The announcement by Health Minister Gan Kim Yong, on allowing needy disabled people to make cash withdrawals of Medisave, together with other schemes like ElderShield and CareShield Life, makes the already complicated Central Provident Fund (CPF) even more confusing (Severely disabled people can soon withdraw cash from Medisave, and Older Singaporeans will get incentives to join CareShield Life; both published on July 4).

There are so many schemes and inclusions and exclusions, with more coming in over the next few years.

How many seniors, whose memories are starting to fail or have failed, would be able to remember or even comprehend what is in store for them?

Many seniors who live on their own will not be able to keep pace with the changes.

True, grassroots leaders and social workers go around to help, but even these people are sometimes not clear.

The Straits Times had a chart in yesterday's publication which explained everything clearly. It must have taken the reporter quite some time to figure out the information.

The graphic helped in making understanding CPF easier, but most of those who need help do not read newspapers or follow the news.

My hope is that the Government will not add more complications to CPF but revamp it with a simplified fund.

Ronnie Lim Ah Bee