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You will accomplish
- Understanding about CPF nomination
- Understanding about SNSS
If you have feedback or suggestions to improve our module, please share with us at fcp@minds.org.sg.
What is a CPF Nomination?
A CPF nomination allows you to specify who will receive your CPF savings, and how much each nominee should receive, upon your demise. The nominee(s) will receive the CPF savings in cash.
What is Special Needs Savings Scheme (SNSS)?
A scheme that enables you to set aside CPF savings for the long-term care of children with special needs.
Under this scheme, CPF savings will be distributed to the nominated child on a monthly basis. The minimum payout will be $250 per month with a minimum duration of one year.
Getting Started
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Select nominee(s)
Decide who to include to receive your CPF savings. You will need to provide their full name, identification number and email address.
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Appoint witnesses
You will need to appoint 2 witnesses. Your witness cannot be yourself or nominees. Witnesses must be at least 21 years old, have mental capacity and must have SingPass.
You will need to provide their full name, identification number, email address and mobile number.
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Make CPF nomination
Sign in to CPF Website with your SingPass to make a CPF nomination online.
You will need to provide their full name, identification number, email address and mobile number.
If you wish to nominate more than 15 nominees, please book an appointment to visit a CPF Service Centre.
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Prepare the necessary documents
SNTC is the appointed scheme administrator for SNSS.
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Submit SNSS Application Form to Special Needs Trust Company (SNTC)
Submit completed application form to SNTC via mail or email. The application must be sent with copies of the following:
- Nominating applicant's NRIC
- Child's NRIC and Birth Certificate
- School Certification Letter (if attending or have attended a SPED school); or Doctor's Assessment Report or Functional Assessment Report
You’ll be issued an eligibility letter upon once application is approved.
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Book an appointment with CPF to make a SNSS nomination
A SNSS nomination can only be made at CPF Service Centres. Please book an appointment to visit a CPF Service Centre with the eligibility letter to make the SNSS nomination.
FAQ
You can indicate any person or organisation as a nominee in your CPF nomination. This includes non-CPF account holders.
You can nominate a trustee/trust company to receive your CPF savings on behalf of your nominee.
CPF savings cannot be included in your will because they do not form your estate. Excluding CPF savings from the estate protects your savings from any creditor claims on outstanding loans that you may have after your passing. This ensures that your CPF savings are preserved fully for your loved ones to claim them swiftly.
Without a nomination, your CPF savings will be distributed by the Public Trustee's Office to the legally entitled beneficiaries (who are usually family members and next-of-kin) according to existing intestacy or Muslim inheritance laws. The Public Trustee's Office charges a fee for the distribution of your un-nominated CPF savings. Please visit pto.mlaw.gov.sg for more information.
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.
You do not need to update your nominee's particulars if they are Singaporeans or Singapore Permanent Residents. For name changes, the Board will request your nominees present document(s) e.g. Deed Poll, to prove their change of name when they apply to withdraw the CPF monies.
If your nominees are foreigners, you should make a new CPF nomination to provide their new names, addresses or passport numbers. This is to allow the Board to identify and contact your nominee(s) easily to withdraw your CPF monies.
If your nominee is an undischarged bankrupt at the time he or she becomes entitled to receive your CPF monies ("nominated monies"), CPF Board will have to inform the Official Assignee ("OA") and transfer the nominated monies to the OA upon their instruction.
If you are nominating someone who is not a Singapore Citizen or Permanent Resident, you can include the nominee's full name, foreign identification number and mailing address in your nomination form so that the Board can contact him swiftly when distributing your CPF savings.
CPF cash nomination provides a lump sum payment while SNSS allow for CPF savings to be distributed to the nominated child on a monthly basis.
Your nominee's share will be released to the donee or deputy appointed to act on his/her behalf under the Mental Capacity Act.
For more information on how to apply for deputyship, you can visit the Deputyship module.
SNSS nomination is intended for parent-child relationship. Non-parent-child relationship SNSS approval is on a case-by-case basis.