16D0 Information for Next-of-Kin (CPF Monies) | IPTO - Insolvency and Public Trustee's Office
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Information for Next-of-Kin (CPF Monies)

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1. When will CPF Board forward a Deceased’s CPF Monies to the Public Trustee?

The CPF Board will forward a Deceased’s CPF monies to th 0B68 e Public Trustee under the following scenarios:

 

- If the Deceased had not made a valid CPF nomination during his lifetime; or

- If the person nominated to receive the CPF monies is under 18 years old (other than a widow)

 

You will need to check with CPF Board if the Deceased had made a valid nomination for his CPF monies. If the Deceased had made a valid CPF nomination, the CPF Board will pay out his CPF monies directly to the nominee(s) if he/she is above 18 years old.

2. What do I need to do to claim the un-nominated CPF monies?

You will need to make an online application at http://www.iptoonline.gov.sg for the Public Trustee to administer the un-nominated CPF monies.

 

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: http://www.iptoonline.gov.sg.

 

3. What are the documents that need to be submitted?

You can refer to information sheet 5 (for Muslims) and information sheet 7 (for non-Muslims) on the list of required documents. You can access them at www.ipto.gov.sg under Public Trustee > Deceased CPF / Estate monies > Forms 

 

Alternatively, the list of required documents can be found when you log on with your Singpass and access our application form at www.iptoonline.gov.sg

 

Common types of documents required are:

 

1) Death Certificate of Deceased
2) Birth Certificate of Deceased
3) Marriage Certificate of Deceased
4) Decree Nisi (if the Deceased was divorced)
5) Birth Certificate of Beneficiary
6) NRIC of Beneficiary
7) Death Certificate of Beneficiary (if deceased)
8) Marriage Certificate of Deceased’s Parents
9) Death Certificate of Parent (if deceased)
10) Certificate of Inheritance (For Muslims only)

 

For Muslims, you may apply for the Certificate of Inheritance at www.syariahcourt.gov.sg .

 

You will be assigned a case officer after you hav 0B68 e 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, fax to us at (65) 6224 2858 or post to us at the following address:


Insolvency and Public Trustee’s Office 

The URA Centre (East Wing)

45 Maxwell Road, #06-11

Singapore 069118


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 un-nominated CPF monies of a non-Muslim?

The Public Trustee will distribute the Deceased’s un-nominated CPF monies in accordance with the Intestate Succession Act (Cap. 146), regardless of whether he had a Will or not. 


S4(1) of th 0B68 e Intestate Succession Act (Cap. 146) states that the distribution of the movable property of a person deceased shall be regulated by the law of the country in which he was domiciled at the time of his death.


If the Deceased was domiciled in Singapore at the time of his death, the Public Trustee will distribute the Deceased’s un-nominated CPF monies in accordance with the rules of distribution stated in the Intestate Succession Act (Cap. 146). You may refer to the table on the next page for the rules of distribution.


(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 siblin 05B4 gs 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.

* Spouse refers to husband or wife.

* 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 un-nominated CPF monies of a Muslim?

The Public Trustee will distribute the Deceased’s un-nominated CPF monies in accordance with the School of the Muslim Law observed by the Deceased. 


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 monies?

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 retur 05B4 n 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.ipto.gov.sg under Public Trustee > 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:  


Insolvency and Public Trustee’s Office 

The URA Centre (East Wing)

45 Maxwell Road, #06-11

Singapore 069118

10. When will the monies be paid to me?

As a general rule, we will distribute the monies within 4 weeks from the date of receipt of the full set of documentation from the beneficiaries.


Last updated on 01 Apr 2014
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