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Sunday, October 25, 2026

askST Jobs: My CPF contributions are missing or late. What should I do? - The Straits Times

ST ILLUSTRATION: MANNY FRANCISCO

In this series, business correspondent Timothy Goh offers practical answers to candid questions on navigating workplace challenges and getting ahead in your career. Get more tips by signing up to The Straits Times’ Headstart newsletter.

What recourse do employees have if their CPF contributions are late or unpaid?

Employees should first verify whether their CPF contributions have been credited by checking their CPF statements through CPF online services, said Amarjit Kaur, head of employment law at Withers KhattarWong.

If contributions are missing or have been paid late, employees should raise the issue directly with their employer and seek clarification on when payment will be made.

“The CPF Board expressly recognises employees’ right to ask their employers about non-payment or late payment of CPF contributions,” said Kaur.

Employees should first try to resolve the issue amicably with their employer.

However, where there are concerns about persistent non-payment or underpayment, employees can lodge a report with the CPF Board.

The board may investigate allegations of late payment, non-payment or underpayment of CPF contributions, Kaur said.

“In terms of recourse, the CPF Board has significant enforcement powers under the Central Provident Fund Act 1953,” she added.

It may require employers to pay all outstanding CPF contributions together with late payment interest and other penalties.

Late payment interest may be charged at 1.5 per cent...



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