Assuming you appointed the nominees as follows:
- Spouse - 60%
- Mother - 30%
- Son - 10%
If you are the older spouse, 60% of your CPF savings will be paid to your spouse's estate. Your mother and son will receive 30% and 10% of your CPF savings respectively.
If you are the younger spouse, it is deemed that your spouse has died first. His/her share of your CPF savings will be passed on to the surviving nominees in the same proportion as their specified shares.
Your mother and son will receive your CPF savings as follows :
- Mother - 75% [original 30% + 3/4 of your spouse's share (equivalent to 45%)
- Son - 25% [original 10% + 1/4 of your spouse's share (equivalent to 15%)
