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If you are the older nominee, your CPF savings will be paid to your nominee's estate.
If you are the younger nominee, it is deemed that your nominee has died first and there is therefore no nominee. Your CPF savings will be forwarded to the Public Trustee’s Office for distribution to your family members in accordance with the Intestate Succession Act (Cap 146) for Non-Muslims, and the Administration of Muslim Law Act for Muslims.
Assuming you appointed the nominees as follows:
If you are the older spouse, 60% of your CPF savings will be paid to your spouse's estate. Your mother and son will receive 30% and 10% of your CPF savings respectively.
If you are the younger spouse, it is deemed that your spouse has died first. His/her share of your CPF savings will be passed on to the surviving nominees in the same proportion as their specified shares.
Your mother and son will receive your CPF savings as follows :