A Guide to CPF Nomination

a guide to cpf nomination

What is a CPF Nomination?[1]

A CPF nomination is an action that you can take, in order to specify who will receive your CPF savings (i.e. your “nominee(s)”), and how much each nominee should receive upon your demise.[2]

If you do not make a CPF nomination, your CPF savings will be distributed by the Public Trustee’s Office (PTO) to legally entitled beneficiaries (usually family members and next-of-kin) under the Intestate Succession Act or the Inheritance Certificate (for Muslims).

The PTO will also charge a fee for the distribution of your un-nominated CPF savings.[3]

Who Can Make a CPF Nomination?[4]

All CPF members aged 16 and above can make CPF Nominations.

The nominator (i.e. you) must be mentally sound at the time he/she makes a CPF Nomination.[5]

Who Can You Nominate?[6]

You can nominate any person or organization[7] as a nominee, this includes non-CPF account holders.

Even if a person is not a Singapore Citizen or Permanent Resident, you still can nominate him/her.[8]

Consider the following treatment of your CPF savings for nominees who are:

Below 18 years old[9]The monies will be held in trust by Public Trustee’s Office until your nominee turns 18
Of unsound mind[10]A court-appointed deputy would handle the monies on behalf of a nominee who is of unsound mind
Bankrupt[11]The monies will be forwarded to the Official Assignee

There is no limit to the number of nominees[12] you can appoint.[13]

If you make a nomination online, you can indicate up to eight nominees in your nomination.[14]

If you wish to nominate more than eight nominees, then you should make your nomination at a CPF Service Centre.[15]

What does a CPF Nomination Cover?[16]

  1. CPF savings [17]in your Ordinary, Special, MediSave and Retirement Accounts
  2. Unused CPF LIFE premiums
  3. Discounted Singtel shares

What is Not Covered by a CPF Nomination?[18]

  1. Properties bought using your CPF savings
  2. Payout from Dependants’ Protection Scheme (DPS)
  3. Investments made under CPF Investment Scheme (CPFIS)

How Will Your CPF Savings be Paid to Your Nominees?[19]

Your nominees will be paid either via cash or GIRO.

If you have made a CPF nomination, you can check your details to find out how your CPF savings will be distributed to your nominee(s).

Matters to Decide When You Are Making a CPF Nomination[20]

Decide who you want to nominate (i.e. who your nominee(s) will be).

Decide the percentage of your CPF savings the nominee(s) should receive.

Decide whether you want to authorise a specific person(s) to obtain your CPF account information upon your demise. The CPF Board, upon request from the authorised person(s), will disclose your CPF statement(s) of account in and after the year of your death and your nomination details to your authorised person(s).

How to Carry Out a CPF Nomination?[21]

Online

 

Items Needed

– Your SingPass

– Your nominees’ NRIC particulars (Name, NRIC No., Mailing address[22], Email address)

– Two witnesses’[23] NRIC particulars (Name, NRIC No., Mailing address[24], Email and/or Singapore-registered Mobile Phone Number)

 

Action

Log in to my CPF Online Services using your SingPass to make an online nomination.

Step 1: Go to Google

Go to Google

 

Step 2: Key in CPF Nomination Scheme

key in cpf nomination scheme

 

Step 3: Click the Link

Click

 

Step 4: Click to make a nomination online

click to make a nomination online

 

Step 5: Enter Your SingPass

Enter SingPass

 

 

What’s Next

 

– Your 2 witnesses will be notified via SMS and/or email that they have to witness your nomination.

– Both witnesses must log in to my CPF online services with their individual Sing Pass within 7 days to confirm your intent to nominate.

– The CPF Board will process your nomination after the completion of the witnessing by both of your witnesses.

– The CPF Board will notify you via SMS and/or email on the status of your nomination.

In-Person at CPF Service Centres

 

Items Needed

– Your IC/passport

– Your nominees’ NRIC particulars (Name, NRIC No., Mailing address[25], Email address)[26]

 

Action

– Book an appointment at least one working day before visiting a CPF service centre[27] in-person because the counter services on premises are available by appointment only.

– Complete your CPF Nomination in the presence of the Customer Service Executives (CSEs) stationed on premises.

– They can act as your witnesses and clarify any questions you may have.

– You do not have to bring along 2 witnesses.

How to Check Nomination Details[28]

Online Using my CPF Online Services

 

Action

– Login with your SingPass.

– Click on My Requests > Nomination Details > View My Nomination Details.

 

Things to Note

– If you are not able to view your nomination details, you can submit an online request via My Requests.

– After your request has been processed, you will receive an email to inform you that you can view your nomination details online. Requests will be processed within 4 working days.

 

In-Person at CPF Service Centres

 

Action

– Please book an appointment at least one working day before visiting in-person because the counter services on premises are available by appointment only.

– You should also bring your identity card/passport to any CPF Service Centres for identification purposes.

 

Things to Note

– Checking of nomination details is available from Monday to Friday only.

– Because your nomination details are confidential, the CPF Board cannot reveal them through other channels such as phone, email, and third parties.

In a Nutshell:

In the past, CPF members who wish to nominate would first have to download, print out and complete Form 6A (1) in the presence of 2 independent witnesses, and thereafter would need to hand this duly completed form to the CPF Board at a CPF service centre, or post it out to the CPF Board.

With the changes to the CPF rules, (as of 16 June 2021), there is no necessity to complete and sign the hard copy of Form 6A (1) anymore. However, if you still prefer to sign the hard copy of the nomination form, it is still open to you to sign the nomination form, in-person at the CPF service centre. Two CPF officers may also act as your witnesses, so it is not necessary to bring along your own witnesses for this trip.

 

This article is jointly authored by Ng Pui Khim and Jonathan Fong.

 

References:

[1] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[2] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[3] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[4] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[5] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=18097&ajfaqid=2300611
[6] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=11583&ajfaqid=2186118
[7] An organization must be a legal entity that is capable of receiving monies in its own right. https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=11583&ajfaqid=2186118
[8] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=11583&ajfaqid=2186118
[9] https://pto.mlaw.gov.sg/deceased-cpf-estate-monies/information-for-next-of-kin-cpf-monies/
[10] https://www.cpf.gov.sg/Members/FAQ/schemes/other-matters/cpf-withdrawals-on-other-grounds/FAQDetails?category=other+matters&group=CPF+Withdrawals+on+Other+Grounds&ajfaqid=2193914&folderid=13909
[11] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=11583&ajfaqid=2186142
[12] You can nominate up to 8 nominees when making a nomination online. If you wish to nominate more than 8, please visit a CPF service centre to make a nomination.
[13] https://www.moneysense.gov.sg/articles/2018/10/cpf-nominations-what-happens-to-your-cpf-when-you-pass-away
[14] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=18097&ajfaqid=2185950
[15] https://www.cpf.gov.sg/members/FAQ/schemes/Other-Matters/CPF-Nomination-Scheme/FAQDetails?category=Other%20Matters&group=CPF%20Nomination%20Scheme&folderid=18097&ajfaqid=2185950
[16] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[17]  CPF savings cannot be included in your Will. They also do not form your estate and are protected from creditor claims on any outstanding debts.
[18] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[19] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[20] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[21] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme
[22] Mailing Address is required for foreigners only. For Singaporeans and PRs, their mailing address will be based on the address registered with the Immigration & Checkpoints Authority (ICA).
[23] Your witnesses should each have a valid SingPass.
[24] Mailing Address is required for foreigners only. For Singaporeans and PRs, their mailing address will be based on the address registered with the Immigration & Checkpoints Authority (ICA).
[25] Mailing Address is required for foreigners only. For Singaporeans and PRs, their mailing address will be based on the address registered with the Immigration & Checkpoints Authority (ICA).
[26] It is advisable to bring along photocopies of your nominee(s)’ identification documents (such as NRIC or foreign identification document) indicating their particulars.
[27] CPF Services Centres no longer provide services on walk-in basis.
[28] https://www.cpf.gov.sg/Members/Schemes/schemes/other-matters/cpf-nomination-scheme

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