Nomination Details
NOM/4
Information:-
You have not made a CPF nomination. Your CPF savings will be distributed by the Public Trustee’s Office* to your family members according to intestacy/inheritance laws.You should make a CPF nomination if you want to distribute your CPF savings according to your wishes upon your demise.
*Note: The Public Trustee’s Office (PTO) charges a fee for the administration and distribution of your un-nominated CPF savings. Please visit https://www.mlaw.gov.sg/content/pto/en.html for more information.
Information for Next-of-Kin (CPF Monies)
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1. How do I know if my loved one has any CPF money and if they had made a valid nomination?
The money from the Central Provident Fund
(CPF) of a person who has died will be distributed in line with the
nomination they made during their lifetime.
You will need to check with the CPF Board whether the person who has died had made a valid nomination for their CPF money. If they had, the CPF Board will pay the money direct to the person or people they nominated (if those people are older than 18).
If the person who has died did not make a valid nomination, the CPF Board will send their CPF money to us, as required by law.
The CPF Board will also send us the CPF money of a person who has died if the person chosen to receive that money is under 18 years old (unless she is a widow).
You will need to check with the CPF Board whether the person who has died had made a valid nomination for their CPF money. If they had, the CPF Board will pay the money direct to the person or people they nominated (if those people are older than 18).
If the person who has died did not make a valid nomination, the CPF Board will send their CPF money to us, as required by law.
The CPF Board will also send us the CPF money of a person who has died if the person chosen to receive that money is under 18 years old (unless she is a widow).
2. What do I need to do for the CPF money to be distributed to me?
You will need to make an online application at www.mlaw.gov.sg/pto so that we can deal with the money.
You will need to have your Singpass ready in order to access our online application form. You may apply for your Singpass at https://www.singpass.gov.sg if you do not have one.
If you are ineligible to apply for a Singpass, you may apply for a login ID and password through our website: www.mlaw.gov.sg/pto under eServices.
You will need to have your Singpass ready in order to access our online application form. You may apply for your Singpass at https://www.singpass.gov.sg if you do not have one.
If you are ineligible to apply for a Singpass, you may apply for a login ID and password through our website: www.mlaw.gov.sg/pto under eServices.
3. What are the documents that need to be submitted?
Annexes A (for Muslims) and B (for non-Muslims) set out the list of documents we need.
For a reimbursement of funeral expenses, Annex C sets out the list of documents we need.
You may pick up a copy of Annexes A, B and C from our office or view them from our website under Deceased CPF / Estate Monies > Forms.
Common types of documents we need are shown below.
You will be assigned a case officer after you have filed your online application. Please inform your case officer if you do not possess some of the required documents. Your case officer will advise you on what to do after you have submitted your online application.
For a reimbursement of funeral expenses, Annex C sets out the list of documents we need.
You may pick up a copy of Annexes A, B and C from our office or view them from our website under Deceased CPF / Estate Monies > Forms.
Common types of documents we need are shown below.
- Death certificate of the person who has died (the deceased)
- Birth certificate of the deceased
- Marriage certificate of the deceased
- Decree nisi absolute (if the deceased was divorced)
- Birth certificate of beneficiary
- NRIC of beneficiary
- Death certificate of beneficiary (if the beneficiary has died)
- Marriage certificate of the deceased’s parents
- Death certificate of parents (if they have died)
- Certificate of inheritance (for Muslims only)
You will be assigned a case officer after you have filed your online application. Please inform your case officer if you do not possess some of the required documents. Your case officer will advise you on what to do after you have submitted your online application.
4. Whom do I submit the documents to?
You may attach the required documents in your online submission, email or post to us at the following address:
Public Trustee’s Office
The URA Centre (East Wing)
45 Maxwell Road, #07-11
Singapore 069118
Contact Us @ OneMinLaw
Please indicate the case reference number and NRIC of the deceased on your supporting documents. This case reference number is shown after you click the submit button of your online application.
Public Trustee’s Office
The URA Centre (East Wing)
45 Maxwell Road, #07-11
Singapore 069118
Contact Us @ OneMinLaw
Please indicate the case reference number and NRIC of the deceased on your supporting documents. This case reference number is shown after you click the submit button of your online application.
5. What are the fees charged by the Public Trustee for the administration of un-nominated CPF monies?
The fees we charge for dealing with CPF money are shown below:
| Amount of CPF Monies | Charge |
| For the first $1,000 | 2.400% |
| For the next $9,000 | 1.500% |
| For the next $240,000 | 0.750% |
| For the next $250,000 | 0.450% |
| For amounts in excess of $500,000 | 0.300% |
These fees, which we will take from the CPF money, include GST and cannot be waived. You will have to pay a minimum fee of $15.
6. How would the Public Trustee distribute the CPF money of a non-Muslim?
If the person who died was not a Muslim, we
will distribute the CPF money in line with the Intestate Succession Act.
The Act states that the movable property (for example, money in a bank
account) will be distributed according to the law of the country in
which the person was domiciled at the time of his death. (When we refer
to where the person was domiciled, we mean where they intended their
permanent home to be. It does not refer to their nationality or
address.)
If the person who died was domiciled in Singapore at the time of their death, we will distribute the CPF money in line with the rules of distribution in the Intestate Succession Act.
(Note: The place of domicile refers to the place where the Deceased intended his permanent home to be. It does not refer to his nationality or residence.)
If the person who died was domiciled in Singapore at the time of their death, we will distribute the CPF money in line with the rules of distribution in the Intestate Succession Act.
(Note: The place of domicile refers to the place where the Deceased intended his permanent home to be. It does not refer to his nationality or residence.)
7. What are the Rules of Distribution under the Intestate Succession Act (Cap. 146)?
Kindly note that these Rules of Distribution apply only to a non-Muslim Deceased domiciled in Singapore.
| Rules of Distribution (Non-Muslims) | |
| Deceased Die Intestate Leaving |
Distribution |
| Spouse No Issue No Parent |
Whole share to surviving spouse |
| Spouse Issue |
½ share to surviving spouse. ½ share to be shared equally among issue and, where they have already died, their children. Parents are not entitled. |
| Issue No Spouse |
Whole share to be shared equally among issue and, where they have already died, their children. Parents are not entitled. |
| Spouse Parent No Issue |
½ share to surviving spouse. ½ share to be shared equally among surviving parents. |
| Parents No Spouse No Issue |
Whole share to be shared equally among surviving parents. |
| Siblings No Spouse No Issue No Parents |
Whole share to be shared equally among deceased’s siblings and, where they have already died, their children. |
| Grandparents No Spouse No Issue No Parents No Siblings and their children |
Whole share to be shared equally among surviving grandparents. |
| Uncles and Aunts No Spouse No Issue No Parents No Siblings and their children No Grandparents |
Whole share to be shared equally among surviving uncles and aunts. |
* Issue means a child (legitimate or legally adopted) and the descendants of a deceased’s child. Illegitimate children and transferred children are NOT entitled under the Intestacy Rules.
8. How would the Public Trustee distribute the CPF money of a Muslim?
If the person who died was a Muslim, we will
distribute the money in line with Section 112 of the Administration of
Muslim Law Act according to the school of the Muslim law they observed.
The Certificate of Inheritance issued by Syariah Court will list down the beneficiaries and their share of inheritance.
The Certificate of Inheritance issued by Syariah Court will list down the beneficiaries and their share of inheritance.
9. How can I claim a reimbursement of funeral expenses out of the Deceased’s CPF money?
You can indicate the amount of funeral
expenses which you would like to claim from the Deceased’s un-nominated
CPF monies in the online application form.
Please note that the maximum amount of funeral reimbursement claim allowable for a Deceased is $6,000.
Only a beneficiary is eligible to claim a reimbursement of funeral expenses from the Deceased’s un-nominated CPF monies.
You will also have to submit the following supporting documents to us:
1) NRIC/Passport/Social Security Card (for US Nationals)/Election Card (for Indian Nationals) of Claimant and Applicant who submitted the Online Application Form
2) Death Certificate of Deceased
3) If Claimant is:
a. Spouse of Deceased – Marriage Certificate
b. Child of Deceased – Birth Certificate of Child and Marriage Certificate of Parents
c. Parent of Deceased – Birth Certificate of Deceased and Marriage Certificate of Parents
d. Sibling of Deceased – Birth Certificate of Deceased and Birth Certificate of Sibling
4) Original “Declaration Form (CPF monies) for funeral expenses” (Please return completed form by Post. Scanned and Faxed Copies are NOT allowed). You may obtain a softcopy of the “Declaration Form (CPF monies) for funeral expenses” at www.mlaw.gov.sg/pto > Deceased CPF / Estate monies > Forms.
5) Front Page of Bank Passbook or Bank Statement indicating account number (For GIRO payment)
6) Relevant receipts incurred for Funeral Expenses (Not compulsory)
Please indicate the case reference number and NRIC of the deceased on your supporting documents. This case reference number is shown after you click the submit button of your online application.
You may post the original hardcopy of the “Declaration Form (CPF monies) for funeral expenses” to the following address:
Public Trustee’s Office
The URA Centre (East Wing)
45 Maxwell Road, #07-11
Singapore 069118
Please note that the maximum amount of funeral reimbursement claim allowable for a Deceased is $6,000.
Only a beneficiary is eligible to claim a reimbursement of funeral expenses from the Deceased’s un-nominated CPF monies.
You will also have to submit the following supporting documents to us:
1) NRIC/Passport/Social Security Card (for US Nationals)/Election Card (for Indian Nationals) of Claimant and Applicant who submitted the Online Application Form
2) Death Certificate of Deceased
3) If Claimant is:
a. Spouse of Deceased – Marriage Certificate
b. Child of Deceased – Birth Certificate of Child and Marriage Certificate of Parents
c. Parent of Deceased – Birth Certificate of Deceased and Marriage Certificate of Parents
d. Sibling of Deceased – Birth Certificate of Deceased and Birth Certificate of Sibling
4) Original “Declaration Form (CPF monies) for funeral expenses” (Please return completed form by Post. Scanned and Faxed Copies are NOT allowed). You may obtain a softcopy of the “Declaration Form (CPF monies) for funeral expenses” at www.mlaw.gov.sg/pto > Deceased CPF / Estate monies > Forms.
5) Front Page of Bank Passbook or Bank Statement indicating account number (For GIRO payment)
6) Relevant receipts incurred for Funeral Expenses (Not compulsory)
Please indicate the case reference number and NRIC of the deceased on your supporting documents. This case reference number is shown after you click the submit button of your online application.
You may post the original hardcopy of the “Declaration Form (CPF monies) for funeral expenses” to the following address:
Public Trustee’s Office
The URA Centre (East Wing)
45 Maxwell Road, #07-11
Singapore 069118
10. When will the CPF money be paid to me?
As
a general rule, we will distribute the money within 4 weeks from the
date of receipt of the full set of documentation from the beneficiaries.
Nominated CPF Monies
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Online Submission of Application
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