How To Claim CPF Monies Of Deceased Next-Of-Kin And How Long For The Money To Be Disbursed To Beneficiaries?

In the event a CPF member passes on, what is the process for the next-of-kin for claiming their deceased loved ones’ CPF monies?

How long will it take to process the payout, and in what form will the payout take? Is it a transfer to the next-of-kin’s CPF account?

DollarsAndSense Answers:

The first step would be to check with the CPF Board whether the deceased has made a CPF Nomination.

If they made a valid CPF nomination: the CPF Board will make the payout according to the instruction and type of nomination.

For Cash nomination (the default type), payment will be made via cheque or GIRO,  while nominee(s) under the Enhanced Nomination Scheme (ENS) will receive the CPF savings due to them in their CPF accounts. There is also a Special Needs Savings Scheme (SNSS) Nomination which provides monthly disbursements.

If they did not make a valid CPF nomination: The CPF Board will send the CPF money to the Public Trustee’s Office. Surviving family members will then need to make an application to claim the money.

The Public Trustee’s Office charges certain fees for handling and disbursing CPF moneies, as 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%


There is a minimum fee of $15, which will be taken from the CPF money and cannot be waived.

According to the Public Trustee’s Office website, they will distribute the money within 4 weeks from the date of receipt of the full set of documentation from  beneficiaries.

Read Also: What Happens To Your CPF Savings When You Pass On?

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