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CPF Withdrawals on Other GroundsCPF Withdrawals on Other Grounds<span> <p>Besides <a href="/Members/Schemes/schemes/retirement/withdrawals-of-cpf-savings-from-55"> <span style="text-decoration:underline;"> <font color="#0066cc">withdrawal at 55</font></span></a>, a CPF member can apply to withdraw the CPF savings on the following grounds:</p> <ol><li>Distribution of CPF savings upon death of a CPF member </li><li> <a href="/Members/Schemes/schemes/other-matters/cpf-withdrawals-on-other-grounds#Item1696"> <span style="text-decoration:underline;"> <font color="#0066cc">Withdrawal of CPF on medical grounds</font></span></a></li><li> <a href="/Members/Schemes/schemes/other-matters/cpf-withdrawals-on-other-grounds#Item1699"><span style="text-decoration:underline;"><font color="#0066cc">Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently</font></span></a></li><li> <a href="/Members/Schemes/schemes/other-matters/cpf-withdrawals-on-other-grounds#Item1707"><span style="text-decoration:underline;"><font color="#0066cc">Withdrawal of CPF by Malaysians residing in West Malaysia</font></span></a></li></ol></span>TrueFalseTrueOthers;#

 

 

Distribution of CPF savings upon death of a CPF member How does the distribution of CPF savings work? <p>CPF savings will be distributed upon the death of a CPF member. If a CPF nomination is made, it will be distributed to the nominee(s) in the proportion stated. If there is no CPF nomination, the CPF savings will be forwarded to the Public Trustee for distribution in accordance with the intestacy laws of Singapore.</p><p>If the deceased is a Singapore Citizen / Permanent Resident, you need not report the death to us. We will be notified by the relevant public agency and will distribute the CPF monies accordingly.</p><p>If the deceased is a foreigner, you will need to report the death to us via the following modes:</p><ul><li>Mail to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br></li></ul><ul><li>Visit us at any <a href="/Members/Contact/visit-us"> <span style="text-decoration:underline;"> <font color="#0066cc">CPF Service Centres</font></span></a></li></ul><p>You need to provide the following documents:</p><ul><li style="margin-bottom:8px;">The deceased member’s original death certificate and current passport duly cancelled due to his demise, or a copy certified true by an official from a Singapore Overseas Mission with his official seal / stamp duly affixed </li> <li style="margin-bottom:5px;">A letter from the relevant authority confirming the deceased’s identity number, if the death certificate does not bear the deceased member’s identification details </li><li style="margin-bottom:5px;">Documentary evidence of your relationship with the deceased </li><li style="margin-bottom:5px;">Your identity card or passport and contact details</li></ul>CPF Withdrawals on Other Grounds16831683
Distribution of CPF savings upon death of a CPF member Can I use Medisave to pay the last hospitalisation bill?<p>The deceased member’s Medisave can be used fully to pay for his last hospitalisation bill if he had signed the Medisave Authorisation Form (MAF) before his death.</p><p>If he did not sign the MAF, his immediate family members (spouse, parents, or child who is 18 years and above) or donee/deputy could sign the MAF to use his Medisave savings to pay for the last hospitalisation bill. This must be done as soon as possible as hospitals need to submit the Medisave claim before the member’s CPF savings are distributed.</p><p>If there are no immediate family members or donee/deputy, a relative of the deceased has to write to the Ministry of Health through the hospital to seek approval.</p>CPF Withdrawals on Other Grounds16851685
Distribution of CPF savings upon death of a CPF member What is the distribution process of CPF monies?<p>If there is a valid <a href="/Members/Schemes/schemes/other-matters/cpf-nomination-scheme"><span style="text-decoration:underline;"><font color="#0066cc">CPF nomination</font></span></a>, we will get in touch with the nominee(s) within 15 working days from the date the Board is notified of the member's death.</p><table class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td width="261" align="center"><b class="fontbold">Covered under CPF Nomination</b></td><td width="269" align="center"><b class="fontbold">Not covered under CPF Nomination</b></td></tr><tr align="left" valign="top"><td width="261"><ol><li style="margin-bottom:8px;">CPF savings in your Ordinary, Special, Medisave and Retirement Accounts </li><li style="margin-bottom:8px;">Unused CPF LIFE premiums, if any </li><li style="margin-bottom:8px;">Discounted SingTel shares</li></ol></td><td width="269"><ol><li style="margin-bottom:8px;">Properties bought using your CPF savings </li><li style="margin-bottom:8px;">Payouts from Dependants’ Protection Scheme (DPS)* </li><li style="margin-bottom:8px;">Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA) </li><li style="margin-bottom:8px;">Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA)</li></ol><br>These will form part of the deceased member’s estate. You can find out more about <a href="http://www.moneysense.gov.sg/life-events/preparing-for-the-worst.aspx" target="_blank">estate planning</a> at the MoneySENSE website.</td></tr></tbody></table><br>* DPS is administered by two appointed insurers, <a href="http://www.greateasternlife.com/sg/en/solutions-for-your-needs/protect/dps.shtml" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Great Eastern Life</font></span></a> and <a href="http://www.income.com.sg/insurance/DPS/index.asp" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">NTUC Income</font></span></a>. To submit a claim application, you can contact the insurer directly.CPF Withdrawals on Other Grounds16871687
Distribution of CPF savings upon death of a CPF member What happens if the deceased did not make a CPF nomination?<p>The CPF savings will be forwarded to the <a href="http://www.ipto.gov.sg/" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Public Trustee</font></span></a> for distribution in accordance with the <a href="/Members/FAQ/schemes/other-matters/cpf-withdrawals-on-other-grounds" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">intestacy laws</font></span></a>.</p><p>For non-Muslims, the CPF savings will be distributed in accordance with the Intestate Succession Act.</p><p>For Muslims, the CPF savings will be distributed in accordance with the Administration of Muslim Law Act.</p>CPF Withdrawals on Other Grounds16881688
Distribution of CPF savings upon death of a CPF member What happens to the property owned by the deceased?<p>If the deceased bought the property with CPF savings, the property is not covered by CPF nomination and it will form part of the estate of the deceased. There is no need to refund the CPF savings withdrawn for the property to the CPF account.</p><p>If the property is held under joint-tenancy, the deceased's interest in the property will automatically be passed to the remaining owner(s) who will hold the entire property in his/their name(s).</p><p>If the property is held under tenancy-in-common or solely owned, the deceased's interest in the property will be passed by inheritance, according to his Will and Testament (if any); else, in accordance with the intestacy laws.</p>CPF Withdrawals on Other Grounds16861686
Distribution of CPF savings upon death of a CPF member Do I need to make a claim under Home Protection Scheme (HPS)?<p>If the deceased member was insured under <a href="/Members/Schemes/schemes/housing/home-protection-scheme"> <font color="#0066cc">Home Protection Scheme (HPS)</font></a> with an outstanding housing loan, we will get in touch with the family members on the claim procedure.</p><p>Alternatively, family members can make a claim via the following ways:</p><p> <strong>Online using <em> <strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"> <font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests. </li><li style="margin-bottom:5pt;">Attach a scanned copy of the death certificate.</li></ol><p> <strong>Mail</strong></p><p>The family members of the deceased can:</p><ol><li style="margin-bottom:5pt;">Download and complete <a href="/Assets/members/Documents/FORM_HPS_D.pdf" target="_blank"> <font color="#0066cc">Application form to claim Home Protection Scheme upon death</font></a>. </li><li style="margin-bottom:5pt;">Attach a scanned copy of the death certificate. </li><li style="margin-bottom:5pt;">Mail it to:<br>CPF Board<br>Home Protection Scheme Department (HPS)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br><br>Your application will be processed according to the <a href="/Members/AboutUs/about-us-info/service-standards-for-members/other-matters#withdrawalsonothergrounds"> <font color="#0066cc">service standards</font></a>.</li></ol><p>To check if there is an outstanding housing loan, you can approach the Housing & Development Board (HDB) or his mortgagee.</p>CPF Withdrawals on Other Grounds16901690
Distribution of CPF savings upon death of a CPF member What happens to the CPF savings used under the CPF Education Scheme?<p>​If a deceased member had used his CPF savings or he is a student who had used CPF savings under the CPF Education Scheme, there is no need to repay the CPF savings withdrawn, including the accrued interest.</p>CPF Withdrawals on Other Grounds16911691
Distribution of CPF savings upon death of a CPF member What happens to the investments under the CPF Investment Scheme (CPFIS)?<p>If the deceased had used his CPF savings for investments under the CPFIS-OA/SA, the investments as well as any cash balance in his CPF Investment Account <strong>will form part of his estate</strong>. The administrators of the estate can claim the investments directly from the agent bank or product provider.</p><p>For NTUC Income policies bought under CPFIS, you will need to check with <a href="http://www.income.com.sg/claims/index.asp" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">NTUC Income</font></span></a> if there is a separate nomination made for the policy.</p>CPF Withdrawals on Other Grounds16941694
Distribution of CPF savings upon death of a CPF member What happens to the discounted SingTel (ST) shares?<p>If a member passes away on or after 1 January 1996, his discounted ST shares will be distributed to his nominee(s) in the proportion he had indicated in his CPF nomination. The Board may transfer the shares to the nominee’s personal Central Depository Pte Ltd (CDP) securities account, or sell the shares on the request of the nominee.</p><p>If a member passed away before 1 January 1996 or did not make a valid CPF nomination, CPF Board will transfer his discounted ST shares to his securities account or the estate securities account opened by his appointed executor(s) or administrator(s). If there is no securities account or estate securities account, the appointed executor(s) or administrator(s) may instruct the Board to sell the ST shares.</p><p>If no executor or administrator is appointed for the estate of the deceased member, a representative appointed by the family may instruct the Board to sell the ST shares.</p>CPF Withdrawals on Other Grounds16921692
Distribution of CPF savings upon death of a CPF member How do I apply for withdrawal of the deceased member’s CPF savings if I am one of the nominee(s)? <p> <strong>Online using <em> <strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"> <font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests.</li></ol><p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFD1.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw Deceased Member’s CPF</font></a>. </li><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br><br>Upon receipt of your application and supporting documents (if applicable), payment will be made according to our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/other-matters#withdrawalsonothergrounds"> <font color="#0066cc">service standards</font></a>.</li></ol>CPF Withdrawals on Other Grounds16951695
Withdrawal of CPF on medical groundsWho is eligible? <p>You can apply to withdraw your CPF savings on medical grounds if you</p><ol type="i"><li style="margin-bottom:5pt;">are suffering from an illness which renders you permanently unfit from ever continuing in any employment; or </li><li style="margin-bottom:5pt;">have a severely reduced lifespan; or </li><li style="margin-bottom:5pt;">lack capacity within the meaning of Section 4 of the Mental Capacity Act (MCA) and the lack of capacity is likely to be permanent; or </li><li style="margin-bottom:5pt;">are terminally ill.</li></ol>CPF Withdrawals on Other Grounds16961696
Withdrawal of CPF on medical groundsHow does it work?<p>If your application is approved under Condition (i) to (iii), you will be able to withdraw from your Ordinary, Special and Retirement Accounts, the higher of</p><ol type="i"><li>Up to $5,000<sup>1</sup>; or</li><li>Savings after setting aside a reduced Retirement Sum in your Retirement Account.</li></ol><p>You will also receive monthly payouts from the amount set aside in your Retirement Account (subject to a minimum of $450) until the balance in your Retirement Account is exhausted.</p><p>If your application is approved under Condition (iv), you will be able to fully withdraw the savings in your CPF Ordinary, Special and Retirement Accounts.</p><p><span style="font-size:0.83em;"><sup>1 </sup>Excludes monies received under the Retirement Sum Topping Up Scheme </span></p>CPF Withdrawals on Other Grounds16971697
Withdrawal of CPF on medical groundsWhat if you are mentally unwell and unable to handle money?<p>Your next-of-kin can apply to the court to be appointed your <a href="http://www.publicguardian.gov.sg/Court-Appointed-Deputy/What-Is-A-Court-Appointed-Deputy" target="_blank"> <font color="#0066cc">deputy</font></a> under the Mental Capacity Act (MCA). Thereafter, the appointed deputy can apply to the Board to withdraw your CPF savings by submitting the Order of Court and a recent medical report on your medical condition.</p><p>Alternatively, if you had executed a <a href="http://www.publicguardian.gov.sg/The-LPA/The-Lasting-Power-of-Attorney" target="_blank"> <font color="#0066cc">Lasting Power of Attorney</font></a> under the MCA (before you were assessed to be lacking mental capacity), your donee can apply, on your behalf, by providing us with the Lasting Power of Attorney and a recent medical report stating that the lack of mental capacity is likely to be permanent.</p> <p>For more information on the Mental Capacity Act and Lasting Power of Attorney, you can refer to the <a href="http://www.publicguardian.gov.sg/Home.aspx" target="_blank"> <font color="#0066cc">Office of the Public Guardian's website</font></a>.</p>CPF Withdrawals on Other Grounds16891689
Withdrawal of CPF on medical groundsHow do I apply for withdrawal on medical grounds?<p> <strong>Online using <em><strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"><font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests. </li><li style="margin-bottom:5pt;">Mail the <a href="/Assets/members/Documents/MGS_MedicalCertificationForm.pdf" target="_blank"><font color="#0066cc">medical certification form</font></a> to be completed by your doctor to : <p>CPF Board<br>Retirement Schemes Department (RSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</p></li></ol><p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Complete the <a href="/Assets/members/Documents/FORM_CPF_MGSHPS.pdf" target="_blank"><font color="#0066cc">Application Form for CPF Withdrawal on Medical Grounds</font></a>. Please note that <strong>Section 5</strong> of the form has to be completed by your doctor. </li><li style="margin-bottom:5pt;">Mail it to: <p>CPF Board<br>Retirement Schemes Department (RSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</p></li></ol><p>Upon receipt of your application, we will review the case and update you on the status within seven working days. Please note that we may request a medical report from your doctor / the Board’s appointed panel of doctors to assess your application.</p><p>If your application is approved, you will receive your monthly payments by the 4<sup><font size="2">th</font></sup> working day of the month (if you have opted to receive payment by Interbank GIRO) or by the 8<sup><font size="2">th</font></sup> working day of the month (if you have opted to receive payment by cheque). </p>CPF Withdrawals on Other Grounds17041704
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWho is eligible? <p>​You can withdraw your CPF in full if you are about to leave or have left Singapore and West Malaysia permanently with no intention of returning to either country for employment or residence.</p>CPF Withdrawals on Other Grounds16991699
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWhat happens to my investments under CPF Investment Scheme?<p>If you have invested under the CPFIS-Ordinary Account, your CPF Investment Account will be closed and any investment holdings or cash balance will be released to you by your agent bank. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p><p>If you have invested under the CPFIS-Special Account, the Board will inform your product provider(s) to release any investment holdings to you. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p>CPF Withdrawals on Other Grounds17031703
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWhat happens to my CPF LIFE plan if I am withdrawing my CPF?<p>If your application to withdraw CPF is approved and you are covered under the CPF LIFE Standard or Basic Plan, you will be given two options:</p><ol><li style="margin-bottom:5pt;">Terminate your LIFE policy and receive a refund of the unused premium. </li><li style="margin-bottom:5pt;">Retain your LIFE policy under the CPF LIFE Scheme, and you can start receiving monthly payouts from your <span style="text-decoration:underline;"><font color="#0066cc"><a href="/Members/Schemes/schemes/retirement/retirement-sum-scheme#Item1592">payout eligibility age</a></font></span> for as long as you live. You will need to have a Singapore personal /joint bank account for us to credit your monthly payouts.</li></ol>CPF Withdrawals on Other Grounds17051705
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyHow do I apply to withdraw CPF if I am leaving Singapore and West Malaysia permanently?<p>​<strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</font></a> under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the supporting documents required according to your citizenship status (see table below). The supporting documents must be certified by an official of a Singapore Overseas Mission with his official seal/stamp duty affixed.<br><br> <table class="ms-rteTable-default" cellspacing="0" style="width:490px;"><tbody><tr bgcolor="#d2d2d2"><th> <span style="color:#444444;"><strong>Citizenship Status of Member </strong></span></th><th> <span style="color:#444444;"> <strong> Documents Required</strong> </span> </th></tr></tbody><tbody><tr><td valign="top">For a member who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia)</td><td><ol><li>Current valid passport and passports used during your employment / residence in Singapore.<br></li><li>Foreign citizenship certificate (if there is no foreign passport).</li><li>Foreign identity card/document showing your personal identification number (if any).</li><li>A letter from the Immigration & Checkpoints Authority confirming the renunciation of your Singapore citizenship.</li></ol></td></tr><tr><td valign="top">For a member who is a Malaysian</td><td><ol><li>Malaysian identity card that is currently valid.<br></li><li>International passport showing the passport number, full personal particulars, signature and date of expiry of the passport.<br></li><li>Evidence of foreign permanent residency or citizenship.<br></li><li>A letter from the Immigration & Checkpoints Authority, confirming the cancellation of your Singapore Permanent Residency, if applicable.</li></ol></td></tr><tr><td valign="top">For a member who is not a citizen of Singapore or Malaysia</td><td><ol><li>Current valid passport and passports used during your employment / residence in Singapore.<br></li><li>Foreign citizenship certificate (if there is no foreign passport).<br></li><li>Foreign identity card/document showing your personal identification number (if any).</li><li>A letter from the Immigration & Checkpoints Authority, confirming the cancellation of your Singapore Permanent Residency, if applicable.</li></ol></td></tr></tbody></table> <br>For verification purpose, you must also submit the following information and supporting documents: <ul><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">​The names of all the companies in Singapore whom you had worked for and the years in which you had started and stopped working for each company. </li><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">The name(s) of your nominee(s) and your relationships with them if you had made a CPF nomination or indicate no CPF nomination made if you had not made a CPF nomination. </li><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">Deed poll / change of name certificate / marriage certificate if the name in your passport / citizenship certificate / bank account differs from that in your records. The document must show clearly your original / maiden name and your new / married name.</li></ul><p>You may be required to visit the <a href="/Members/Contact/visit-us"> <font color="#0066cc">CPF Service Centre</font></a> personally if you are unable to provide the requested information for verification.</p></li><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</font></a>. </li><li style="margin-bottom:5pt;">Submit the completed <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">application form</font></a> with the original supporting documents at any <a href="/Members/Contact/visit-us"> <font color="#0066cc">CPF Service Centre</font></a>.</li></ol>CPF Withdrawals on Other Grounds17061706
Withdrawal of CPF by Malaysians residing in West MalaysiaWho is eligible? <p>You can withdraw your CPF in full if you meet <strong>all</strong> the following conditions:</p><ol type="i"><li>You are a Malaysian Citizen and have left Singapore permanently to reside in West Malaysia.<br> </li><li>You do not hold a valid Singapore Work Permit/Employment Pass and have renounced your Singapore Permanent Residency (if applicable).<br> </li><li>You are either:<br></li></ol><ol type="a"><li style="margin-bottom:4pt;margin-left:18.45pt;">55 years old and above; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Below 55 years old but above 50 years old and have not worked in Singapore in the last two years before your application; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Physically or mentally incapacitated from ever continuing any employment or is found to be of unsound mind.</li></ol>CPF Withdrawals on Other Grounds17071707
Withdrawal of CPF by Malaysians residing in West MalaysiaWhat happens to my investments under CPF Investment Scheme?<p>If you have invested under the CPFIS-Ordinary Account, your CPF Investment Account will be closed and any investment holdings or cash balance will be released to you by your agent bank. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p><p>If you have invested under the CPFIS-Special Account, the Board will inform your product provider(s) to release any investment holdings to you. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p>CPF Withdrawals on Other Grounds16981698
Withdrawal of CPF by Malaysians residing in West MalaysiaWhat happens to my CPF LIFE plan if I am withdrawing my CPF?<p>If your withdrawal application is approved and you are covered under the CPF LIFE Standard or CPF LIFE Basic Plan, you will be given two options:​</p><ol><li style="margin-bottom:5pt;">Terminate your LIFE policy and receive a refund of the unused premium. </li><li style="margin-bottom:5pt;">Retain your LIFE policy under the CPF LIFE Scheme, and you can start receiving monthly payouts from your <a href="/Members/Schemes/schemes/retirement/retirement-sum-scheme#Item1592">payout eligibility age​</a> for as long as you live. You will need to have a Singapore personal /joint bank account for us to credit your monthly payout.</li></ol>CPF Withdrawals on Other Grounds17011701
Withdrawal of CPF by Malaysians residing in West MalaysiaHow do I apply to withdraw my CPF if I fulfil the eligibility criteria as a Malaysian residing in West Malaysia?<p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank"><font color="#0066cc">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</font></a> under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the following supporting documents certified by an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.</li></ol><ul><li style="margin-bottom:5pt;margin-left:10.45pt;">Malaysian identity card (both sides) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Malaysian passport showing your passport number and personal particulars (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">The page of your passport showing the cancellation of long term pass / dependent pass (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Letter from the Immigration & Checkpoints Authority (ICA) confirming that you have renounced Singapore citizenship (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Letter from ICA confirming the cancellation of your Entry Permit and Re-entry Permit and the renunciation of your Singapore Permanent Residency (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Doctor’s medical report dated within six months stating your current state of health, level of incapacity and disability to work (applicable if you are applying on medical grounds) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Your bank passbook showing the name and bank account number, if payment is to be credited to your bank account. If you wish to credit the CPF monies to a foreign bank outside Singapore, please also state the full bank address and SWIFT code.<br></li></ul><ul><p>For verification purpose, you must also submit the following information and supporting documents:</p><li style="margin-bottom:5pt;margin-left:10.45pt;">Deed poll / change of name certificate / marriage certificate if the name in your passport / citizenship certificate / bank account differs from that in your records. The document must show clearly your original / maiden name and your new / married name.<br> <p>You may be required to visit the <a href="/Members/Contact/visit-us"><font color="#0066cc">CPF Service Centre</font></a> personally if you are unable to provide the requested information for verification.</p></li></ul><ol start="3" style="margin-bottom:5pt;"><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> </p><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank"><font color="#0066cc">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</font></a>. </li><li style="margin-bottom:5pt;">Submit the completed form with the original supporting documents listed above at any <a href="/Members/Contact/visit-us"><font color="#0066cc">CPF Service Centre</font></a>.</li></ol>CPF Withdrawals on Other Grounds17091709

 

 

Distribution of CPF savings upon death of a CPF member How does the distribution of CPF savings work? <p>CPF savings will be distributed upon the death of a CPF member. If a CPF nomination is made, it will be distributed to the nominee(s) in the proportion stated. If there is no CPF nomination, the CPF savings will be forwarded to the Public Trustee for distribution in accordance with the intestacy laws of Singapore.</p><p>If the deceased is a Singapore Citizen / Permanent Resident, you need not report the death to us. We will be notified by the relevant public agency and will distribute the CPF monies accordingly.</p><p>If the deceased is a foreigner, you will need to report the death to us via the following modes:</p><ul><li>Mail to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br></li></ul><ul><li>Visit us at any <a href="/Members/Contact/visit-us"> <span style="text-decoration:underline;"> <font color="#0066cc">CPF Service Centres</font></span></a></li></ul><p>You need to provide the following documents:</p><ul><li style="margin-bottom:8px;">The deceased member’s original death certificate and current passport duly cancelled due to his demise, or a copy certified true by an official from a Singapore Overseas Mission with his official seal / stamp duly affixed </li> <li style="margin-bottom:5px;">A letter from the relevant authority confirming the deceased’s identity number, if the death certificate does not bear the deceased member’s identification details </li><li style="margin-bottom:5px;">Documentary evidence of your relationship with the deceased </li><li style="margin-bottom:5px;">Your identity card or passport and contact details</li></ul>CPF Withdrawals on Other Grounds16831683
Distribution of CPF savings upon death of a CPF member Can I use Medisave to pay the last hospitalisation bill?<p>The deceased member’s Medisave can be used fully to pay for his last hospitalisation bill if he had signed the Medisave Authorisation Form (MAF) before his death.</p><p>If he did not sign the MAF, his immediate family members (spouse, parents, or child who is 18 years and above) or donee/deputy could sign the MAF to use his Medisave savings to pay for the last hospitalisation bill. This must be done as soon as possible as hospitals need to submit the Medisave claim before the member’s CPF savings are distributed.</p><p>If there are no immediate family members or donee/deputy, a relative of the deceased has to write to the Ministry of Health through the hospital to seek approval.</p>CPF Withdrawals on Other Grounds16851685
Distribution of CPF savings upon death of a CPF member What is the distribution process of CPF monies?<p>If there is a valid <a href="/Members/Schemes/schemes/other-matters/cpf-nomination-scheme"><span style="text-decoration:underline;"><font color="#0066cc">CPF nomination</font></span></a>, we will get in touch with the nominee(s) within 15 working days from the date the Board is notified of the member's death.</p><table class="ms-rteTable-default" cellspacing="0"><tbody><tr bgcolor="#d2d2d2"><td width="261" align="center"><b class="fontbold">Covered under CPF Nomination</b></td><td width="269" align="center"><b class="fontbold">Not covered under CPF Nomination</b></td></tr><tr align="left" valign="top"><td width="261"><ol><li style="margin-bottom:8px;">CPF savings in your Ordinary, Special, Medisave and Retirement Accounts </li><li style="margin-bottom:8px;">Unused CPF LIFE premiums, if any </li><li style="margin-bottom:8px;">Discounted SingTel shares</li></ol></td><td width="269"><ol><li style="margin-bottom:8px;">Properties bought using your CPF savings </li><li style="margin-bottom:8px;">Payouts from Dependants’ Protection Scheme (DPS)* </li><li style="margin-bottom:8px;">Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA) </li><li style="margin-bottom:8px;">Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA)</li></ol><br>These will form part of the deceased member’s estate. You can find out more about <a href="http://www.moneysense.gov.sg/life-events/preparing-for-the-worst.aspx" target="_blank">estate planning</a> at the MoneySENSE website.</td></tr></tbody></table><br>* DPS is administered by two appointed insurers, <a href="http://www.greateasternlife.com/sg/en/solutions-for-your-needs/protect/dps.shtml" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Great Eastern Life</font></span></a> and <a href="http://www.income.com.sg/insurance/DPS/index.asp" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">NTUC Income</font></span></a>. To submit a claim application, you can contact the insurer directly.CPF Withdrawals on Other Grounds16871687
Distribution of CPF savings upon death of a CPF member What happens if the deceased did not make a CPF nomination?<p>The CPF savings will be forwarded to the <a href="http://www.ipto.gov.sg/" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">Public Trustee</font></span></a> for distribution in accordance with the <a href="/Members/FAQ/schemes/other-matters/cpf-withdrawals-on-other-grounds" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">intestacy laws</font></span></a>.</p><p>For non-Muslims, the CPF savings will be distributed in accordance with the Intestate Succession Act.</p><p>For Muslims, the CPF savings will be distributed in accordance with the Administration of Muslim Law Act.</p>CPF Withdrawals on Other Grounds16881688
Distribution of CPF savings upon death of a CPF member What happens to the property owned by the deceased?<p>If the deceased bought the property with CPF savings, the property is not covered by CPF nomination and it will form part of the estate of the deceased. There is no need to refund the CPF savings withdrawn for the property to the CPF account.</p><p>If the property is held under joint-tenancy, the deceased's interest in the property will automatically be passed to the remaining owner(s) who will hold the entire property in his/their name(s).</p><p>If the property is held under tenancy-in-common or solely owned, the deceased's interest in the property will be passed by inheritance, according to his Will and Testament (if any); else, in accordance with the intestacy laws.</p>CPF Withdrawals on Other Grounds16861686
Distribution of CPF savings upon death of a CPF member Do I need to make a claim under Home Protection Scheme (HPS)?<p>If the deceased member was insured under <a href="/Members/Schemes/schemes/housing/home-protection-scheme"> <font color="#0066cc">Home Protection Scheme (HPS)</font></a> with an outstanding housing loan, we will get in touch with the family members on the claim procedure.</p><p>Alternatively, family members can make a claim via the following ways:</p><p> <strong>Online using <em> <strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"> <font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests. </li><li style="margin-bottom:5pt;">Attach a scanned copy of the death certificate.</li></ol><p> <strong>Mail</strong></p><p>The family members of the deceased can:</p><ol><li style="margin-bottom:5pt;">Download and complete <a href="/Assets/members/Documents/FORM_HPS_D.pdf" target="_blank"> <font color="#0066cc">Application form to claim Home Protection Scheme upon death</font></a>. </li><li style="margin-bottom:5pt;">Attach a scanned copy of the death certificate. </li><li style="margin-bottom:5pt;">Mail it to:<br>CPF Board<br>Home Protection Scheme Department (HPS)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br><br>Your application will be processed according to the <a href="/Members/AboutUs/about-us-info/service-standards-for-members/other-matters#withdrawalsonothergrounds"> <font color="#0066cc">service standards</font></a>.</li></ol><p>To check if there is an outstanding housing loan, you can approach the Housing & Development Board (HDB) or his mortgagee.</p>CPF Withdrawals on Other Grounds16901690
Distribution of CPF savings upon death of a CPF member What happens to the CPF savings used under the CPF Education Scheme?<p>​If a deceased member had used his CPF savings or he is a student who had used CPF savings under the CPF Education Scheme, there is no need to repay the CPF savings withdrawn, including the accrued interest.</p>CPF Withdrawals on Other Grounds16911691
Distribution of CPF savings upon death of a CPF member What happens to the investments under the CPF Investment Scheme (CPFIS)?<p>If the deceased had used his CPF savings for investments under the CPFIS-OA/SA, the investments as well as any cash balance in his CPF Investment Account <strong>will form part of his estate</strong>. The administrators of the estate can claim the investments directly from the agent bank or product provider.</p><p>For NTUC Income policies bought under CPFIS, you will need to check with <a href="http://www.income.com.sg/claims/index.asp" target="_blank"><span style="text-decoration:underline;"><font color="#0066cc">NTUC Income</font></span></a> if there is a separate nomination made for the policy.</p>CPF Withdrawals on Other Grounds16941694
Distribution of CPF savings upon death of a CPF member What happens to the discounted SingTel (ST) shares?<p>If a member passes away on or after 1 January 1996, his discounted ST shares will be distributed to his nominee(s) in the proportion he had indicated in his CPF nomination. The Board may transfer the shares to the nominee’s personal Central Depository Pte Ltd (CDP) securities account, or sell the shares on the request of the nominee.</p><p>If a member passed away before 1 January 1996 or did not make a valid CPF nomination, CPF Board will transfer his discounted ST shares to his securities account or the estate securities account opened by his appointed executor(s) or administrator(s). If there is no securities account or estate securities account, the appointed executor(s) or administrator(s) may instruct the Board to sell the ST shares.</p><p>If no executor or administrator is appointed for the estate of the deceased member, a representative appointed by the family may instruct the Board to sell the ST shares.</p>CPF Withdrawals on Other Grounds16921692
Distribution of CPF savings upon death of a CPF member How do I apply for withdrawal of the deceased member’s CPF savings if I am one of the nominee(s)? <p> <strong>Online using <em> <strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"> <font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests.</li></ol><p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFD1.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw Deceased Member’s CPF</font></a>. </li><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685<br><br>Upon receipt of your application and supporting documents (if applicable), payment will be made according to our <a href="/Members/AboutUs/about-us-info/service-standards-for-members/other-matters#withdrawalsonothergrounds"> <font color="#0066cc">service standards</font></a>.</li></ol>CPF Withdrawals on Other Grounds16951695
Withdrawal of CPF on medical groundsWho is eligible? <p>You can apply to withdraw your CPF savings on medical grounds if you</p><ol type="i"><li style="margin-bottom:5pt;">are suffering from an illness which renders you permanently unfit from ever continuing in any employment; or </li><li style="margin-bottom:5pt;">have a severely reduced lifespan; or </li><li style="margin-bottom:5pt;">lack capacity within the meaning of Section 4 of the Mental Capacity Act (MCA) and the lack of capacity is likely to be permanent; or </li><li style="margin-bottom:5pt;">are terminally ill.</li></ol>CPF Withdrawals on Other Grounds16961696
Withdrawal of CPF on medical groundsHow does it work?<p>If your application is approved under Condition (i) to (iii), you will be able to withdraw from your Ordinary, Special and Retirement Accounts, the higher of</p><ol type="i"><li>Up to $5,000<sup>1</sup>; or</li><li>Savings after setting aside a reduced Retirement Sum in your Retirement Account.</li></ol><p>You will also receive monthly payouts from the amount set aside in your Retirement Account (subject to a minimum of $450) until the balance in your Retirement Account is exhausted.</p><p>If your application is approved under Condition (iv), you will be able to fully withdraw the savings in your CPF Ordinary, Special and Retirement Accounts.</p><p><span style="font-size:0.83em;"><sup>1 </sup>Excludes monies received under the Retirement Sum Topping Up Scheme </span></p>CPF Withdrawals on Other Grounds16971697
Withdrawal of CPF on medical groundsWhat if you are mentally unwell and unable to handle money?<p>Your next-of-kin can apply to the court to be appointed your <a href="http://www.publicguardian.gov.sg/Court-Appointed-Deputy/What-Is-A-Court-Appointed-Deputy" target="_blank"> <font color="#0066cc">deputy</font></a> under the Mental Capacity Act (MCA). Thereafter, the appointed deputy can apply to the Board to withdraw your CPF savings by submitting the Order of Court and a recent medical report on your medical condition.</p><p>Alternatively, if you had executed a <a href="http://www.publicguardian.gov.sg/The-LPA/The-Lasting-Power-of-Attorney" target="_blank"> <font color="#0066cc">Lasting Power of Attorney</font></a> under the MCA (before you were assessed to be lacking mental capacity), your donee can apply, on your behalf, by providing us with the Lasting Power of Attorney and a recent medical report stating that the lack of mental capacity is likely to be permanent.</p> <p>For more information on the Mental Capacity Act and Lasting Power of Attorney, you can refer to the <a href="http://www.publicguardian.gov.sg/Home.aspx" target="_blank"> <font color="#0066cc">Office of the Public Guardian's website</font></a>.</p>CPF Withdrawals on Other Grounds16891689
Withdrawal of CPF on medical groundsHow do I apply for withdrawal on medical grounds?<p> <strong>Online using <em><strong>my cpf</strong></em></strong></p><ol><li style="margin-bottom:5pt;">Login with your <a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices"><font color="#0066cc">SingPass</font></a>. </li><li style="margin-bottom:5pt;">Submit an online application via My Requests. </li><li style="margin-bottom:5pt;">Mail the <a href="/Assets/members/Documents/MGS_MedicalCertificationForm.pdf" target="_blank"><font color="#0066cc">medical certification form</font></a> to be completed by your doctor to : <p>CPF Board<br>Retirement Schemes Department (RSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</p></li></ol><p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Complete the <a href="/Assets/members/Documents/FORM_CPF_MGSHPS.pdf" target="_blank"><font color="#0066cc">Application Form for CPF Withdrawal on Medical Grounds</font></a>. Please note that <strong>Section 5</strong> of the form has to be completed by your doctor. </li><li style="margin-bottom:5pt;">Mail it to: <p>CPF Board<br>Retirement Schemes Department (RSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</p></li></ol><p>Upon receipt of your application, we will review the case and update you on the status within seven working days. Please note that we may request a medical report from your doctor / the Board’s appointed panel of doctors to assess your application.</p><p>If your application is approved, you will receive your monthly payments by the 4<sup><font size="2">th</font></sup> working day of the month (if you have opted to receive payment by Interbank GIRO) or by the 8<sup><font size="2">th</font></sup> working day of the month (if you have opted to receive payment by cheque). </p>CPF Withdrawals on Other Grounds17041704
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWho is eligible? <p>​You can withdraw your CPF in full if you are about to leave or have left Singapore and West Malaysia permanently with no intention of returning to either country for employment or residence.</p>CPF Withdrawals on Other Grounds16991699
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWhat happens to my investments under CPF Investment Scheme?<p>If you have invested under the CPFIS-Ordinary Account, your CPF Investment Account will be closed and any investment holdings or cash balance will be released to you by your agent bank. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p><p>If you have invested under the CPFIS-Special Account, the Board will inform your product provider(s) to release any investment holdings to you. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p>CPF Withdrawals on Other Grounds17031703
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyWhat happens to my CPF LIFE plan if I am withdrawing my CPF?<p>If your application to withdraw CPF is approved and you are covered under the CPF LIFE Standard or Basic Plan, you will be given two options:</p><ol><li style="margin-bottom:5pt;">Terminate your LIFE policy and receive a refund of the unused premium. </li><li style="margin-bottom:5pt;">Retain your LIFE policy under the CPF LIFE Scheme, and you can start receiving monthly payouts from your <span style="text-decoration:underline;"><font color="#0066cc"><a href="/Members/Schemes/schemes/retirement/retirement-sum-scheme#Item1592">payout eligibility age</a></font></span> for as long as you live. You will need to have a Singapore personal /joint bank account for us to credit your monthly payouts.</li></ol>CPF Withdrawals on Other Grounds17051705
Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanentlyHow do I apply to withdraw CPF if I am leaving Singapore and West Malaysia permanently?<p>​<strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</font></a> under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the supporting documents required according to your citizenship status (see table below). The supporting documents must be certified by an official of a Singapore Overseas Mission with his official seal/stamp duty affixed.<br><br> <table class="ms-rteTable-default" cellspacing="0" style="width:490px;"><tbody><tr bgcolor="#d2d2d2"><th> <span style="color:#444444;"><strong>Citizenship Status of Member </strong></span></th><th> <span style="color:#444444;"> <strong> Documents Required</strong> </span> </th></tr></tbody><tbody><tr><td valign="top">For a member who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia)</td><td><ol><li>Current valid passport and passports used during your employment / residence in Singapore.<br></li><li>Foreign citizenship certificate (if there is no foreign passport).</li><li>Foreign identity card/document showing your personal identification number (if any).</li><li>A letter from the Immigration & Checkpoints Authority confirming the renunciation of your Singapore citizenship.</li></ol></td></tr><tr><td valign="top">For a member who is a Malaysian</td><td><ol><li>Malaysian identity card that is currently valid.<br></li><li>International passport showing the passport number, full personal particulars, signature and date of expiry of the passport.<br></li><li>Evidence of foreign permanent residency or citizenship.<br></li><li>A letter from the Immigration & Checkpoints Authority, confirming the cancellation of your Singapore Permanent Residency, if applicable.</li></ol></td></tr><tr><td valign="top">For a member who is not a citizen of Singapore or Malaysia</td><td><ol><li>Current valid passport and passports used during your employment / residence in Singapore.<br></li><li>Foreign citizenship certificate (if there is no foreign passport).<br></li><li>Foreign identity card/document showing your personal identification number (if any).</li><li>A letter from the Immigration & Checkpoints Authority, confirming the cancellation of your Singapore Permanent Residency, if applicable.</li></ol></td></tr></tbody></table> <br>For verification purpose, you must also submit the following information and supporting documents: <ul><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">​The names of all the companies in Singapore whom you had worked for and the years in which you had started and stopped working for each company. </li><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">The name(s) of your nominee(s) and your relationships with them if you had made a CPF nomination or indicate no CPF nomination made if you had not made a CPF nomination. </li><li type="disc" style="margin-bottom:5pt;margin-left:-14.45pt;">Deed poll / change of name certificate / marriage certificate if the name in your passport / citizenship certificate / bank account differs from that in your records. The document must show clearly your original / maiden name and your new / married name.</li></ul><p>You may be required to visit the <a href="/Members/Contact/visit-us"> <font color="#0066cc">CPF Service Centre</font></a> personally if you are unable to provide the requested information for verification.</p></li><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</font></a>. </li><li style="margin-bottom:5pt;">Submit the completed <a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank"> <font color="#0066cc">application form</font></a> with the original supporting documents at any <a href="/Members/Contact/visit-us"> <font color="#0066cc">CPF Service Centre</font></a>.</li></ol>CPF Withdrawals on Other Grounds17061706
Withdrawal of CPF by Malaysians residing in West MalaysiaWho is eligible? <p>You can withdraw your CPF in full if you meet <strong>all</strong> the following conditions:</p><ol type="i"><li>You are a Malaysian Citizen and have left Singapore permanently to reside in West Malaysia.<br> </li><li>You do not hold a valid Singapore Work Permit/Employment Pass and have renounced your Singapore Permanent Residency (if applicable).<br> </li><li>You are either:<br></li></ol><ol type="a"><li style="margin-bottom:4pt;margin-left:18.45pt;">55 years old and above; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Below 55 years old but above 50 years old and have not worked in Singapore in the last two years before your application; or </li><li style="margin-bottom:4pt;margin-left:18.45pt;">Physically or mentally incapacitated from ever continuing any employment or is found to be of unsound mind.</li></ol>CPF Withdrawals on Other Grounds17071707
Withdrawal of CPF by Malaysians residing in West MalaysiaWhat happens to my investments under CPF Investment Scheme?<p>If you have invested under the CPFIS-Ordinary Account, your CPF Investment Account will be closed and any investment holdings or cash balance will be released to you by your agent bank. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p><p>If you have invested under the CPFIS-Special Account, the Board will inform your product provider(s) to release any investment holdings to you. You may then sell the investments as and when you wish and the proceeds will be paid to you directly.</p>CPF Withdrawals on Other Grounds16981698
Withdrawal of CPF by Malaysians residing in West MalaysiaWhat happens to my CPF LIFE plan if I am withdrawing my CPF?<p>If your withdrawal application is approved and you are covered under the CPF LIFE Standard or CPF LIFE Basic Plan, you will be given two options:​</p><ol><li style="margin-bottom:5pt;">Terminate your LIFE policy and receive a refund of the unused premium. </li><li style="margin-bottom:5pt;">Retain your LIFE policy under the CPF LIFE Scheme, and you can start receiving monthly payouts from your <a href="/Members/Schemes/schemes/retirement/retirement-sum-scheme#Item1592">payout eligibility age​</a> for as long as you live. You will need to have a Singapore personal /joint bank account for us to credit your monthly payout.</li></ol>CPF Withdrawals on Other Grounds17011701
Withdrawal of CPF by Malaysians residing in West MalaysiaHow do I apply to withdraw my CPF if I fulfil the eligibility criteria as a Malaysian residing in West Malaysia?<p> <strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank"><font color="#0066cc">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</font></a> under the witness of an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.<br> </li><li style="margin-bottom:5pt;">Attach the following supporting documents certified by an official of a Singapore Overseas Mission with his official seal/stamp duly affixed.</li></ol><ul><li style="margin-bottom:5pt;margin-left:10.45pt;">Malaysian identity card (both sides) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Malaysian passport showing your passport number and personal particulars (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">The page of your passport showing the cancellation of long term pass / dependent pass (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Letter from the Immigration & Checkpoints Authority (ICA) confirming that you have renounced Singapore citizenship (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Letter from ICA confirming the cancellation of your Entry Permit and Re-entry Permit and the renunciation of your Singapore Permanent Residency (if applicable) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Doctor’s medical report dated within six months stating your current state of health, level of incapacity and disability to work (applicable if you are applying on medical grounds) </li><li style="margin-bottom:5pt;margin-left:10.45pt;">Your bank passbook showing the name and bank account number, if payment is to be credited to your bank account. If you wish to credit the CPF monies to a foreign bank outside Singapore, please also state the full bank address and SWIFT code.<br></li></ul><ul><p>For verification purpose, you must also submit the following information and supporting documents:</p><li style="margin-bottom:5pt;margin-left:10.45pt;">Deed poll / change of name certificate / marriage certificate if the name in your passport / citizenship certificate / bank account differs from that in your records. The document must show clearly your original / maiden name and your new / married name.<br> <p>You may be required to visit the <a href="/Members/Contact/visit-us"><font color="#0066cc">CPF Service Centre</font></a> personally if you are unable to provide the requested information for verification.</p></li></ul><ol start="3" style="margin-bottom:5pt;"><li style="margin-bottom:5pt;">Mail it to:<br>Central Provident Fund Board<br>Withdrawal Schemes Department (WSD)<br>238B Thomson Road<br>#08-00 Tower B Novena Square<br>Singapore 307685</li></ol><p> </p><p> <strong>In-Person at CPF Service Centres</strong></p><ol><li style="margin-bottom:5pt;">Download and complete the <a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank"><font color="#0066cc">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</font></a>. </li><li style="margin-bottom:5pt;">Submit the completed form with the original supporting documents listed above at any <a href="/Members/Contact/visit-us"><font color="#0066cc">CPF Service Centre</font></a>.</li></ol>CPF Withdrawals on Other Grounds17091709

 

 

 

 

 

 

 

 

Withdraw deceased’s CPFWithdraw deceased’s CPF<a href="/Assets/members/Documents/OnlineDemo/CPF_D1.mp4" target="_blank" title="Withdraw deceased’s CPF"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Withdraw deceased’s CPF</a>
Withdraw my CPF on medical groundsWithdraw my CPF on medical grounds<a href="/Assets/members/Documents/OnlineDemo/CPF_MGS.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Withdraw my CPF on medical grounds</a>
Pay CDP transfer fee for death cases (AXS)Pay CDP transfer fee for death cases (AXS)<a href="/Assets/members/Documents/OnlineDemo/AXS_Misc_CDP_Death.mp4" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icgen.gif">Pay CDP transfer fee for death cases</a>

 

 

Read the “Losing a Loved One” brochureRead the “Losing a Loved One” brochure<a href="/Assets/members/Documents/PamphletLosingaLovedOne.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">PamphletLosingaLovedOne.pdf</a>Read the “Losing a Loved One” brochure<a href="/Assets/common/Documents/ResourceThumbnails/LALO_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">LALO_thumbnail.png</a>

 

 

 

 

Losing a Loved One: A Guide to CPF MattersLosing a Loved One: A Guide to CPF Matters<a href="/Assets/members/PublishingImages/CPFInfographic_LALO.jpg" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icjpg.gif">CPFInfographic_LALO.jpg</a><p>​View the infographic on "Losing a Loved One: A Guide to CPF Matters"</p><a href="/Assets/common/Documents/ResourceThumbnails/LALO_thumbnail.png"><img alt="" src="/_layouts/15/IMAGES/icpng.gif">LALO_thumbnail.png</a>

 

 

Application to Withdraw Deceased Member's CPF<a href="/Assets/members/Documents/FORM_CPFD1.pdf" target="_blank" title="Application to Withdraw Deceased Member's CPF"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw Deceased Member's CPF</a><a href="https://www.cpf.gov.sg/eSvc/Web/Schemes/DeceasedMemberWithdrawal/Cover" title="Application to Withdraw Deceased Member's CPF"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Withdraw Deceased Member's CPF</a><p>​FORM CPF-D(1)</p>00
Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently<a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank" title="Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a><p>​FORM CPF-LM</p>00
Application to Withdraw CPF by Malaysians Residing in West Malaysia<a href="/Assets/members/Documents/FORM_CPFMC.pdf" target="_blank" title="Application to Withdraw CPF by Malaysians Residing in West Malaysia"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF by Malaysians Residing in West Malaysia</a><p>​FORM CPF-MC</p>00
Application to Withdraw CPF on Medical Grounds And Claim Home Protection Scheme (HPS) Benefits<a href="/Assets/members/Documents/FORM_CPF_MGSHPS.pdf" target="_blank"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Application to Withdraw CPF on Medical Grounds And Claim Home Protection Scheme (HPS) Benefits</a><a href="https://www.cpf.gov.sg/eSvc/Web/PortalServices/MemberPortalServices" title="Application to Withdraw CPF on Medical Grounds And Claim Home Protection Scheme (HPS) Benefits"><img alt="" src="/_layouts/15/IMAGES/ichtm.gif">Application to Withdraw CPF on Medical Grounds And Claim Home Protection Scheme (HPS) Benefits</a><p>​FORM CPF-MGS/HPS</p>00
Request to Change Payment Details for Withdrawal on Non-Retirement Grounds<a href="/Assets/members/Documents/Form_WSD78A.pdf" target="_blank" title="Request to Change Payment Details for Withdrawal on Non-Retirement Grounds"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Request to Change Payment Details for Withdrawal on Non-Retirement Grounds</a><p>​FORM WSD78A</p>00
Clinical Report Authorisation Form<a href="/Assets/members/Documents/FORM_WSD2A.pdf" target="_blank" title="Clinical Report Authorisation Form"><img alt="" src="/_layouts/15/IMAGES/icpdf.png">Clinical Report Authorisation Form</a><p>​FORM WSD/2A</p>00

 

 

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