How much is enough for retirement in Singapore?
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Actually I also agree with leeyl…when all the children are successful…if me, I won’t give up so easily…unless say after long time, hope is dim then no choice…maybe shift to personal nurse/helper or those places that could care better than hospital lower grade ward?
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Estéema\" post_id=\"2059518\" time=\"1645507341\" user_id=\"66413:
Esteema
I’ve learnt fr my SIL, with almost entire family of doctors (pediatricians, obstetrician, dentist & ophthalmologist) just won’t buy any ‘high’ plans as they will plan their parents’ hospitalization needs according to admission needs. When their father was struggling with lung cancers & getting in/out hospitals in his late years, they’ll check him into C/B wards. But when there’s a need for any other non-longterm stays, they’ll admit any family members into B/A wards.
Understandably, I rmbr the many visits to comfort & cheer elderly uncle & aunty and can’t imagine if long term stay on high costs of daily charges of A wards and the respective higher consultation charges load on the family. That was the era when the elderlies hv no health insurance.
I cover myself & family health insurance (with PA for kids when young), but realized that many of the old plans with riders are term policies. Today, most health policies, even those with riders, “do not pay in full” as there’s a co-payment element besides the deductible. So, this drives us to select our ward class & consultants carefully.
Both DH & I just did our LPA with our family doc to authorize each other access to our properties, funds and manage our healthcare decisions. When MIL heard that, she wanted us to help her get her LPA done ASAP. I’ve alr given instructions if I’m seriously ill, just let me recover or go without struggle for long term life support. My hope & treasures are not earthly, as I look fwd to an everlasting life in heaven with my loved ones.
Same for me. I have the \"as charged\" H&S which covers private hospitals' stay. If I were to stay long in a hospital, I would choose Ward B or C in a govt/restructured hospital too. This brings me the qn whether to downgrade my Shield plan to reduce my annual premium as am paying cash yearly since there is a cap on the portion payable using Medisave.
I helped my dad did his LPA. I have yet to do my LPA due to laziness to look for a doc to witness etc. -
As for dementia, I foresee myself working or at least ksp ing in my 60s. So far no dementia history in family but I m a forgetful person so there may be risk.
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sushi88\" post_id=\"2059522\" time=\"1645508010\" user_id=\"100857:
My parents with my father is around 90 are not affected by Dementia yet instead they even have a much better memory than me because they play mahjong everyday.
Start playing Sudoku or Mahjong today! Dementia is terrible, I see it in my mum.
MRI shows her brain is shrinking so she is slowly forgetting us. -
lee_yl\" post_id=\"2059536\" time=\"1645511312\" user_id=\"17023:
You did not read wrongly.
Did I see wrongly? If the children are all successful doctors and had plans to put their parents in ward C, I dare not imagine which ward my children will put me in. Lol.
I stayed in ward C before and didn’t like the experience. When I was 18yo, my grandmother fell in a public toilet, broke her hip, sent to A&E for operation. I cried and begged my aunties/uncles to place grandma in at least ward B2, and I offered to pay using my savings. Luckily my aunties/uncles agreed to put her in ward B. Of cos they didn’t charge me the bills.
I don’t think my hospital plan is expensive. If I want to stay in ward A, I foot my own bills. I don’t intend to make my kids pay my hospital bills. And of cos, if my children drive big continental cars yet put me in ward C, I will be kind of upset. If I need to depend on my kids to foot my hostipal bills, then of cos I have no right to ask for better wards but to keep quiet!!
I witnessed this thro’out SIL’s both parents’ lifetime in/out hospital. The siblings gave both parents very attentive care with the sisters taking turns to visit & attend to her needs with day & night shifts (imagine sitting just on the spare chair beside the bed) and in later years when the sisters were older engaged helpers to provide care.
When I was working with A*Star then & entitled to A ward & fully paid bills. I had once had very high fever just before my birthing & stayed in a A ward but in my moments of need, I cld not seem to get timely attention & was frustrated being alone in a ‘private’ room with nobody to attention to me for long hours till hubby come visit. On my 2nd admission for fever again, I’ve requested for a B1 ward. I can vouch B1 ward so much better for the company & when in need. I once needed attention when nurses & when nobody responded, my neigbour’s hubby went to bring the nurse over. Not too bad having others to bond with.
Having the highest entitlement is not always beneficial all the time. I don’t want to ‘live’ it high when I’ve to be long term in hospitals & subject myself to higher co-pymt nor do I wish to impose higher co-pymt on my kids if they alr hv a family to care for & I ran out of funds (assuming my savings did not meet the higher cost of future inflation). I’ll become their burden. -
doodbug\" post_id=\"2059525\" time=\"1645508197\" user_id=\"13281:
No - I've resisted Wordle! Maybe later, but I've enough on my plate for now!
Let me guess...think slmkhoo will take better to Wordle or Quordle! Lol
These are great to keep dementia at bay too. -
Liew Nga Wing\" post_id=\"2059541\" time=\"1645513964\" user_id=\"195250:[quote=\"Liew Nga Wing\" post_id=2059541 time=1645513964 user_id=195250]
Yeah, I think playing mahjong is a good mindsport, just treat it as a game and not gamble. Unfortunately, my mum was determined not to learn how to play no matter how willing I was to teach her. Haiz...
My parents with my father is around 90 are not affected by Dementia yet instead they even have a much better memory than me because they play mahjong everyday.[/quote] -
slmkhoo\" post_id=\"2059549\" time=\"1645516799\" user_id=\"28674:
I am playing Word Connect daily......just for thrill really to dig my head for the simple words.....it has become a habit before bedtime I gotta play....
No - I've resisted Wordle! Maybe later, but I've enough on my plate for now!
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slmkhoo\" post_id=\"2059519\" time=\"1645507658\" user_id=\"28674:
I always remember what someone related to me - a conversation she had with a low wage elderly (I think she's a cleaner). She was lamenting that everyone around her has left, except her and she has to keep working to keep herself alive....think she was in her 70s
My grandmother's experience: first her husband died, then her remaining friends died, and she was the last one left in her generation. Her grandkids grew up, and she forgot who they were (because of dementia). She had several great-grandkids by the time she died, but she never knew that they were hers. -
slmkhoo\" post_id=\"2059549\" time=\"1645516799\" user_id=\"28674:
It doesnt take up a lot of time, but professional wordsmiths might find it too easy. I had a go once or twice but lost interest after a while. It’s a bit like Mastermind but with letters instead of colours.
No - I've resisted Wordle! Maybe later, but I've enough on my plate for now!
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