Leave your CPF savings for your family

1.	What happens to my CPF savings when I'm no longer around?
2.	How will my CPF savings be distributed under the intestacy laws?
3.	What will be distributed to my family under the intestacy laws?
4.	Who is the Public Trustee and what does he do?
5.	What is a CPF nomination? When do I need to make a CPF nomination?
6.	What is covered by CPF Nomination?
7.	How do I make a nomination?
8.	How do I cancel a nomination I made earlier?
9.	I have already made a will. Do I still need to nominate?
10.	What happens if my spouse and I nominated each other and we both passed away simultaneously?
11.	I have bought an annuity in place of the CPF Minimum Sum when I turned 55. Will my nominees receive the remaining guaranteed sum from my annuity when I'm no longer around?
12.	How can I check whether I have made a nomination?

1.		What happens to my CPF savings when I'm no longer around?
		When you pass away, your CPF savings will be passed to the Public Trustee for distribution to your family according to the intestacy laws. Should you wish to distribute your CPF savings differently from the intestacy laws, you will need to make a CPF nomination.
2.		How will my CPF savings be distributed under the intestacy laws?
		If you are non-Muslim, the Public Trustee will distribute your CPF savings in accordance with the Intestate Succession Act (Cap 146). Your CPF savings will be distributed to your family in the following manner: Member Dies Leaving: Distributed to (Share of CPF) Spouse (no children, no parent) > Spouse (whole) Spouse, children > Spouse (1/2) > Children (1/2 to be shared equally) Spouse , parent(s) (no children) > Spouse (1/2) > Parent(s) (1/2 to be shared equally between surviving parents) Parents(s), children > Children (whole to be shared equally) Parent(s) (no children, no spouse) > Parent(s) (whole to be shared equally between surviving parents) Brothers and sisters and their children (no spouse, no children, no parent) > Brothers and sisters and children of deceased brother or sister (whole to be shared equally) Grandparents (no spouse, no children, no parents, no brothers or sisters and descendants of deceased brother or sister) > Grandparent(s) (whole to be shared equally among surviving grandparents) Uncles and Aunts (no spouse, no children, no parent, no brother or sister, no grandparent) > Uncles and aunts (whole to be shared equally among surviving uncles and aunts) No spouse, no children, no parent, no brother or sister, no grandparent, no uncle or aunt > Government (whole)   If you are a Muslim, your CPF savings will be distributed in accordance with the Inheritance Certificate. Your family could obtain the certificate from the Syariah Court, 512 Thomson Road, MCYS Building, Singapore 298136. Heir Share of CPF Husband If there is no child or grandchild surviving the deceased 1/2 If there is a surviving child or grandchild of deceased 1/4 Wife If there is no child or grandchild surviving the deceased 1/4 If there is a surviving child or grandchild of deceased 1/8 Son If there is no daughter Residuary If there is a daughter (he shares with his sister, but is entitled to 2 shares for every share given to her) Residuary Daughter If sole daughter 1/2 If two or more daughters (the daughters portion is shared equally among them) 2/3 If there is a son, (she shares with her brother, but is entitled to 1 share for every 2 shares given to him) Residuary Father If there is a child or grandchild surviving the deceased 1/6 If there is no child or grandchild surviving the deceased Residuary Mother 1/6 Paternal Grandmother (her portion is shared with maternal grandmother) 1/6 If Mother or Father survives Nil Paternal Grandfather If no father, child or grandchild survives Residuary If son or grandson survives 1/6 If father survives Nil Maternal Grandmother (her portion is shared with paternal grandmother) 1/6 If mother survives Nil Brothers If father, son or grandson survives Nil If no father, son or grandchild survives Residuary Sister If father, son or grandson survives Nil If sole sister 1/2 If 2 or more sisters (they share equally) 2/3 If Brother survives (they share 2:1 with Brother) Residuary For more information on the administrative fees and processing time of the Public Trustee, please contact the Public Trustee at: Insolvency & Public Trustee’s Office The URA Centre East Wing, 45 Maxwell Road, #06-11 Singapore 069118 Tel: 63251500 Fax: 62242858 For more information, please refer to 'Administration of CPF Monies of Deceased Persons by the Public Trustee'.
3.		What will be distributed to my family under the intestacy laws?
		If you have not made a valid CPF nomination, the Board will transfer the savings in your Ordinary, Special, Medisave and Retirement Accounts to the Public Trustee for distribution to your family in accordance with the intestacy laws. The following will form part of your estate and be distributed to the beneficiaries of your estate according to the applicable law: (a) + Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA); (b) + Investments held under CPF Investment Scheme-Special Account (CPFIS-SA); (c) + Properties bought with CPF savings and (d) * Discounted SingTel (ST) shares. * If you have made a valid CPF nomination, these will be distributed by the Board to your nominees in the proportion as stated in your nomination. + These assets are not covered under the CPF Nomination Scheme. They will be distributed according to the applicable law.
4.		Who is the Public Trustee and what does he do?
		The Public Trustee is a government body that acts as a trustee of the deceased's estate. It ensures that the assets of the deceased are distributed to the rightful beneficiaries. If you require further information or clarification, please contact: Insolvency & Public Trustee’s Office The URA Centre, East Wing, 45 Maxwell Road, #06-11, Singapore 069118 Tel: 63251500 , Fax: 62242858 Website : http://www.minlaw.gov.sg/ipto/
5.		What is a CPF nomination? When do I need to make a nomination?
		If you wish to distribute your CPF savings differently from the intestacy laws, you can make a CPF nomination. With CPF nomination, you can decide whom you wish to appoint as your nominees, and the proportion of CPF savings you would like your nominees to receive when you are no longer around. However, please note that you would need to consider making a new CPF nomination in the following circumstances: You marry or re-marry as marriage makes any earlier nomination invalid. Your CPF savings will be distributed to your family under the intestacy laws if you do not submit a new nomination. You undergo a divorce. Divorce does not revoke your previous nomination because you may still wish to provide for your ex-spouse and children. You may wish to re-nominate when divorce takes place. Alternatively, you may revoke your earlier nomination by submitting a Notice of Revocation of Nomination. Your CPF savings will then be distributed according to the intestacy laws. There is a new birth/addition in your family. When one of your nominee(s) passes away. You may wish to consider making a new nomination. If not, his share will be given to the surviving nominees in the same proportion as their specified shares. On the other hand, the distribution of your CPF savings under the intestacy laws (if you do not make a CPF nomination) ensures that the welfare of your dependants is provided for. In summary, you only need to make a CPF nomination if you want your CPF savings to be distributed differently from the intestacy laws.
6.		What is covered by CPF Nomination?
		If you have a valid CPF Nomination, the following will be distributed to your nominees in the proportion as stated in your nomination upon your death: (a) Savings in the Ordinary, Special, Medisave and Retirement Accounts and (b) Discounted SingTel (ST) shares. The following are not covered by CPF Nomination but instead form part of your estate: (a) Cash and investments held in the CPF Investment Account under the CPF Investment Scheme-Ordinary Account (CPFIS-OA); (b) Investments held under CPF Investment Scheme-Special Account (CPFIS-SA) and (c) Properties bought with CPF savings.
7.		How do I make a nomination?
		To make a nomination, please complete the CPF nomination form. You can print a copy of the Nomination form from our website www.cpf.gov.sg or collect the form from any of our Service Centres. When filling in the form, please note the following: You must sign/affix your thumbprint on the nomination form in the presence of two witnesses. Your witnesses must be at least 21 years old and of sound mind. You and your nominee(s) cannot act as the witnesses for your nomination. You can have more than one nominee but the portions or percentage given to all the nominees must not exceed one whole or 100%.
		Additional Notes: For a nomination made outside Singapore, it is recommended that at least one of the 2 witnesses be a Singaporean, Singapore Permanent Resident, Notary Public or an official from the Singapore High Commission / Embassy of the Republic of Singapore. You may nominate someone who is not residing in Singapore. Please write your nominee's identity card/passport number and address clearly on the nomination form. If the nominee does not have an identity card/passport, please write his date of birth. The information you give us is important to ensure that the Board will be able to contact your nominee who is not residing in Singapore. You may nominate someone who is below 18 years of age. However, if he is below the age of 18 years at the time of claim, his share will be forwarded to the Public Trustee for administration until he reaches 18 years of age.
		For more details, please contact the Public Trustee at: Insolvency & Public Trustee’s Office The URA Centre, East Wing, 45 Maxwell Road, #06-11, Singapore 069118 Tel: 63251500 , Fax: 62242858 You can also refer to the Public Trustee's posting on 'Administration of monies held in trust for minor beneficiaries by the Public Trustee’ You may nominate a person who is a bankrupt as your nominee. However, if any of your nominees is an undischarged bankrupt at the time your CPF savings are paid out, the Board will be legally obliged to inform the Official Assignee (OA) of any assets that are due to him as his estate is vested in the OA by virtue of the laws in Singapore relating to bankruptcy. This same treatment applies if your nominee became a bankrupt after you had made a nomination, and remains an undischarged bankrupt at the time your CPF savings are paid out. You may nominate an organisation*, provided the organisation is registered as a legal body or entity and is capable of receiving savings including CPF savings. * includes temples, mosques, churches and charitable organisations
8.		How do I cancel a nomination I made earlier?
		You can cancel your nomination by completing a Notice of Revocation of Nomination. Alternatively, you can also call the CPF Call Centre at 1800-227 1188 to request the form or pick it up from any CPF Service Centre. Simply complete the form and return it to CPF Board.
9.		I have already made a will. Do I still need to nominate?
		Your CPF savings are not covered under your will. Your CPF savings will be distributed to your family according to the intestacy laws if you do not have a CPF nomination. You will only need to make a CPF nomination if you wish to distribute your CPF savings differently from the intestacy laws.
10.		What happens if my spouse and I nominate each other and both of us passed away simultaneously?
		In the event of simultaneous death, the older is deemed to have died first. Example 1: Where you and your spouse have nominated each other only. If you are the older spouse, your CPF savings will be paid to your spouse’s estate. If you are the younger spouse, it is deemed that your spouse has died first and there is therefore no nominee. Your CPF savings will be forwarded to the Public Trustee for distribution to your family members in accordance with the Intestate Succession Act (Cap 146) for Non-Muslims, and the Administration of Muslim Law Act for Muslims. Example 2: Where you and your spouse have nominated each other, and other people Assuming you appointed the nominees as follows: (1) Spouse - 60 % (2) Mother - 30% (3) Son - 10% If you are the older spouse, 60% of your CPF savings will be paid to your spouse’s estate. Your mother and son will receive 30% and 10% of your CPF savings respectively. If you are the younger spouse, it is deemed that your spouse has died first. His/her share of the CPF savings will be passed to the surviving nominees in the same proportion as their specified shares. Your mother and son will receive your CPF savings as follows : (1) Mother - 75% [original 30% + ¾ of your spouse's share (equivalent to 45%)] (2) Son - 25% [original 10% + ¼ of your spouse's share (equivalent to 15%)]
11.		I have bought an annuity in place of the CPF Minimum Sum when I turned 55. Will my nominees receive the remaining guaranteed sum from my annuity when I'm no longer around?
		Yes.
12.		How can I check whether I have made a nomination?
		The yearly Statement of Account which the Board sends you indicates whether you have made a nomination. You can also check your nomination status and details at our website via my cpf Online Services - My Messages.
		Please log on to my cpf Online Services - My Requests to check your nomination details. Alternatively, you can also come personally to any of the Board's Service Centres with your identity card/passport. As your nomination details are confidential, we cannot reveal them to you through other channels (e.g. over the phone, email or to a third party, even if you have authorised the person).
CONTACT US   FOR ENQUIRIES, PLEASE CALL THE CPF CALL CENTRE AT 1800-227-1188 E-MAIL TO Nomination@cpf.gov.sg OR Fax To 6229 3341