IN HER letter ("Some groups yet to benefit from CPF Life"; Aug 4), Ms Lim Lih Mei mentioned two groups - the self-employed and those who are unemployed because of health or family reasons - who have yet to benefit much from CPF Life.

There are already incentives, such as tax reliefs and higher interest rates, for the self-employed to top up their Central Provident Fund Ordinary Accounts. It is also mandatory for most self-employed people to contribute to Medisave.

The Manpower Ministry should make it compulsory for self-employed people to contribute to their Ordinary Accounts.

As for unemployed people, their loved ones can top up their Special Accounts (for recipients below age 55) or Retirement Accounts (for recipients aged 55 and above), and receive tax breaks.

However, if their loved ones do not have the means to do so, this group should try to find employment, be it flexi-work or part-time work, though this may be difficult.

Older people may struggle to land job interviews, even if they are fit and can work full time.

The Government has taken the lead by rehiring retired army and police officers as operation managers in schools, and retired health-care workers as part-time nurses. But the State cannot micro-manage the private sector.

It is difficult to change the mindset of employers who are biased against older workers, much less expect them to hire retirees as mentors, trustees or auditors ("Get retirees back to work - in new jobs" by Mr Geoffrey Kung; Aug 2).

Not many retirees have sought-after corporate experience and proven leadership backgrounds that let them return to positions linked to their old jobs. That is why we see many well-educated retirees working as security guards and taxi drivers.