新加坡公積金受益人如何提名?有三種方式可辦理

2024-11-07

2024年7月2日,新加坡人力部長陳詩龍醫生在國會書面答覆蔡厝港集選區議員黃文鴻有關公積金提名制度的相關問題。

以下內容為新加坡眼根據國會英文資料翻譯整理:

提名非直系家庭成員為公積金受益人的現場程序

51 黃文鴻(厝港集選區議員)先生詢問人力部部長:

人力部是否會考慮要求在公積金服務中心親自提名非公積金帳戶持有人直系親屬的受益人?

陳詩龍(人力部長)醫生:公積金 (CPF) 提名計劃的目的是讓會員決定將公積金儲蓄留給誰以及留給多少。成員有其獨特的個人情況,應可選擇提名任何人,無論其年齡、國籍或家庭關係如何。

我們目前在公積金提名計劃下制定了保障措施。首先,在進行公積金提名時,成員必須指定兩名證人。證人的作用是證明成員本人有意進行提名。證人不能是成員的任何被提名人,以防止利益衝突。

其次,當成員提名非家庭成員時,公積金局將進行額外檢查,以確認成員提名的意圖。無論是本人親自現場提名、在線提名還是通過提交紙質表格提名,均適用此類檢查。

最後,對於在線提名,成員必須通過 Singpass 登錄。Singpass 要求用戶驗證自己的身份。這確保了提名人就是成員本人。在線提名的見證人也需要使用 Singpass 登錄,以證明成員的提名。

如果遺贈意向發生變化,成員可隨時重新提名。我們為成員提供了多種選擇:親自前往公積金服務中心辦理;通過紙質提名表格提交;或隨時使用 Singpass在線進行提名。這是根據成員的選擇提供靈活性,並鼓勵成員進行提名。

以下是英文質詢內容:

IN-PERSON PROCESS FOR NOMINATION OF NON-FAMILY MEMBER AS CPF BENEFICIARY

51 Mr Don Wee asked the Minister for Manpower whether the Ministry will consider requiring CPF nominations of beneficiaries who are not a direct family member of the CPF account holder be made in person at one of the CPF Service Centres.

Dr Tan See Leng: The purpose of the Central Provident Fund (CPF) nomination scheme is to allow members to decide who they want to leave their CPF savings to and in what proportion. Members have their unique personal circumstances and should have the choice to nominate any person, regardless of age, nationality or family relation.

We have safeguards in place today under the CPF nomination scheme. First, when making their CPF nomination, members are required to appoint two witnesses. The role of witnesses is to attest that the members themselves had the intention to make their nomination. Witnesses cannot be any of the member’s nominees, to prevent a conflict of interest.

Next, when members nominate someone who is not a family member, the CPF Board will conduct additional checks to confirm the member’s intentions to make such a nomination. Such checks apply, whether the nomination is done in person, online or posted in via the hardcopy nomination form.

Finally, for online nominations specifically, members are required to log in via their Singpass. Singpass requires users to authenticate themselves to verify their identity. This ensures that the members themselves are the ones making their nomination. Witnesses for online nominations are also required to log in with their Singpass to attest to a member’s nomination.

Members can make a new nomination at any time if their bequeath intentions change. We provide members the option to make their CPF nominations in-person at the CPF Service Centre, via a hardcopy nomination form or online at any time using their Singpass. This is to provide flexibility based on the member’s choice and to encourage members to make their nominations.

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