|
|
<p><span class="h4">Cash maternity benefit (employer liability):</span> 100% of the employed woman's gross wages is paid for up to 16 weeks for the first two births, up to S$20,000. (Employers pay for the first eight weeks ) An additional 16 weeks is paid for each subsequent birth up to S$40,000.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Funds can be drawn down from the <abbr class="spell">MA</abbr> before age 55 for medical treatments of a member or his or her dependents, subject to limits. Up to S$1,400 for each insured person per policy year, depending on the insured's age, may also be used to purchase catastrophic hospitalization medical insurance (MediShield and Medisave-approved plans). Up to S$600 for each insured person per calendar year can be used to purchase severe disability insurance (ElderShield and ElderShield Supplements). Fund members can purchase medical insurance or disability insurance for their dependents.</p>
|
|
<p>Insured persons must make a copayment for subsidized treatment in public health care institutions. Copayments may be deducted from the <abbr class="spell">MA</abbr>.</p>
|
|
<p>Benefits include outpatient surgery and prescribed medicine in approved hospitals and medical institutions. The cost of medical treatment is deducted from the fund member's balance in the <abbr class="spell">MA</abbr> for approved treatments, or may be claimed from the member's MediShield or Integrated Shield plan.</p>
|
|
<p>The <abbr class="spell">MA</abbr> can be used to pay for childbirth and maternity care expenses incurred for the first four live childbirths; for the birth of the fifth and subsequent children if both parents have a combined <abbr class="spell">MA</abbr> balance of at least S$15,000 at the time of the childbirth.</p>
|
|
<p><span class="h5">Social assistance:</span> Residents of Singapore unable to make the copayment for medical treatment in approved hospitals and medical institutions can apply for financial aid from the Medical Endowment fund (Medifund). The amount of financial aid provided depends on individual circumstances. Under the separate public assistance program, individuals without employment or any source of income may receive free medical treatment at government hospitals and clinics. Means-tested subsidies are also available at approved intermediate and <span class="nobr">long-term</span> care institutions.</p>
|
|
<h3>Dependents' Medical Benefits</h3>
|
|
<p>Medical benefits for dependents are the same as those for the insured.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p><span class="h4">Employer liability:</span> Ministry of Manpower (<a href="https://www.mom.gov.sg/">http://www.mom.gov.sg</a>) provides general supervision and enforces the law through its Labor Relations and Workplaces Division.</p>
|
|
<p><span class="h4">Provident fund:</span> Ministry of Manpower (<a href="https://www.mom.gov.sg/">http://www.mom.gov.sg</a>) provides policy guidelines through its Income Security Policy Department.</p>
|
|
<p>Central Provident Fund Board (<a href="https://www.cpf.gov.sg">http://www.cpf.gov.sg</a>), managed by a tripartite board and a chairman, administers the program, including custody of the fund, collection of contributions, and payment of benefits.</p>
|
|
<p><span class="h4">Medical benefits:</span> Ministry of Health (<a href="https://www.moh.gov.sg/">http://www.moh.gov.sg</a>) regulates medical services provided by government hospitals and private providers. It also oversees the funding of the healthcare sector, subsidies and Medifund to patients, and provides policy direction for Medisave, MediShield, and ElderShield.</p>
|
|
<h2>Work Injury</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p><span class="h4">First law:</span> 1933 (workmen's compensation).</p>
|
|
<p><span class="h4">Current law:</span> 2009 (work injury compensation).</p>
|
|
<p><span class="h4">Type of program:</span> Employer-liability system through a private carrier.</p>
|
|
<h3>Coverage</h3>
|
|
<p>All manual employees (regardless of earnings) and non-manual employees with monthly earnings of S$1,600 or less (unless exempt).</p>
|
|
<p>The Ministry of Manpower may waive the compulsory insurance requirement for any employer or class of employers.</p>
|
|
<p>Exclusions: Self-employed persons, household workers, military, police, civil defense force, central narcotics bureau, and prison service personnel.</p>
|
|
<h3>Source of Funds</h3>
|
|
<p><span class="h4">Insured person:</span> None.</p>
|
|
<p><span class="h4">Self-employed person:</span> Not applicable.</p>
|
|
<p><span class="h4">Employer:</span> The total cost; provides benefits directly or pays insurance premiums.</p>
|
|
<p><span class="h4">Government:</span> None.</p>
|
|
<h3>Qualifying Conditions</h3>
|
|
<p><span class="h4">Work injury benefits:</span> There is no minimum qualifying period, but claims must be made within one year of the date of the accident or when the disability began.</p>
|
|
<h3>Temporary Disability Benefits</h3>
|
|
<p>100% of the insured's average monthly earnings in the 12 months before the disability began is paid for up to 14 days if not hospitalized (up to 60 days if hospitalized). Thereafter, 66.7% of the insured's average monthly earnings in the 12 months before the disability began is paid.</p>
|
|
<p>The benefit is paid from the first day of incapacity for the duration of incapacity, up to one year.</p>
|
|
<h3>Permanent Disability Benefits</h3>
|
|
<p><span class="h4">Permanent disability benefit:</span> If the insured is assessed with a total permanent disability, a lump sum is paid that varies according to the insured's age when the disability began and average monthly earnings in the 12 months before the disability began.</p>
|
|
<p>The lump sum ranges from 72 times the insured's average monthly earnings in the 12 months before the disability began (if aged 66 or older) to 181 times the insured's average monthly earnings in the 12 months before the disability began (if aged 14 or younger).</p>
|
|
<p>The minimum lump sum is S$73,000.</p>
|
|
<p>The maximum lump sum is S$218,000.</p>
|
|
<p>Constant-attendance supplement: If the insured has a 100% assessed degree of permanent disability (total disability) and requires the constant attendance of others, an additional 25% of the lump sum is paid. A registered doctor must provide medical certification.</p>
|
|
<p>Partial disability: A lump sum is paid as a percentage of the full benefit according to the assessed degree of disability and a schedule in law.</p>
|
|
<h3>Workers' Medical Benefits</h3>
|
|
<p>Treatment at approved hospitals is provided.</p>
|
|
<h3>Survivor Benefits</h3>
|
|
<p><span class="h4">Survivor benefit:</span> A lump sum is paid that varies according to the insured's age at the time of death and average monthly earnings.</p>
|
|
<p>The lump sum ranges from 48 times the deceased's average monthly earnings in the 12 months before death (if the deceased was aged 66 or older) to 136 times the deceased's average monthly earnings in the 12 months before death (if the deceased was aged 14 or younger).</p>
|
|
<p>Eligible survivors include a spouse, parents, grandparents, stepparents, children, grandchildren, stepchildren, and brothers and sisters.</p>
|
|
<p>The minimum lump sum is S$57,000.</p>
|
|
<p>The maximum lump sum is S$170,000.</p>
|
|
<h3>Administrative Organization</h3>
|
|
<p>Ministry of Manpower (<a href="https://www.mom.gov.sg/">http://www.mom.gov.sg</a>) provides general supervision through its Work Injury Compensation Department, Occupational Safety and Health Division.</p>
|
|
<p>The Commissioner for Labor, and the Assistant Commissioners assess the disability and pay benefits, conduct hearings, and investigate and enforce the Work Injury Compensation Act</p>
|
|
<h2>Unemployment</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p>The Workfare Training Support Scheme provides subsidized employment training, including a training allowance of up to S$4.50 an hour of training completed, to persons who qualify for the Workfare Income Support Scheme (see Family Allowances).</p>
|
|
<h2>Family Allowances</h2>
|
|
<h3>Regulatory Framework</h3>
|
|
<p>The Workfare Income Supplement Scheme supplements the income and <abbr class="spell">CPF</abbr> savings of <span class="nobr">low-wage</span> workers aged 35 or older with a gross monthly income up to S$1,900. Individuals must have worked at least two months in any three-month period. The benefit is paid quarterly.</p>
|
|
</div>
|
|
</article>
|
|
<nav>
|
|
<div class="docNav"><a class="previous" href="saudi-arabia.html">Previous: Saudi Arabia</a> <a class="toTop" href="#hLogo">Top of page</a> <a class="toTOC" href="index.html#fileList">Table of contents</a> <a class="next" href="solomon-islands.html">Next: Solomon Islands</a></div>
|
|
</nav>
|
|
<footer><div id="footer">
|
|
<div class="important-info"><h4>Important Information:</h4>
|
|
<ul><li><a href="/agency/">About Us</a></li>
|
|
<li><a href="/accessibility/">Accessibility</a></li>
|
|
<li><a href="/foia/">FOIA</a></li>
|
|
<li><a href="/open/">Open Government</a></li>
|
|
<li><a href="/agency/glossary/">Glossary</a></li>
|
|
<li><a href="/privacy/">Privacy</a></li>
|
|
<li><a href="https://oig.ssa.gov/report/">Report Fraud, Waste or Abuse</a></li>
|
|
<li><a href="/agency/websitepolicies.html">Website Policies</a></li></ul>
|
|
</div>
|
|
<p class="align-center margin-top">This website is produced and published at U.S. taxpayer expense.</p>
|
|
</div></footer>
|
|
<!-- SSA INTERNET BODY SCRIPTS -->
|
|
<script src="/policy/js/rspa.doc.js"></script>
|
|
<script src="/policy/js/rspa-shared.js"></script>
|
|
<script src="/framework/js/ssa.internet.body.js"></script>
|
|
</body></html> |