{"id":5834,"date":"2024-06-20T11:30:00","date_gmt":"2024-06-20T03:30:00","guid":{"rendered":"https:\/\/dollarsandsense.sg\/business\/?p=5834"},"modified":"2024-06-20T11:33:06","modified_gmt":"2024-06-20T03:33:06","slug":"employee-payments-businesses-need-to-pay-cpf","status":"publish","type":"post","link":"https:\/\/dollarsandsense.sg\/business\/employee-payments-businesses-need-to-pay-cpf\/","title":{"rendered":"10 Types Of Employee Payments (Apart From Salary) That Businesses Need To Pay CPF For"},"content":{"rendered":"\n<p>Employers in Singapore are typically quite well-versed with the CPF scheme. Besides usually being a CPF member themselves, business owners and those who do payroll also have to make CPF contributions for employees every month as part of their salary.<\/p>\n\n\n\n<p>When making CPF contributions, there may be some lesser-known requirements we are not fully aware of. We detail 10 types of payments to employees (apart from their monthly salary) that businesses also need to contribute CPF on &#8211; and some salary payments that businesses don\u2019t have to contribute CPF on.<\/p>\n\n\n\n<p><strong><em>Read Also:&nbsp;<\/em><\/strong><a href=\"https:\/\/dollarsandsense.sg\/business\/complete-guide-employers-cpf-contributions-in-singapore\/\"><strong><em>Complete Guide To Employer\u2019s CPF Contributions In Singapore<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 id=\"1-commissions-tips\"><strong>#1 Commissions &amp; Tips<\/strong><\/h3>\n\n\n\n<p>Some employees, especially in sales, hospitality or F&amp;B, receive a variable income each month in the form of sales commission and tips.<\/p>\n\n\n\n<p>The CPF Board gives an example of tips as cash collected from customers to augment wages of hotel and restaurant employees.<\/p>\n\n\n\n<p>Similarly, commissions for monthly sales or for exceeding sales targets during the month are also considered Ordinary Wages, and CPF contributions have to be paid on them.&nbsp;<\/p>\n\n\n\n<p>Classifying these payments as Ordinary Wages (OW) is also important, as there are other forms of commissions such as quarterly, yearly or others not payable during the month \u2013 these are considered Additional Wages (AW). This distinction is important as the $6,800 salary limit for CPF contributions in the month will not apply to CPF contributions for AW.<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/are-cash-tips-considered-taxable-income-in-singapore\/\">Are Cash Tips Considered Taxable Income In Singapore?<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"2-allowances\"><strong>#2 Allowances<\/strong><\/h3>\n\n\n\n<p>Living allowances given to employees for things like rent, grooming or laundry expenses are considered staff benefits. CPF contributions are payable on such staff benefits. However, one workaround is that if such payments are made directly to the third-party, CPF contributions are not&nbsp;payable.<\/p>\n\n\n\n<p>Similarly, other types of allowances also require CPF contributions:<\/p>\n\n\n\n<ul><li>Handphone allowance<\/li><li>Transport allowance<\/li><li>Meal allowance<\/li><li>Clothing allowance<\/li><li>Overseas allowance<\/li><li>Good attendance allowance<\/li><\/ul>\n\n\n\n<p>Again, if these are not fixed monthly allowances, and instead are paid on a reimbursement basis or directly to the third-party, CPF contributions are not payable.<\/p>\n\n\n\n<p>Even for payments like education allowance for an employee\u2019s child or fixed vacation\/travel allowance require CPF contributions to be made.<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/allowance-vs-reimbursements-companies\/\">Why Some Companies Choose To Give Allowance, And Others Pay Reimbursements<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"3-festive-allowances\"><strong>#3 Festive Allowances<\/strong><\/h3>\n\n\n\n<p>Another type of allowance most businesses may not realise requires CPF contributions are for festive allowance. This includes cash payments (Hongbaos) during Chinese New Year, Christmas celebrations or other festivities.<\/p>\n\n\n\n<p>Making it slightly complicated, like most CPF contributions, employee CPF contributions also have to be made. This can make the amount complicated to calculate and if it\u2019s done via cashless modes, make the gesture less significant\/meaningful.<\/p>\n\n\n\n<p>Cash prizes given to participants may also require CPF to be payable. It depends on whether the cash prize is for a work-related contest. Cash prizes for contests unrelated to work, for example in a lucky draw or dance contest at the company\u2019s annual Dinner and Dance will not require CPF to be payable.<\/p>\n\n\n\n<p>Cash gifts to employees on occasions such as their marriage or the birth of a child also require CPF to be contributed as they increase the employee\u2019s wage. Gifts in-kind do not require CPF contributions though.\u00a0<\/p>\n\n\n\n<p>Whether employees have to pay taxes on these payments is a separate issue.<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/company-benefits-that-employees-have-to-pay-income-tax-on\/\">10 Types Of Company Benefits That Employees Have To Pay Income Tax On<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"4-bonuses\"><strong>#4 Bonuses<\/strong><\/h3>\n\n\n\n<p>Bonuses are considered Additional Wage (AW) and require CPF to be payable. In the event employees are paid a 13<sup>th<\/sup>&nbsp;month bonus or a lump sum bonus at some point in the year, employers must make CPF contributions up to the CPF Annual Limit of $37,740.<\/p>\n\n\n\n<p>This is an important consideration as employees who are paid more than the monthly limit on CPF contributions of $6,800 a month will still be eligible for CPF payments on their bonuses during the particular month. For example, an employee who earns $6,800 a month will only accumulate $30,192 in CPF contributions during the year. He or she will still be eligible for CPF contributions of up to $7,548 on their bonuses \u2013 or up to $30,000 in bonuses.<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/complete-guide-employers-cpf-contributions-in-singapore\/\">Complete Guide To Employer\u2019s CPF Contributions In Singapore (2024)<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"5-maternity-leave\"><strong>#5 Maternity Leave<\/strong><\/h3>\n\n\n\n<p>Female employees are entitled to up to 16 weeks of Maternity Leave in Singapore if they meet the following requirements:<\/p>\n\n\n\n<ul><li>The child is a Singapore citizen<\/li><li>For employees: you have served your employer for a continuous period of at least 3 months before the birth of your child.<\/li><li>For self-employed:&nbsp;you have been engaged in your work for at least 3 continuous months and have lost income during the maternity leave period.<\/li><\/ul>\n\n\n\n<p>When your employee takes her Maternity Leave, employers will still have to make CPF contributions on their wages.<\/p>\n\n\n\n<p>As an employer, the government will co-pay only a portion of this Maternity Leave. For female employees who are having their 1<sup>st<\/sup>&nbsp;or 2<sup>nd<\/sup>&nbsp;child, the government will fund up to $20,000 (including CPF contributions) per confinement for the last 8 weeks. For female employees having their 3<sup>rd<\/sup>&nbsp;and subsequent children, the government will fork out up to $40,000 (including CPF contributions) per confinement for the full 16 weeks.<\/p>\n\n\n\n<p>If employers provide any subsidies for maternity expenses, these will not require CPF to be payable if the payment is made directly to the service provider.<\/p>\n\n\n\n<p>The same logic applies to <a href=\"https:\/\/dollarsandsense.sg\/business\/government-paid-paternity-leave-singapore-fathers\/\">Paternity Leaves<\/a> to fathers as well.<\/p>\n\n\n\n<p><strong><em>Read Also:&nbsp;<\/em><\/strong><a href=\"https:\/\/dollarsandsense.sg\/business\/singapore-employment-act-statutory-requirements-pay-employees\/\"><strong><em>Singapore Employment Act: 10 Statutory Requirements To Pay Employees<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 id=\"6-national-service-ns-make-up-pay\"><strong>#6 National Service (NS) Make-Up Pay<\/strong><\/h3>\n\n\n\n<p>Under Singapore\u2019s&nbsp;<a href=\"https:\/\/sso.agc.gov.sg\/Act\/EA1970\" target=\"_blank\" rel=\"noreferrer noopener\">Enlistment Act<\/a>, CPF contributions are payable for employees on NS training.&nbsp;<\/p>\n\n\n\n<p>Employers have the bear the full share of the Employer CPF contributions, but can claim the rest of the salary (including variable wages such as commission or overtime pay) from the Ministry of Defence (MINDEF)\/ Singapore Civil Defence Force (SCDF)\/ Singapore Police Force (SPF).<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/how-much-can-employers-claim-when-their-nsmen-employees-go-for-in-camp-training-ict\/\">How Much Can Employers Claim When Their NSmen Employees Go For In-Camp Training (ICT)<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"7-annual-leave-encashment\"><strong>#7 Annual Leave Encashment<\/strong><\/h3>\n\n\n\n<p>Cash payment in lieu of leave also requires CPF to be paid. This is because such a payment increases the wage of the employee.<\/p>\n\n\n\n<p>In the same token, if employers deduct excess leave taken from an employee\u2019s wage, CPF contributions should also be correspondingly reduced.<\/p>\n\n\n\n<p><strong><em>Read Also: <a href=\"https:\/\/dollarsandsense.sg\/business\/allow-employees-encash-annual-leave\/\">Should You Allow Employees To Encash Their Remaining Annual Leave This Year?<\/a><\/em><\/strong><\/p>\n\n\n\n<h3 id=\"8-long-service-awards-incentive-allowance\"><strong>#8 Long Service Awards \/ Incentive Allowance<\/strong><\/h3>\n\n\n\n<p>CPF may be payable for cash awards given to employees as a Long Service Award.&nbsp;<\/p>\n\n\n\n<p>Interestingly, such cash awards are\u00a0<strong>exempt from CPF contributions for every 5-year period if it does not exceed the employee\u2019s current Ordinary Wages (OW)<\/strong>. For example:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Long Service Award<\/strong><\/td><td><strong>Is CPF Payable?<\/strong><\/td><\/tr><tr><td>5<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>10<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>15<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>20<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>25<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>However, if such cash awards a given in periods shorter&nbsp;&nbsp;than 5 years:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Long Service Award<\/strong><\/td><td><strong>Is CPF Payable?<\/strong><\/td><\/tr><tr><td>3<sup>rd<\/sup>&nbsp;year<\/td><td>Yes<\/td><\/tr><tr><td>6<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>9<sup>th<\/sup>&nbsp;year<\/td><td>Yes<\/td><\/tr><tr><td>12<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><tr><td>15<sup>th<\/sup>&nbsp;year<\/td><td>No<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Nevertheless, if such cash awards are given to employees every 5 year period, CPF will be payable if they&nbsp;<strong>exceed the employee\u2019s Ordinary Wage (OW)<\/strong>.<\/p>\n\n\n\n<p>Similarly, cash incentives, such as productivity awards, require CPF to be payable. In-kind incentives such as gifts do not require CPF to be payable.<\/p>\n\n\n\n<h3 id=\"9-holiday-allowance\"><strong>#9&nbsp;<\/strong><strong>Holiday Allowance<\/strong><\/h3>\n\n\n\n<p>CPF is payable for fixed payment to employees for vacation. In addition, from 1 January 2020, reimbursement for holiday expenses incurred by employees or their dependants (spouse and child) require CPF contributions to be payable.<\/p>\n\n\n\n<h3 id=\"10-cash-proceeds-for-share-options\"><strong>#10 Cash Proceeds For Share Options<\/strong><\/h3>\n\n\n\n<p>CPF contributions are payable for cash proceeds for share options given to employees. This means employers who sell their shares and give employees cash proceeds due to their share options are also required to make CPF contributions.<\/p>\n\n\n\n<p>However, if the shares options have been exercised and the shares are held in the employee\u2019s name, then CPF contributions are not required.<\/p>\n\n\n\n<h3 id=\"5-types-payments-that-businesses-dont-have-to-pay-cpf-on\"><strong>5 Types Payments That Businesses\u00a0Don\u2019t Have To Pay CPF On<\/strong><\/h3>\n\n\n\n<p>In the list above, there were certainly some payments even the DollarsAndSense team were surprised to find that CPF contributions were payable. Many employers may not realise this and may not have been making such CPF contributions.<\/p>\n\n\n\n<p>Since there were so many unexpected payments that required CPF contributions, we also included 5 types of payments that do not require CPF contributions. This is for employers that may start second-guessing whether CPF contributions are payable given the list of 10 payments that require CPF to be paid on listed above.&nbsp;<\/p>\n\n\n\n<h3 id=\"1-retrenchment-benefit\"><strong>#1 Retrenchment Benefit&nbsp;<\/strong><\/h3>\n\n\n\n<p>Retrenchment pay, or any other types of payment given in compensation in lieu of notice period, severance pay or compensation for loss of employment do not require CPF to be paid. It is because these payments are seen as unrelated to employment.<\/p>\n\n\n\n<p>However, CPF is payable on redundancy pay or temporary lay-off benefits, given to employees who are not required to work temporarily, but are not terminated because their services would be needed in the future.<\/p>\n\n\n\n<p><strong><em>Read Also:&nbsp;<\/em><\/strong><a href=\"https:\/\/dollarsandsense.sg\/business\/mom-responsible-retrenchments-guideline-for-companies-fair-and-decent\/\"><strong><em>MOM Responsible Retrenchments \u2013 Guideline For Companies To Be Fair And Decent<\/em><\/strong><\/a><\/p>\n\n\n\n<h3 id=\"2-salary-in-lieu-of-notice\"><strong>#2 Salary In-Lieu Of Notice<\/strong><\/h3>\n\n\n\n<p>When an employer terminates an employee and pays them a salary-in-lieu of notice, CPF contributions are not payable.<\/p>\n\n\n\n<p>Similarly, if the leaving employee has to pay the employer a salary-in-lieu of notice, CPF contributions are not payable on the compensation.<\/p>\n\n\n\n<h3 id=\"3-finders-fees\"><strong>#3 Finders Fees<\/strong><\/h3>\n\n\n\n<p>If payment is made to an employee who introduces workers to the company, CPF contributions are not required to be made.<\/p>\n\n\n\n<h3 id=\"4-medical-and-dental-treatments\"><strong>#4 Medical And Dental Treatments<\/strong><\/h3>\n\n\n\n<p>Reimbursements for medical and dental treatments (local and overseas) incurred by employees and their dependants (spouse and children), do not require CPF contributions to be\u00a0payable.<\/p>\n\n\n\n<h3 id=\"5-most-reimbursements\"><strong>#5 Most Reimbursements<\/strong><\/h3>\n\n\n\n<p>Finally, most reimbursements paid to employees do not require CPF contributions to be made. Such expenses are typically made on behalf of the business and usually include:<\/p>\n\n\n\n<ul><li>Entertainment expenses for company\u2019s clients<\/li><li>Course\/exam fees as part of employee\u2019s training programme<\/li><li>Mobile expenses incurred for official purposes on behalf of employer<\/li><li>Laundry expenses for uniforms<\/li><li>Meals for staying beyond working hours<\/li><li>Transport expenses for official duty\/beyond working hours<\/li><\/ul>\n\n\n\n<p>You can refer to this infographic for a quick summary on the payments that employers need to make CPF contributions on, and do not need to make CPF contributions on:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-large\"><img loading=\"lazy\" width=\"679\" height=\"1024\" src=\"https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-679x1024.jpg\" alt=\"\" class=\"wp-image-7139\" srcset=\"https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-679x1024.jpg 679w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-199x300.jpg 199w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-768x1158.jpg 768w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-1019x1536.jpg 1019w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-1359x2048.jpg 1359w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-380x573.jpg 380w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-800x1206.jpg 800w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-1160x1749.jpg 1160w, https:\/\/dollarsandsense.sg\/business\/wp-content\/uploads\/2021\/06\/10-Types-Of-Payments-Employers-Have-To-Pay-CPF-For-scaled.jpg 1698w\" sizes=\"(max-width: 679px) 100vw, 679px\" \/><\/figure><\/div>\n\n\n\n<p>(Top image: Raymond Quek)<\/p>\n\n\n\n<p><em><strong>This article was originally published on 1 November 2021 and updated with new information.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"Several other payment types also require CPF contributions from employers.\n","protected":false},"author":10,"featured_media":5836,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[93],"tags":[660,444,384,130,661,354,127,447,505,663,665,226,162,664,662],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v16.3 - 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