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December 19, 2015

CPF Nomination Scheme (2/2)


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Procedures to Make or Change CPF Nominations

Q

How do I change my CPF nomination?

A

You can complete a new nomination form. Your new nomination will supersede the earlier nomination which you have made. Please click for the CPF Nomination Form. We encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives (CSEs) who can be your witnesses and clarify any questions you may have in respect of the nomination process.

 

Alternatively, you may revoke your nomination by submitting a Notice of Revocation of Nominations and we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around.

Q

How do I make a CPF nomination if I had revoked my previous nomination?

A

You can choose to make a new CPF nomination to have your CPF savings distributed according to your wishes by completing a nomination form. Please click for the CPF Nomination Form. We encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives who can be your witnesses and clarify any questions you may have in respect of the nomination process.

 

Alternatively, if you do not wish to make a new CPF nomination, we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for.

Q

How do I make a nomination if I am overseas?

A

If you are overseas, the nomination form must be witnessed by at least a Singaporean, Singapore Permanent Resident, Notary Public or an Official from the Singapore High Commission / Embassy of the Republic of Singapore. Please click for the CPF Nomination Form.

 

Alternatively, if you do not wish to make a new CPF nomination, we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for. However, you can choose to make a new CPF nomination to have your CPF savings distributed according to your wishes by completing a nomination form.

Q

How do I make a nomination if I am a foreigner?

A

If you are overseas, the nomination form must be witnessed by at least a Singaporean, Singapore Permanent Resident, Notary Public or an Official from the Singapore High Commission / Embassy of the Republic of Singapore. Please click for the CPF Nomination Form. We encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives who can be your witnesses and clarify any questions you may have in respect of the nomination process.

 

Alternatively, we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for. However, you can choose to make a new CPF nomination to have your CPF savings distributed according to your wishes by completing a nomination form.

Q

Where do I submit the completed nomination form?

A

You may submit your nomination form at any of our Service Centres. However, we encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives (CSEs) who can be your witnesses and clarify any questions you may have in respect of the nomination process.

Q

Do I need to attach any documents when submitting my nomination form?

A

Yes, you are required to attach the following documents when submitting a nomination form:

 

  • A copy of your NRIC/Passport
  • A copy of both witnesses' NRIC/Passport

Q

Do I need any witnesses to be present if I am making my nomination at any CPF Service Centre?

A

No, the Board's Customer Service Executives can act as your witnesses.

Q

Can I update my nomination details online?

A

No. To update your nomination details, you will need to make a new nomination by completing the nomination form. We encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives (CSEs) who can be your witnesses and clarify any questions you may have in respect of the nomination process.

 

Please click for the CPF Nomination form.

Q

Do I have to make a nomination after giving birth?

A

If you have made a nomination before giving birth, your existing CPF nomination is still valid and you do not need to make another nomination unless you wish to include this child as a nominee. Please click for the CPF Nomination Form.

 

If you do not have a prior nomination, you do not need to make a nomination as we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for.

Q

Can I make a nomination if I am a bankrupt?

A

Yes, you can choose to make a CPF nomination to have your CPF savings distributed according to your wishes. However, if you choose not to make a nomination, we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for.

Q

Can a blind person make a nomination?

A

Yes, he can choose to make a CPF nomination to have his CPF savings distributed according to his wishes. He has to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives (CSEs) who can be his witnesses and clarify any questions he may have in respect of the nomination process. However, if he chooses not to make a nomination, we will pay his CPF savings to the Public Trustee for distribution to his family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when he is no longer around. This ensures that the welfare of his dependants is provided for.

Q

Can a person who is seriously ill make a nomination?

A

The member can make a nomination provided he is conscious and of sound mind at the time of signing the nomination form. This should preferably be witnessed by a doctor and another person aged 21 years and above. The completed form should be submitted with a memo / letter from his doctor indicating that the member has the mental capacity to make a nomination.

Procedure to check on Nomination Details

Q

How can I check whether I have made a nomination?

A

You can check whether you have made a nomination by viewing your Statement of Account or by logging on to www.cpf.gov.sg > my cpf Online Services > My Messages. A nomination message will be displayed only if you have made a nomination.

 

Alternatively, you can come personally to any of the Board's Service Centres (from Mondays to Fridays) with your identity card/passport.

Q

How can I check my nomination details / the name of my nominee(s)?

A

You can view your nomination details through the following channels -

 

Online at www.cpf.gov.sg > my cpf Online Services​ > My Requests. You will receive an email notification once your request has been processed. The link in the email will direct you to view your nomination details online. Alternatively, you can view your nomination details by clicking on the transaction number of your request at www.cpf.gov.sg > my cpf Online Services​ > My Activities on the fourth working day after submitting your request.
In person at any of the Board's Service Centres with your identity card/passport.

 

As your nomination details are confidential, we cannot reveal them to you through other channels (e.g. over the phone, email or even to an authorised third party).

Q

How can I know the identity of the nominee(s) of a deceased member’s nomination?

A

In order for the Board to disclose the identity of the nominee(s) to you, consent from the nominee(s) need to be sought first.


Please visit any of our service centres to complete a Letter of Consent. This will authorise the Board to disclose your identity to the nominee(s) so that they can consider disclosing their identity to you.


The Board will write to the nominee(s) and you will be updated once we have received the nominee(s)' response.

Distribution of CPF Savings With or Without a Nomination

Q

What happens to my CPF savings when I'm no longer around?

A

When you are no longer around, we will pay your CPF savings to the Public Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore. This ensures that the welfare of your dependants is provided for. However, you can choose to make a CPF nomination to have your CPF savings distributed according to your wishes.

Q

What happens to my CPF savings if I had made a nomination?

A

If you had made a valid CPF Nomination, the following will be distributed to your nominees in the proportion as stated in your nomination upon your death:

 

(a) All the savings in the Ordinary, Special, Medisave and Retirement Accounts; and

 

(b) Discounted SingTel (ST) shares.

 

The following are not covered by CPF Nomination:


(c) Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA);


(d) Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA);


(e) Dependents' Protection Scheme (DPS) claim proceeds * and


(f) Properties bought with CPF savings **.

 

Assets (c) and (d) form part of your estate.

 

* For DPS claim proceeds payable by NTUC Income, if a nomination has been made under the Co-Operative Societies Act, it would then be distributed according to the nomination under the Co-Operative Societies Act.

 

** These will be distributed according to the manner of holding. If the property is held as joint tenancy, the deceased’s share of the property will pass by operation of law to the remaining surviving owner(s). Otherwise, the deceased’s share of the property will form part of the deceased’s estate.


Watch our 5 minute webcast on CPF Nomination to find out more on how CPF savings are distributed when one passes away.

Q

What happens if my nominee and I (e.g. husband and wife) nominate each other and both of us pass away simultaneously?

A

In the event of simultaneous death, the older person is deemed to have died first.


Example 1: Where you and your nominee have nominated each other only


If you are the older nominee, your CPF savings will be paid to your nominee's estate.


If you are the younger nominee, it is deemed that your nominee has died first and there is therefore no nominee. Your CPF savings will be forwarded to the Public Trustee ​ f​or distribution to your family members in accordance with the Intestate Succession Act (Cap 146) for Non-Muslims, and the Administration of Muslim Law Act for Muslims.


Example 2: Where you and your nominee (e.g. spouse) have nominated each other, and other people


Assuming you appointed the nominees as follows:


(1) Spouse - 60%


(2) Mother - 30%


(3) Son - 10%

 

If you are the older spouse, 60% of your CPF savings will be paid to your spouse’s estate. Your mother and son will receive 30% and 10% of your CPF savings respectively.

 

If you are the younger spouse, it is deemed that your spouse has died first. His/her share of your CPF savings will be passed on to the surviving nominees in the same proportion as their specified shares.

 

Your mother and son will receive your CPF savings as follows :

 

(1) Mother - 75% [original 30% + ¾ of your spouse's share (equivalent to 45%)]

 

(2) Son - 25% [original 10% + ¼ of your spouse's share (equivalent to 15%)]

Q

I have bought an annuity in place of the minimum sum when I turned 55. Will my nominees receive the remaining guaranteed sum from my annuity when I pass away?

A

Yes.

Q

What happens to my CPF savings if I did not make a CPF nomination?

A

When you are no longer around, we will pay your CPF savings to the ​​Public T​rustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore. This ensures that the welfare of your dependants is provided for.

 

The following assets are due to the beneficiaries of the deceased’s estate:

 

(a) Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA);

 

(b) Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA);

 

(c) Discounted SingTel (ST) shares;

 

(d) Claim proceeds under Dependent Protection Scheme (DPS)*; and

 

(e) Properties bought with CPF savings**

 

* For DPS claim proceeds payable by NTUC Income, if a nomination has been made under the Co-Operative Societies Act, it would then be distributed according to the nomination under the Co-Operative Societies Act.

 

** These will be distributed according to the manner of holding. If the property is held as joint tenancy, the deceased’s share of the property will pass by operation of law to the remaining surviving owner(s). Otherwise, the deceased’s share of the property will form part of the deceased’s estate.

 

Watch our 5 minute webcast on CPF Nomination to find out more on how CPF savings are distributed when one passes away.

Q

How will CPF savings be distributed under the intestacy laws?

A

Member’s CPF savings will be transferred to the Public Trustee for distribution in accordance with the Intestate Succession Act (Cap 146). His CPF savings will be distributed to his family in the following manner as shown here. Please visit Public Trustee for more details.

 

For a Muslim member, CPF savings will be distributed in accordance with the Inheritance Certificate. His family can obtain the certificate from the Syariah Court, Family Link @ Lengkok Bahru, 8 Lengkok Bahru, #03-01 Singapore 159052. Please visit www.muis.gov.sg for more details.

Q

What will be distributed to my family under the intestacy laws?

A

When you are no longer around, we will pay the savings in your Ordinary, Special, Medisave and Retirement Accounts to the Public​ Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for muslims) in Singapore.

 

The following assets are due to the beneficiaries of the deceased’s estate:

 

(a) Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA);

 

(b) Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA);

 

(c) Discounted SingTel (ST) shares;

 

(d) Claim proceeds under Dependent Protection Scheme (DPS)*; and

 

(e) Properties bought with CPF savings**

 

* For DPS claim proceeds payable by NTUC Income, if a nomination has been made under the Co-Operative Societies Act, it would then be distributed according to the nomination under the Co-Operative Societies Act.

 

** These will be distributed according to the manner of holding. If the property is held as joint tenancy, the deceased’s share of the property will pass by operation of law to the remaining surviving owner(s). Otherwise, the deceased’s share of the property will form part of the deceased’s estate.

 

Watch our 5 minute webcast on CPF Nomination to find out more on how CPF savings are distributed when one passes away.

Q

Who is the Public Trustee and what does he do?

A

The Public Trustee is a government body that acts as a trustee of the deceased's estate. It ensures that the assets of the deceased are distributed to the rightful beneficiaries.

 

If you require further information or clarification, please contact:

 

The Public Trustee's Office
45 Maxwell Road
#07-11, The URA Centre (East Wing)
Singapore 069118
Email: OneMinLaw@mlaw.gov.sg
Tel: 1800 2255 529
Fax: 6224 2858
Website: www.mlaw.gov.sg/content/pto/en.html​

CPF Nomination for members who lack capacity under the Mental Capacity Act 2008

Q

Before I lack capacity [within the meaning of section 4 of the Mental Capacity Act 2008 (MCA)], how can I appoint someone to make decisions on my behalf in respect of my CPF Nomination?

A

You cannot appoint a person to make decisions in respect of your nomination on your behalf.

 

However, the MCA allows the Courts to make or revoke CPF nominations. You should seek your lawyer’s advice on this as an application to court is required.

Q

What happens to a member's CPF nomination when he subsequently lacks capacity?

A

A member’s CPF nomination will remain valid even though he subsequently lacks capacity. As he would not have the capacity to revoke his existing nomination or make a new nomination, his existing CPF nomination will remain valid unless:

 

(a) the sole nominee or all nominees pre-decease the member, or

 

(b) the Court makes an order to revoke the existing nomination.

 

Under the circumstances listed in (a) and (b) above, the member’s CPF nomination would be revoked, upon which the CPF savings of the member would be paid to the Public Trustee for distribution in accordance with intestacy laws.

Q

Under the Mental Capacity Act 2008 (MCA), the Court is empowered to intervene in the will of a person who lacks capacity. Does the Court have the powers to make or revoke CPF nominations on behalf of a member who lacks capacity?

A

Yes. To align the treatment of CPF nominations with that of wills under the MCA, the Mental Capacity Act and the CPF nominations rules have been amended to allow the Court to make or revoke CPF nominations on behalf of a member who lacks capacity.

Q

I am the donee/deputy of the member who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA) and I have been directed by the Court to make a new nomination to benefit certain persons for this member. How can I do it?

A

Please complete the CPF nomination form and indicate that you are the authorised person ordered by the Court to make the CPF nomination on behalf of the member who lacks capacity. The CPF nomination form must be affixed with the Court’s Seal.

 

We encourage you to hand-deliver the completed CPF nomination form (affixed with the Court’s Seal), with a certified true copy of the Order of Court and your NRIC to any CPF Service Centre. Alternatively, you may wish to send the documents to the Board by post.

Q

I am the donee/deputy for the member who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA) and I wish to make a new nomination in respect of the member. Who can be the witnesses to this nomination?

A

Firstly, it is for the court to make a nomination and authorise an authorised person to sign the nomination form in accordance with the directions of the court. The witnesses to the nomination may be our Customer Service Executives (CSEs) at any of our Service Centres.

 

If other 2 witnesses are chosen, please note that the witnesses to the CPF nomination must be at least 21 years old and not lack capacity. Please note that the witnesses cannot be the nominees or the authorised person signing on behalf of the member.

Q

I am the donee/deputy of the member who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA) and the Court has revoked the nomination for this member. What do I do?

A

If the Court accepts your application to revoke the nomination, and makes the order revoking the nomination, please furnish the Board with a copy of the Order of Court and your NRIC as certified true copy by your lawyers.

Q

I am the donee/deputy for the member who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA). How do I make or revoke his CPF nomination?

A

You cannot make or revoke the member’s CPF nomination on your own.

 

You will need to apply to the Court for the Court to make or revoke the member’s CPF nomination. The Court will decide whether to accept your application and make or revoke the member’s CPF nomination based on the member’s best interest.

 

You should seek your lawyer’s advice on this as an application to court is required.

Q

I am the donee/deputy for the member who lacks capacity within the meaning of Section 4 of the Mental Capacity Act 2008 (MCA). How do I obtain his CPF nomination details?

A

If you are a donee and you wish to obtain the member’s CPF nomination details and the lasting power of attorney allows you to obtain such details, please furnish the Board with a copy of your written request and a copy of the lasting power of attorney (LPA) certified as true copy by your lawyers.

 

If the lasting power of attorney does not give you the power to obtain the nomination details or if you are a deputy, you must obtain an order of court directing the Board to disclose the nomination details to you. Where you are a deputy, you could obtain such an order in the same order appointing you as the deputy.

 

The Board will disclose the member’s CPF nomination details to you if the member/Court has authorised you to obtain his confidential information, including nomination details, from the Board in the LPA/Court Order.

Q

I am the donee/deputy for the member who lacks capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA). What will happen to his CPF savings if I did not apply to the Court to make or revoke his existing CPF nomination?

A

If the member had made the nomination before he lacked capacity, the nomination would remain valid after the member subsequently lacks capacity, provided that the nomination is not revoked by the death of all the nominee(s).

 

Upon the death of the member, the Board would distribute his CPF savings to the surviving nominee(s) according to his wishes in the nomination form.

 

In a case where the member did not make a CPF nomination and he passes away, his CPF savings will be transferred to the Public Trustee for distribution in accordance with the Intestate Succession Act (Cap 146). His CPF savings will be distributed to his family in the following manner as shown here. Please visit Public Trustee for more details.

 

For a Muslim member, CPF savings will be distributed in accordance with the Inheritance Certificate. His family can obtain the certificate from the Syariah Court, Family Link @ Lengkok Bahru, 8 Lengkok Bahru, #03-01 Singapore 159052. Please visit www.muis.gov.sg for more details.

Q

What measures are in place to ensure that changes to the CPF nominations of persons who lack capacity within the meaning of section 4 of the Mental Capacity Act 2008 (MCA) are done in their best interest, and that the process is not abused?

A

The treatment of CPF nominations has been aligned with that of wills under the MCA.

 

Safeguards are in place under the MCA as the Court in making decisions on behalf of a member who lacks capacity, has to take into account what is in the member’s “best interests”. This includes taking into consideration the member’s past and present wishes and feelings, his beliefs and values that would likely influence his decision if he had the mental capacity. The Court will also have to take into account the views from persons who were close to the member.

Q

What happens if the CPF Board finds out that the nomination was made whilst the member lacked capacity within the meaning of section 4 of the Mental Capacity Act 2008?

A

If the Board is informed of any facts or circumstances which may affect the validity of the nomination and has evidence and supporting documents to ascertain the fact that the member lacked capacity at the time of making the nomination, the Board will invalidate the nomination made by such a member.

 

Anyone, who is of the view that the nomination is invalid on the grounds that the member lacked capacity at the time the said nomination was made, could also apply to Court to set aside the nomination.

 

In this case, as there was never a valid nomination by the member, the previous nomination (if any) made by the member would remain valid (assuming the member did not lack capacity when he made the previous nomination). The member’s CPF savings would be distributed in accordance with the intention of the member in his previous valid nomination. If there is no previous valid nomination, the CPF savings would be paid to the Public Trustee for distribution in accordance with intestacy laws.

NOM Application Forms

Q

How do I make a nomination?

A

You can choose to make a CPF nomination to have your CPF savings distributed according to your wishes by completing a nomination form. Please click for the CPF Nomination Form. We encourage you to visit any of our CPF Service Centres and complete the nomination form in the presence of our Customer Service Executives who can be your witnesses and clarify any questions you may have in respect of the nomination process.

 

Alternatively, if you do not wish to make a CPF nomination, we will pay your CPF savings to the Publi​c Trustee for distribution to your family member(s) in accordance with the intestacy laws or inheritance certificate (for Muslims) in Singapore when you are no longer around. This ensures that the welfare of your dependants is provided for.

Q

How do I cancel a nomination I made earlier?

A

You can cancel your nomination by completing a Notice of Revocation of Nominations. You can call the CPF Call Centre at 1800-227 1188 to request the form or pick it up from any CPF Service Centre. Simply complete the form and return it to CPF Board. Alternatively, you can complete the Notice of Revocation of Nomination at any of the Board's Service Centres. We encourage you to complete the form before our Customer Service Executives (CSEs) at any of our Service Centres who can be your witnesses and clarify any questions you may have in respect of the nomination process.


Please click for the Notice of Revocation of Nominations.

Q

Where can I locate the application forms related to CPF Nomination scheme?

A

Hardcopy Application Form

(You are encouraged to complete the nomination form in the presence of our Customer Service Executives (CSEs) who can be your witnesses and clarify any questions you may have in respect of the nomination process.)

Online Application Form

Form 6A(1):

CPF Nomination Form 

 

NA

 

 

 

 

Form 3B:

Notice of Revocation of Nominations  

 

NA

 

 

 

 

NA View My Nomination Details

Q

Where can I locate past versions of the application forms related to CPF Nomination Scheme?

A

You can refer to the list below for the past versions for the application forms related to CPF Nomination Scheme.

 

Form A: Nomination Form
Form 1A: Nomination Form
Form 2A: Nomination Form
Form 3A: Nomination Form
Form 4A: Nomination Form
Form 5A: Nomination Form
Form B: Nomination Form
Form 1B: Nomination Form
Form 2B: Nomination Form
Form 6A(2): CPF Nomination Form - Enhanced Nomination System (ENS)

 

Please click for the CPF Nomination Form.

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https://www.cpf.gov.sg/Members/FAQ/schemes/other-matters/cpf-nomination-scheme
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