When you are no longer around, your CPF savings, including your Medisave, will be transferred to the Public Trustee for distribution to your family under the intestacy laws. This manner of distribution will safeguard the welfare of your family members.
For example, if you are single, your CPF savings will be distributed by the Public Trustee equally between your parents. If you are married, your spouse will receive half of your CPF savings, and your children will share the remaining half.
For Muslims, your CPF savings will be distributed by the Public Trustee according to the Inheritance Certificate, which your family members can obtain from the Syariah Court (Muslim inheritance law).
If you wish to distribute your CPF savings differently, you will need to make a CPF nomination.
Please note that:
1) A marriage will automatically revoke an earlier nomination, if any.
2) A divorce does not revoke an earlier nomination, if any.
3) A will does not supersede an earlier nomination, if any.
4) If your nominee is below the age of 18 years at the time your CPF savings are paid out, his/her share will be forwarded to the Public Trustee for administration until he/she reaches 18 years of age.
5) If any of your nominees is an undischarged bankrupt at the time he or she becomes entitled to receive your CPF monies, the Board will be legally obliged to inform the Official Assignee (OA) and pay the nominated monies to the OA upon the latter’s directions. This is by virtue of the laws in Singapore relating to bankruptcy which vest the property of a bankrupt in the OA upon the making of a bankruptcy order.
To know more about the distribution of CPF savings under the intestacy laws/Muslim inheritance law and under nomination, click here.
For more information about the Public Trustee, click here.
For more information about bankruptcy matters, click here.
You can check your nomination status here.
If you have an existing nomination but wish to distribute your CPF savings according to the intestacy laws/Muslim inheritance law, click here to revoke your nomination.
If you wish to make a nomination, click here.
Your Medisave balance will be used to pay your last hospitalisation bill in full if you had authorised the use of your Medisave to pay the bill before your demise, provided your CPF savings, including Medisave have not been paid out to your appointed CPF nominees or Public Trustee for distribution by the time the hospital submits the request for payment.
If you had not signed the Medisave Authorisation Form (MAF) before your demise, your immediate family members (spouse, parents, or child who is 18 years and above) or your deputy/donee appointed under the Mental Capacity Act may sign the MAF to use your Medisave to pay your last hospitalisation bill, provided it has not been paid out to your nominee(s).
In the event that you do not have any immediate family members or deputy/donee to sign the MAF, a relative who has been taking care of you may also write in to the Ministry of Health through the hospital to seek approval for him to authorise the withdrawal of your Medisave to pay your last hospitalisation bill.
For more information on Medisave, click here.