What happens to your CPF savings when you pass away? Here’s what you need to know about the CPF Nomination Scheme.

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Every month, you receive contributions in your CPF accounts from your salary and your employer to help you meet your retirement, housing and healthcare needs. If you have been working for several years, your CPF balances would have grown to a significant sum with the attractive interest rates.

While it isn’t the most pleasant topic to think about, have you ever wondered what happens to your CPF savings when you pass on? The answer is simple:

If you have made a CPF nomination, your CPF savings will be distributed to your nominee(s) according to your wishes. If you did not make a CPF nomination, your CPF savings will be transferred to the Public Trustee’s Office (PTO) for distribution to your family member(s) in accordance with the intestacy laws or Inheritance Certificate (for Muslims) in Singapore.

Not familiar with what a CPF nomination is? Here’s a guide on what you should know about the CPF Nomination Scheme.

What is a CPF nomination?

A CPF nomination provides CPF members with the option to specify who will receive their CPF savings, and how much each nominee should receive, upon their demise. You should make a CPF nomination if you want your CPF savings to be distributed according to your wishes.

What does a CPF Nomination cover?

Covered under CPF Nomination Not covered under CPF Nomination
  1. CPF savings* in your Ordinary, Special, MediSave and Retirement accounts
  2. Unused CPF LIFE premiums
  3. Discounted SingTel shares

*CPF savings cannot be included in your Will. They also do not form your estate and are protected from creditor claims on any outstanding debts.
  1. Properties bought using your CPF savings
  2. Payouts from Dependants’ Protection Scheme (DPS)
  3. Cash and investments held in CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA)
  4. Investments held under the CPF Investment Scheme-Special Account (CPFIS-SA)

These will form part of your estate. Find out more about estate planning at the MoneySENSE website.

Who can I nominate?

You can nominate any person or organisation* to be the beneficiary of your CPF savings. There is no limit to the number of nominees you can have.

*Note: For organisations, it must be a legal entity, capable of capable of receiving monies, including CPF monies in its own right.

What are the types of CPF nomination?

There are three types of nomination. By default, your nominee(s) will receive CPF savings due to them in cash.

If you would like to distribute your CPF savings to your nominees’ CPF accounts, you can make your nomination under the Enhanced Nomination Scheme (ENS).

For parents who wish to set aside CPF savings for long term care of children with special needs, they can consider nominating under the Special Needs Savings Scheme (SNSS).

You can read more on the types of nomination on the CPF website.

3 Types of CPF Nomination

When should you review your CPF Nomination?

Make it a point to review your nomination regularly and especially when there is a change in your circumstances, such as marriage or birth of a new child. This will ensure your nomination continues to fit your intentions. Here are some of the circumstances in which you may want to review your nomination:

When should I review my CPF Nomination

How do I make a nomination?

Making a CPF nomination is an important decision. Here are some things you should consider and prepare before or when you submit the details of your CPF nomination:

3 Things to take note of when making a CPF Nomination

There are two ways to make a CPF nomination:

In-person at CPF Service Centres

  1. Visit any of our CPF Service Centres. You can make an appointment with us through the CPF Appointment Service at the CPF website.
  2. Complete the CPF Nomination Form in the presence of our Customer Service Executives (CSEs). They can be your witnesses and clarify any questions you may have.

We strongly encourage you to visit our CPF Service Centres to make your nomination. To avoid a long waiting time for your transactions at our Service Centres, you can book an appointment with our CSEs through our CPF Appointment Service at the CPF website.

Appointments can be made according to your preferred date and time.

By mail

  1. Download and complete the CPF Nomination Form (PDF, 0.2MB).
  2. Sign the completed nomination form in the presence of two witnesses above age 21. If you are overseas, at least one of your witnesses must be a Singaporean, Singapore Permanent Resident or an Official from a Singapore Overseas Mission.
  3. Mail it to:
    Central Provident Fund Board
    Robinson Road
    P.O. Box 3060
    Singapore 905060
  4. Please include the following documents when submitting the nomination form:
    • A copy of your NRIC/Passport
    • A copy of both witnesses’ NRIC/Passport

We also encourage you to provide photocopies of your nominee(s)’ NRIC/Passport in your nomination form submission to facilitate the claiming process.

Will anyone know who my CPF nominee(s) are?

Your CPF nomination details will be kept confidential. Hence, your family members will not be informed of the identity of your nominee(s).

However, you may authorise CPF Board to disclose the identities of your nominees to specific individuals after your demise. To do this, you will just need to provide the details of these individuals on your CPF Nomination Form (under the section “Instruction to Disclose my CPF Information”.