| 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">CPF Service Centres</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 Grounds | 1683 | 1683 |
| 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 Grounds | 1685 | 1685 |
| 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">CPF nomination</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.<br></p><table class="ms-rteTable-default" cellspacing="0" width="100%"><tbody><tr bgcolor="#d2d2d2"><td width="50%" align="center">
<b class="fontbold">Covered under CPF Nomination</b></td><td width="50%" align="center">
<b class="fontbold">Not covered under CPF Nomination</b></td></tr><tr align="left" valign="top"><td><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><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">Great Eastern Life</a> and
<a href="http://www.income.com.sg/insurance/DPS/index.asp" target="_blank">NTUC Income</a>. To submit a claim application, you can contact the insurer directly. | CPF Withdrawals on Other Grounds | 1687 | 1687 |
| 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.mlaw.gov.sg/pto" target="_blank">Public Trustee</a> for distribution in accordance with the
<a href="/Members/FAQ/schemes/other-matters/cpf-withdrawals-on-other-grounds" target="_blank">intestacy laws</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 Grounds | 1688 | 1688 |
| 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 Grounds | 1686 | 1686 |
| 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">Home Protection Scheme (HPS)</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" target="_blank">SingPass</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">Application form to claim Home Protection Scheme upon death</a> (PDF, 0.4MB). </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">service standards</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 Grounds | 1690 | 1690 |
| 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 Grounds | 1691 | 1691 |
| Distribution of CPF savings upon death of a CPF member | What happens to the investments under the CPF Investment Scheme (CPFIS)? | <p>CPFIS investments are not covered under CPF nomination. When a member passes away, his CPFIS investments* and any cash balance in his Investment Account will form part of his estate. The estate administrator/executor can contact the respective product providers or agent bank to claim the investments and cash balance. These investments, cash balance and death benefits may be used to settle the deceased member’s debts, in accordance with the Probate and Administration Act.</p><p>* Except for insurance policies where the policyholder has made a nomination. The nominated beneficiaries can contact the insurance company to claim the death benefits.</p> | CPF Withdrawals on Other Grounds | 1694 | 1694 |
| 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 Grounds | 1692 | 1692 |
| 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" target="_blank">SingPass</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">Application Form to Withdraw Deceased Member’s CPF</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">service standards</a>.</li></ol> | CPF Withdrawals on Other Grounds | 2341 | 1695 |
| Withdrawal of CPF on medical grounds | Who 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 physically or mentally incapacitated from ever continuing in any employment; or </li><li style="margin-bottom:5pt;">have a severely impaired life expectancy; 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 Grounds | 1696 | 1696 |
| Distribution of CPF savings upon death of a CPF member | How do I claim the CPF savings of a family member who has gone missing for many years? | <p>In line with industry practice, the CPF Board treats a person as being alive until the person has been officially registered as deceased. Therefore, in order for the CPF savings of a missing person to be distributed to his/her beneficiaries, a presumption of death certificate, which declares the person as presumed to be dead, has to be obtained.</p><p>To obtain a presumption of death certificate from the Court,</p><ul><li>the missing person must not have been heard of for 7 years;</li><li>the missing person must not have been heard of by persons who would have naturally been contacted by the missing person, if he/she was alive;</li><li>the persons who would have naturally been contacted by the missing person must have taken sufficient steps to ascertain if the missing person is alive; and</li><li>any other requirements imposed by the Court, as advised by your lawyer*.</li></ul><p>* If you require financial assistance, you can approach the <a href="https://www.mlaw.gov.sg/content/minlaw/en/our-work/community-legal-services-group/legal-aid-bureau.html">Legal Aid Bureau</a>.</p><p>After having obtained the presumption of death certificate,</p><ul><li style="margin-bottom:5px;">If the missing person is a Singapore Citizen or Permanent Resident - you would have to approach the <a href="https://www.ica.gov.sg/PR/death/PR_death_overseas">Immigration & Checkpoints Authority (ICA) to register</a> the missing person as deceased</li><li style="margin-bottom:-5px;">If the missing person is a foreigner who holds a CPF account – you would have to approach any CPF Service Centre with:</li></ul><ol type="a"><li style="margin-left:40px;">the original presumption of death certificate;</li><li style="margin-left:40px;">the missing person’s original passport (if any);</li><li style="margin-left:40px;">an original letter from the relevant authority confirming the missing person’s identity number (if the presumption of death certificate does not bear the missing person’s identification details);</li><li style="margin-left:40px;">documentary evidence of your relationship with the missing person; and</li><li style="margin-bottom:-10px;margin-left:40px;">your original identity card/passport and contact details.</li>
<br>If the death reporting is submitted via post from outside of Singapore, all the documents mentioned above (a – e) would have to be certified true by an official from the Singapore Overseas Mission with his official seal / stamp duly affixed.</ol><p>After the person has been officially registered as deceased, his/her CPF savings will be distributed to the appointed nominees if a CPF nomination had been made. If no nomination was made, the CPF savings will be forwarded to the Public Trustee for distribution to family members in accordance with the intestacy laws of Singapore.</p> | CPF Withdrawals on Other Grounds | 2601 | 1769 |
| Withdrawal of CPF on medical grounds | How 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 is fully drawn.</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.<br></p><p>
<sup style="font-size:0.8em;">1</sup><span style="font-size:0.9em;"> Excludes monies received under the Retirement Sum Topping Up Scheme</span><br></p> | CPF Withdrawals on Other Grounds | 1697 | 1697 |
| Withdrawal of CPF on medical grounds | What if you are mentally unwell and unable to handle money? | <p>Your next-of-kin can apply to the court to be appointed as your
<a href="http://www.publicguardian.gov.sg/Court-Appointed-Deputy/What-Is-A-Court-Appointed-Deputy" target="_blank">deputy</a> under the Mental Capacity Act (MCA).</p><p>Thereafter, the appointed deputy can apply to the Board to withdraw your CPF savings with the original Order of Court (Photocopy or E-filed Order of Court to be certified true copy by the lawyer on every page of the document), a recent medical report stating that your lack of mental capacity is likely to be permanent and the original Trust bank account statement/passbook.<br></p><p>Alternatively, if you had executed a
<a href="http://www.publicguardian.gov.sg/The-LPA/The-Lasting-Power-of-Attorney" target="_blank">Lasting Power of Attorney</a> under the MCA (before you were assessed to be lacking mental capacity), your donee can apply, on your behalf, with the original Lasting Power of Attorney, a recent medical report stating that the lack of mental capacity is likely to be permanent and the original Trust bank account statement/passbook.</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">Office of the Public Guardian's website</a>.</p> | CPF Withdrawals on Other Grounds | 1689 | 1689 |
| Withdrawal of CPF on medical grounds | How 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" target="_blank"> SingPass</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"> medical certification form</a> (PDF, 0.3MB) to be completed by your doctor to :
<p>CPF Board<br>Retirement Schemes Department (RSD)<br>Robinson Road P.O. Box 3060<br>Singapore 905060</p></li></ol><p>
<strong>Mail</strong></p><ol><li style="margin-bottom:5pt;">Complete the application form,
<a href="/Assets/members/Documents/FORM_CPF_MGSHPS.pdf" target="_blank">Withdraw CPF Savings and Claim Home Protection Scheme Benefit on Medical Grounds</a> (PDF, 1.8MB). 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>Robinson Road P.O. Box 3060<br>Singapore 905060</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 require a medical report from your doctor and/or arrange for you to be examined by the Board’s doctors if your doctor is not from a public hospital or polyclinic, or if the Board needs clarification on your medical condition to assess your eligibility to withdraw your CPF savings on medical grounds.</p><p>If your application is approved, you will receive your monthly payments by the 4<sup>th</sup> working day of the month (if you have opted to receive payment by Interbank GIRO) or by the 8<sup>th</sup> working day of the month (if you have opted to receive payment by cheque). </p> | CPF Withdrawals on Other Grounds | 1704 | 1704 |
| Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently | Who 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 Grounds | 1699 | 1699 |
| Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently | What happens to my investments under CPF Investment Scheme? | <p>For CPF Investment Scheme – Ordinary Account (CPFIS-OA), the Board will inform the agent bank to close your CPF Investment Account. You may approach the bank for the withdrawal<sup>#</sup> of your investments and cash balance (if any) after the Board has notified you. Your investments will be transferred to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>
<sup>#</sup>Central Depository (Pte) Ltd (“CDP”) imposes a transfer fee of $10.70 (inclusive of GST) for every share counter transferred from your CPF Investment Account to your CDP Account.<br></p><p>For CPF Investment Scheme – Special Account (CPFIS-SA), the Board will inform your product provider(s) to transfer your investment to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>Once withdrawn, your CPFIS investments and cash balance in your CPF Investment Account will no longer be protected from any claims by your creditors and/or the Official Assignee.<br></p> | CPF Withdrawals on Other Grounds | 1703 | 1703 |
| Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently | What 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
<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 payouts.</li></ol> | CPF Withdrawals on Other Grounds | 1705 | 1705 |
| Withdrawal of CPF on grounds of leaving Singapore and West Malaysia permanently | How 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">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a> (PDF, 1.5MB) 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>
<p>
<strong>Supporting Documents for Withdrawal<br></strong></p><div class="hidden-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td valign="middle" style="width:25%;vertical-align:middle;">1. For an applicant who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia)</td><td class="ms-rteTable-default" style="width:75%;"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">2. For an applicant who is NOT a Singapore or Malaysia citizen</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">3. For an applicant who is a Malaysian</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Malaysian identity card that is currently valid.</li><li>International passport showing the passport number, full personal particulars, signature and date of the expiry of the passport.</li><li>Evidence of foreign permanent residency or citizenship.</li></ol></td></tr></tbody></table></div><div class="visible-xs">
<table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="width:25%;text-align:left;vertical-align:middle;">1. For an applicant who has renounced his Singapore citizenship to migrate to another country (other than West Malaysia) </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="2" style="width:25%;vertical-align:middle;"><p>
<span aria-hidden="true"></span>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="text-align:left;vertical-align:middle;">2. For an applicant who is NOT a Singapore or Malaysia citizen </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="2" style="vertical-align:middle;">Please submit a copy of:
<ol style="list-style-type:lower-alpha;"><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li><li>Current valid passport and passports used during your employment/residence in Singapore.</li><li>Foreign passport, or foreign citizenship certificate if there is no foreign passport.</li><li>Foreign identity card/document showing your personal identification number (if any).</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="2" style="text-align:left;vertical-align:middle;">3. For an applicant who is a Malaysian </td></tr><tr><td valign="middle" rowspan="1" colspan="2" style="vertical-align:middle;">
<span style="color:#444444;">Please submit a copy of:</span>
<ol type="a"><li>
<span style="color:#444444;">A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7).</span></li><li>
<span style="color:#444444;">Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</span></li><li>
<span style="color:#444444;">Malaysian identity card that is currently valid.</span></li><li>
<span style="color:#444444;">International passport showing the passport number, full personal particulars, signature and date of the expiry of the passport.</span></li><li>
<span style="color:#444444;">Evidence of foreign permanent residency or citizenship.</span></li></ol></td></tr></tbody></table></div><p>
<strong>We may request additional documents/information where necessary, for further verification.</strong></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">Application Form to Withdraw CPF on Ground of Leaving Singapore and West Malaysia Permanently</a> (PDF, 1.5MB). </li><li style="margin-bottom:5pt;">Submit the completed
<a href="/Assets/members/Documents/FORM_CPFLM.pdf" target="_blank">application form</a> (PDF, 1.5MB) with the original supporting documents at any
<a href="/Members/Contact/visit-us">CPF Service Centre</a>.</li></ol> | CPF Withdrawals on Other Grounds | 1706 | 1706 |
| Withdrawal of CPF by Malaysians residing in West Malaysia | Who 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 Grounds | 1707 | 1707 |
| Withdrawal of CPF by Malaysians residing in West Malaysia | What happens to my investments under CPF Investment Scheme? | <p>For CPF Investment Scheme – Ordinary Account (CPFIS-OA), the Board will inform the agent bank to close your CPF Investment Account. You may approach the bank for the withdrawal<sup>#</sup> of your investments and cash balance (if any) after the Board has notified you. Your investments will be transferred to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>
<sup>#</sup>Central Depository (Pte) Ltd (“CDP”) imposes a transfer fee of $10.70 (inclusive of GST) for every share counter transferred from your CPF Investment Account to your CDP Account.<br></p><p>For CPF Investment Scheme – Special Account (CPFIS-SA), the Board will inform your product provider(s) to transfer your investment to your own name and you may thereafter liquidate them as you wish and have the sale proceeds paid to you directly.<br><br></p><p>Once withdrawn, your CPFIS investments and cash balance in your CPF Investment Account will no longer be protected from any claims by your creditors and/or the Official Assignee.<br></p> | CPF Withdrawals on Other Grounds | 1698 | 1698 |
| Withdrawal of CPF by Malaysians residing in West Malaysia | What 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 Grounds | 1701 | 1701 |
| Withdrawal of CPF by Malaysians residing in West Malaysia | How 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">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</a> (PDF, 1.5MB) 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.<br><br>
<div class="hidden-xs"><table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr><td valign="middle" style="width:25%;vertical-align:middle;">1. For all applicants</td><td class="ms-rteTable-default" style="width:75%;"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>Both sides of your Malaysian identity card that is currently valid.</li><li>A page of your Malaysian passport that is currently valid showing the passport number and your full personal particulars.</li><li>A page of your passport showing the cancellation of long term pass/dependant pass (if applicable).</li><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li></ol></td></tr><tr><td valign="middle" style="vertical-align:middle;">2. For an applicant who is applying on medical grounds</td><td class="ms-rteTable-default"><p>Please submit a copy of:</p><ol style="list-style-type:lower-alpha;"><li>Doctor's medical report within 6 months stating your current state of health, level of incapacity and disability to work.</li></ol></td></tr></tbody></table></div>
<div class="visible-xs">
<table width="100%" class="ms-rteTable-default" cellspacing="0"><tbody><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" colspan="1" style="width:25%;vertical-align:middle;">1. For all applicants </td></tr><tr class="ms-rteTableOddRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" rowspan="1" colspan="1" style="width:25%;vertical-align:middle;">Please submit a copy of:
<ol style="list-style-type:lower-alpha;"><li>Both sides of your Malaysian identity card that is currently valid.</li><li>A page of your Malaysian passport that is currently valid showing the passport number and your full personal particulars.</li><li>A page of your passport showing the cancellation of long term pass/dependant pass (if applicable).</li><li>A page from your current or old passport showing the Singapore Immigration stamp with your NRIC number or a copy of your Singapore NRIC or a copy of ICA entry permit (Form 5) or Re-entry permit (Form 7)</li><li>Deed poll/change of name certificate/marriage certificate if the name in your passport/citizenship certificate/bank account differs from that in our records. The document must show clearly your original/maiden name and your new/married name.</li></ol></td></tr><tr class="ms-rteTableEvenRow-default"><td class="ms-rteTableEvenCol-default" valign="middle" style="vertical-align:middle;"> 2. For an applicant who is applying on medical grounds </td></tr><tr><td valign="middle" rowspan="1" style="vertical-align:middle;"><span style="color:#444444;">Please submit a copy of:</span>
<ol style="list-style-type:lower-alpha;"><li>
<span style="color:#444444;">Doctor's medical report within 6 months stating your current state of health, level of incapacity and disability to work.</span></li></ol></td></tr></tbody></table></div><p>
<strong>We may request additional documents/information where necessary, for further verification.</strong></p></li></ol><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">Application Form to Withdraw CPF by Malaysians Residing in West Malaysia</a> (PDF, 1.5MB). </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">CPF Service Centre</a>.</li></ol> | CPF Withdrawals on Other Grounds | 1709 | 1709 |