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Updates on 20 Apr 2021

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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

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