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Life is unpredictable. In this new economy, there may be times when you would like a change of environment and leave your workplace or if you are unlucky, you may lose your job. What do you need to know if you are unemployed for a period of time? |
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Your Housing Arrangements |
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You will be able to continue to service your CPF monthly instalment with your Ordinary Account balances, subject to the CPF Withdrawal Limit imposed. However, should there be zero balance in your CPF account and you have no contributions for the last 6 months, we will cease your CPF monthly instalment. We will send you a letter to your mailing address maintained with the CPF Board when this happens.
If you wish to revise your CPF monthly instalment via my cpf Online Services – My Requests, click here.
Should you encounter difficulties in servicing your housing loan, you may wish to approach HDB / your financier for financial assistance or housing re-financing. | |
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Your HPS Cover |
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If you do not have enough balances in your Ordinary Account to pay for your annual premium, you may wish to top up your Ordinary Account with cash. Click here to top up your Ordinary Account.
Alternatively, your spouse may also use his/her CPF savings to top up your Ordinary Account if he/she is a joint owner. He/she can authorise the deduction from his/her CPF by clicking here using his/her SingPass.
You may also pay your HPS premium at any Singapore Post Office. | |
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Your Investment Portfolio |
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In view of your changed circumstance, you may wish to review your portfolio to suit your current financial status.
If you wish to view your portfolio, click here. | |
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Your MediShield Cover |
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You need to ensure that there are sufficient balances in your Medisave Account for your annual MediShield or Private Medical insurance premium deduction. This is to prevent your cover from being terminated due to insufficient funds.
Alternatively, you can request your immediate family members (spouse, children, parents, grandparents) to help to take over the payment of premium during this period.
You can check the status of your MediShield coverage here. | |
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Your DPS Cover |
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Your DPS cover will continue to be in force unless you choose to opt out of the scheme or your cover is not renewed because of insufficient funds. If you do not have sufficient funds in your Ordinary/Special Account for your premium deduction, you may wish to pay the difference in cash or be insured for a lower amount.
Click here for information on your DPS cover. | |
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Learning is a life-long journey. You will be more valuable to your employer if you improve on your skills and upgrade yourself continuously.
For information on job assistance and training, click here.
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How would your unemployment status affect your plans for retirement? Do try the CPF Retirement Planner to help you plan for the uncertainty.
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