Scheduled Maintenance: CPF digital services will not be available on 3 Dec 2023, from 12am to 8am.

A Singapore Government Agency Website
Central Provident Fund Board logo
Who we are Tools and services Infohub
You are at
my cpf

Account balances, dashboards, statements, and more.
CPF overview
Growing your savings
Retirement income
Home ownership
Healthcare financing
Account services
Who we are
Tools and services
Infohub
e-Cashier
FAQs
Calculators
Forms
Main menu

my cpf

my cpf Home
My dashboards
My statements
My requests
My activities
My mailbox
my cpf

My dashboards

Retirement
Home ownership
Healthcare
Providing for your loved ones
Self-employment
Investment
Education
Child
my cpf

My statements

Contribution history
Transaction history
Year-in-Review
Yearly Statement of Account
Main menu

CPF overview

Find out more
Main menu

Growing your savings

Find out more
CPF contributions
More ways to save
Investments and interest
Government support
Growing your savings

CPF contributions

Employees
Self-employed persons
Growing your savings

More ways to save

Retirement top-ups and transfers
Matching grant for seniors
Voluntary housing refunds
MediSave top-ups
Growing your savings

Investments and interest

Investing your CPF
CPF interest rates
Growing your savings

Government support

Workfare Income Supplement
Main menu

Retirement income

Find out more
Monthly payouts
Retirement withdrawals
Government support
Retirement income

Monthly payouts

CPF LIFE
Other payouts
Retirement income

Retirement withdrawals

For immediate needs
For reduced life expectancy
Retirement income

Government support

Silver Support Scheme
Main menu

Home ownership

Find out more
Using CPF for housing
Protecting against losing your home
Planning your housing journey
Main menu

Healthcare financing

Find out more
Using MediSave
MediShield Life
Supplementary coverage
ElderShield
CareShield Life
Main menu

Account services

Find out more
Your account information
Providing for your loved ones
Account closure
Account services

Your account information

View account balances
Update account settings
Account services

Providing for your loved ones

CPF nomination
Insuring to protect your dependants
Account services

Account closure

When you pass away
When you leave Singapore

Your page is loading.
One moment please.

Updates on 20 Apr 2021

Added new section for home page under banner.

Eligibility

When you are eligible to withdraw

You may withdraw your CPF savings if you meet any of the following conditions as certified by an accredited doctor.

Reduced life expectancy

Due to illness, your life expectancy has been severely reduced.

 

Permanently unfit for work

You are unfit for any form of employment permanently.

 

Lack mental capacity permanently

You permanently lack the mental capacity to make decisions, as defined in the Mental Capacity Act.

 

Certification

How to get doctor’s certification

Get an accredited doctor (from public hospitals, polyclinics or a specialist) to complete a medical certification form.

If your doctor is not from public hospitals, polyclinics, or is not a specialist

If the doctor who has certified your medical condition is not from public hospitals, polyclinics, or is not a specialist, we will require an independent assessment from our panel of doctors.

Things to note

How much you can withdraw

It depends on the extent of your reduced life expectancy and your CPF balances.

1
Withdrawable amount

You may withdraw $5,000 (excludes monies received by you under the Retirement Sum Topping-Up Scheme and savings in your MediSave Account), or more.

2
Monthly payouts

You may have to set aside a reduced retirement sum in your Retirement Account from which you will receive monthly payouts for your living expenses.

Process

How to apply for withdrawal

Applying for yourself

 

Step 1: Mail the completed form

Mail the medical certification form completed by your doctor to:

 

CPF Board
Retirement Withdrawals Department
Robinson Road P.O. Box 3060
Singapore 905060

Download form (PDF, 0.3MB)
Step 2: Apply for withdrawal

Submit your withdrawal application online

Apply online

Applying as a donee or deputy

Lasting Power of Attorney

If you have been appointed as a donee through a Lasting Power of Attorney to take care of a member’s CPF and other financial matters, you can apply to withdraw the savings on the member’s behalf.

More information
Court order

If you have been appointed as a deputy via a court order under the Mental Capacity Act, you can apply to withdraw the savings on the member’s behalf.

 

If a donee or deputy has not been appointed and you are the member’s next-of-kin, you may apply to the court to be appointed as a deputy under the Mental Capacity Act. The court order should include these suggested clauses if you wish to be empowered to manage all of the member’s CPF matters.

See suggested clauses (PDF, 0.1MB)
Family Justice Court

If you are applying for a Mental Capacity Act Order that is generally restricted to the use of monies of $60,000 and below, you can use the simplified application process provided by the Family Justice Court to be appointed as deputy.

More information
Visit a CPF service centre

Make an appointment to visit any CPF service centre. Please bring these supporting documents (original copies only) for the appointment:

  • Medical report stating that member lacks mental capacity permanently
  • Lasting Power of Attorney or Court Order
  • Trust bank account statement or passbook
  • Your NRIC
Make appointment online
FAQs

Common questions