We suggest that a singlet fermion S exists beyond the standard see-saw
structure. It mixes with light neutrinos via interactions with the ri
ght-handed neutrino components, so that nu e --> S conversion solves t
he solar neutrino problem. Supersymmetry endowed with R-symmetry is sh
own to give a natural framework for existence, mass scale (similar to
3 . 10(-3) eV) and mixing (sin(2) 2 theta(es) similar to (0.1-1.5) . 1
0(-2)) of such a fermion. Models with an approximate horizontal symmet
ry are constructed, which embed the fermion S and explain simultaneous
ly solar, atmospheric, hot dark matter problems as well as may predict
the oscillation <(nu)over bar>(mu) --> <(nu)over bar>(e) in the regio
n of sensitivity of KARMEN and LSND experiments.