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Elderly (Keywords (The five pillars (Multi pillar model) (Social security,…

- - - - Sense of security
- - - - Elderly do not apply for government assistance because
        
        Disengagement in Community (lack of knowledge)
        
        Traditional concepts
        
        Self-reliance
        
        Family honour (Filial piety)
        
        Stingmatization
    - - Increase resources allocation (Conventional and contigency) #
  - - - Medical Care
      - Elderly Service
        
        Day care, nursing home, support teams
  - - - Boost in economy
      - Problem: They need to have purchase power first!
- - - - Means-tested in-kind benefits
        
        Medical Fee Waiver
        
        Home Environment Improvement Scheme for Elderly
        
        Elderly Dental Assistance Programme
      - Non-recurrent cash benefits
        
        Additional CSSA
        
        one-off living subsidy (electricity charges subsidy)
        
        Rates waiver
        
        6000
      - Recurrent cash benefits #
        
        OAA
        
        OALA
        
        CSSA
      - Problems
        
        Stigmatization
        
        High threshold
    - - Mandatory Provident fund
        
        Problems
        
        Uncertain rate of return
        
        Limited coverage
        
        High management fees
        
        對衝
  - - - Rationale
        
        Improve Quality of life of elderlies
        
        Financially
        
        Psychologically
        
        Increase sense of security
        
        Aging population
        
        Stigmatization
      - Effectiveness
        
        :red_cross: stigmatization (because ever)
      - Feasibility
        
        :red_cross: financially stable
        
        Violate fiscal prudence
        
        Structural deficit
        
        Because recurrent expenditure
        
        VS One-off deficit
        
        Lack of support from younger generation
        
        Resources not focused on needy
        
        Violates inter-generational equity
        
        RB: Who supported the current prosperity of Hong Kong?
      - Unintended Pros and Cons
        
        Pros
        
        Boost Silver economu
        
        Cons
        
        Higher tax rate
        
        Lower attractiveness
      - Value
        
        :red_cross:Fairness
        
        :red_cross:Self Reliance
      - Better alternatives
  - - - Increase income
      - Cost-saving measures
    - - Reinforce traditional values
        
        Filial Piety
        
        Self reliance
    - - e.g. sustainable population polity
- - - - (e.g. Private elderly houses vs public)
  - - - Filial piety
- - - - Effectiveness
        
        Wide coverage
        
        :red_cross: Stigmatization
        
        Root cause
        
        :red_cross:stigmatization
        
        Principles
        
        :check:Human right protection
        
        :red_cross:small government big market
        
        Loopholes
        
        Transferal of assess to get through access check
        
        Cost effective
        
        :red_cross:waste of resources (in carrying out access check)
      - Social
        
        :check:Legitimacy
      - Economic
        
        Competitiveness
        
        :red_cross:motivation to work
        
        Disincentive because tax
        
        Silver economy
    - - Principle
        
        Small govt big market
      - Sustainability
        
        Balance in other aspects
        
        Sudden incidents (e.g.financial tsunami)
      - Effectiveness
        
        Cost effective
        
        Really everyone in need? Lee Ka Shing?
        
        Social harmony
        
        Balancing of interest
        
        Positive rapport
        
        :red_cross:仇富